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  • EP157: Farming Roots to Hard Lessons in Real Estate | Hadley Nightingale |

    EP157: Farming Roots to Hard Lessons in Real Estate | Hadley Nightingale |
    2026/08/20
    On this episode of The Millionaire Choice, Tony Bradshaw talks with New Zealand investor Hadley Nightingale about growing up on a farm, learning to work early, getting burned by a risky land deal, and eventually building a real estate business centered on strategy, property management, and recurring income. They also dig into New Zealand property basics, tax and lending differences, and why boring investments often outperform flashy ones. Hadley Nightingale on farming roots, hard lessons in real estate, and building recurring revenueKey topicsHadley’s upbringing on a New Zealand farm He grew up working on the land, picking crops, driving tractors, and learning sheep shearing later on. His parents modeled hard work, with his dad juggling multiple jobs before eventually buying a business in his late forties.How family background shaped his view of money Tony opens by contrasting Wall Street investing with owning real assets like land, businesses, and precious metals. Hadley’s story shows how working-class roots and delayed business ownership shaped a practical, risk-aware mindset.Why he left school early and went into agriculture Hadley says he left school at 16, went to ag college for 12 months, then moved into dairy farming. He describes school as uninteresting unless it connected directly to money or business.The costly land purchase that changed everything In the mid-2000s, he and his parents bought land during a hype cycle and took on significant debt. A verbal crop agreement fell apart, the crop value collapsed, and the deal produced far less than expected.The reality of debt and long recovery cycles Hadley spent roughly nine to ten years working to keep the property afloat, including jobs in Australia. He and Tony discuss variable interest rates, debt service, and how easy it is to underestimate compounding pressure.How driving roads and mining jobs became a bridge, not a destination He went to Australia to earn more per hour and work longer shifts to service debt. That period reinforced the limits of trading time for money, even at higher wages.The mindset shift toward wealth building Hadley says Rich Dad Poor Dad helped reshape his thinking about ownership and financial independence. Personal development books and mentors like Jim Rohn and Zig Ziglar helped him realize he needed to become more valuable, not just busier.Why real estate became the long-term play He explains that he eventually saw real estate as the path where money could work for him. Tony reinforces the idea that real estate has created many millionaires because it offers multiple ways to win.His business model now centers on property strategy and management Hadley’s company started as a buyer’s agency, then added property management and project management. He admits he expanded too broadly too early and learned that one profitable engine is better than three weak ones.How he thinks about property portfolios He now helps clients build 12-month game plans instead of just buying random property. His philosophy is to treat property like a sports team, knowing when to hold, optimize, and sell.New Zealand property characteristics and cash flow math He explains that much of the market is standalone housing rather than dense apartment blocks. He shares that sub-70-square-meter homes can be built as additional dwellings and rented for weekly income, depending on location and zoning.His advice for business and investing One path until successful is the lesson he says he missed early on. He recommends building recurring revenue first and choosing boring, reliable property over sexy, speculative deals.Timestamps00:00 - Introduction to Hadley Nightingale and Tony’s view on real wealth 01:19 - Hadley’s upbringing on a New Zealand farm 02:24 - Leaving school, rejecting the expected path, and learning sheep shearing 03:42 - How New Zealand’s population is concentrated in Auckland and the North Island 06:45 - Parents in stable jobs, then the shift to self-employment and business ownership 07:57 - The agricultural business his parents bought and how it grew 10:56 - Why Hadley left home at 18 and moved into ag college 11:33 - School never felt relevant to him unless it connected to business 12:31 - Dairy farming, then the decision to buy land with family 13:28 - Bad advice, bad timing, and why the property deal went wrong 14:24 - Moving to Australia to earn more and service debt 15:52 - Tax differences between New Zealand and Australia 17:28 - Early desire to work for himself and the first mindset shift 18:20 - Discovering Rich Dad Poor Dad and personal development 19:49 - Herbalife, weight gain from long-haul work, and lessons from MLM 20:46 - Realizing he needed different people, better books, and better direction 22:06 - The first land deal breakdown and the crop that underperformed 23:36 - Nine years of effort to keep the investment alive 24:50 - Interest rates, variable lending, and how debt pressure compounds...
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    43 分
  • EP156: Building Wealth in Real Estate | Adam Olson

    EP156: Building Wealth in Real Estate | Adam Olson
    2026/08/04
    In this episode of The Millionaire Choice, Adam Olsen shares his inspiring journey from a challenging childhood to managing billions in real estate sales. He discusses practical strategies for aspiring real estate agents, along with insights on building a profitable portfolio and the importance of work ethic and energy.TAKEAWAYSAdam Olsen’s background, including growing up as a child of a single mother after losing his father in a car accidentThe early days of entering real estate at age 17 and the challenges of building a business from scratchHow perseverance and work ethic drove Adam to manage over $1.5 billion in real estate transactionsPractical advice for new real estate agents, including the importance of joining a team and understanding the dataStrategies for building a real estate portfolio, including residential and commercial investmentsInsight into market opportunities, including off-market deals and value-add investments in older citiesMistakes made and lessons learned, such as selling rental properties prematurelyThe significance of energy, attitude, and consistent effort in achieving successRecommended resources for motivation and growth, including speeches by Les Brown and Tony RobbinsTIMESTAMPS00:00 - Introduction to Adam Olson and his real estate achievements00:24 - Adam’s childhood and family background01:14 - Growing up in Huntsville, Texas, and early entrepreneurial influences02:19 - Building a real estate career while managing family responsibilities03:16 - The discipline behind managing billions in sales and hours invested04:01 - Overcoming hardships and financial struggles after losing a parent04:51 - The importance of understanding business and building wealth over time06:29 - The impact of work ethic and hours committed in real estate07:04 - Misconceptions about wealth and success in real estate07:26 - Initial steps into real estate and starting from scratch08:24 - The importance of saving and investing back into your business09:48 - Growing a real estate portfolio with residential and rental properties10:15 - Tips for new agents: licensing, reserves, and joining the right team12:06 - The evolving nature of real estate and continuous learning13:00 - Choosing a brokerage with strong data and transaction volume15:15 - The high attrition rate among new agents and how to avoid it16:41 - Focus on data, follow-up, and building a pipeline17:46 - Using real estate income to build a diversified portfolio18:11 - Current investment areas, including multifamily and commercial land19:56 - Commercial real estate insights and market trends in Texas20:55 - Value-add opportunities in older cities and off-market deals22:30 - Lessons from property appreciation and market timing23:37 - The importance of long-term wealth-building through real estate25:36 - The significance of hard work, energy, and perseverance27:18 - Inspirational resources: Les Brown and Tony Robbins29:20 - Closing advice and contact information for Adam OlsonReady to learn the secrets behind building sustainable wealth through real estate? Tune in for actionable insights from Adam Olson’s inspiring journey and expertise.CONNECT WITH ADAM OLSEN AT https://adamolsenteam.com/Is money slipping through your fingers? Are you missing your opportunity to become a millionaire? Welcome to The Millionaire Choice. Where we talk to millionaires and future millionaires about how to build wealth and what to do with it once you have it. Here’s your host Tony Bradshaw. He made his choice and created his millionaire plan at age 25. Now it’s your turn. Visit tonybradshaw.com and GET MONEY SMART. You're making a hundred thousand dollars or more. But if you're honest, your money isn't doing what it should be. You're spending more than you'd like, investing less than you know you should, and somewhere between the income and the life you imagined—something got lost. Tony Bradshaw is a first-generation millionaire and money mentor who helps high earners turn income into real wealth. This is Higher Peak Coaching.Visit TonyBradshaw.com to book you If you enjoy the show, please review and subscribe! And remember, if you want to be good with money, you need to study money. You need to GET MONEY SMART, and give your money a purpose. Enjoy life. Help others. Serve God.Review, Subscribe & Share The Millionaire Choice Podcast – Help the World Get Money Smart!📈 Transform Your Life, Money & Business with HIGHER PEAK COACHING:tonybradshaw.com💰 Discover the Get Money Smart Community Get Money Smart
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    31 分
  • EP155: 7 Strategies to Boost Your Cash Flow | Chris Miles | Money Ripples Podcast

    EP155: 7 Strategies to Boost Your Cash Flow | Chris Miles | Money Ripples Podcast
    2026/07/23

    In this episode, Tony Bradshaw interviews Chris Miles about cash flow, passive income, and alternative investment strategies. They explore how to build sustainable income streams, critique traditional retirement models, and discuss innovative ways to generate wealth outside Wall Street.

    TAKEAWAYS
    Cash flow vs. cash savings
    Importance of passive income streams
    Alternative investment strategies including real estate, lending, and land
    Critique of traditional retirement models and mutual funds
    The impact of economic cycles and market risks
    "Cash flow is king, not cash."
    "Target date funds underperform the S&P 500."
    "The stock market is a big Ponzi scheme."

    TIMESTAMPS
    00:00 Introduction to Cash Flow and Passive Income
    02:03 The Importance of Cash Flow Planning
    06:11 Understanding Retirement Income Needs
    09:58 The 401k Trap and Investment Realities
    13:58 Exploring Passive Income Strategies
    17:48 Innovative Investment Opportunities
    25:26 Exploring Forex and Stock Trading Returns
    28:09 The Risks of High Returns in Trading
    29:52 The SEC and Market Regulations
    32:41 Market Cycles and Speculation Risks
    34:04 The Current Economic Landscape
    37:40 Preparing for Economic Downturns
    40:57 The Role of Oil in the Economy
    43:30 The Shift from Ownership to Renting

    CONNECT WITH CHRIS MILES AT moneyripples.com



    Is money slipping through your fingers? Are you missing your opportunity to become a millionaire? Welcome to The Millionaire Choice. Where we talk to millionaires and future millionaires about how to build wealth and what to do with it once you have it.

    Here’s your host Tony Bradshaw. He made his choice and created his millionaire plan at age 25. Now it’s your turn. Visit tonybradshaw.com and GET MONEY SMART.

    You're making a hundred thousand dollars or more. But if you're honest, your money isn't doing what it should be. You're spending more than you'd like, investing less than you know you should, and somewhere between the income and the life you imagined—something got lost.

    Tony Bradshaw is a first-generation millionaire and money mentor who helps high earners turn income into real wealth. This is Higher Peak Coaching.
    Visit TonyBradshaw.com to book you

    If you enjoy the show, please review and subscribe!

    And remember, if you want to be good with money, you need to study money. You need to GET MONEY SMART, and give your money a purpose. Enjoy life. Help others. Serve God.

    Review, Subscribe & Share The Millionaire Choice Podcast – Help the World Get Money Smart!

    📈 Transform Your Life, Money & Business with HIGHER PEAK COACHING:
    tonybradshaw.com

    💰 Discover the Get Money Smart Community
    Get Money Smart
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    47 分
  • EP154: Building Wealth Through Jewelry and Collectibles | Troy Perkins | Gemologist and Platinum 1911

    EP154: Building Wealth Through Jewelry and Collectibles | Troy Perkins | Gemologist and Platinum 1911
    2026/07/08
    On this episode of The Millionaire Choice Podcast, Tony talks with Troy Perkins, a gemologist, entrepreneur, and founder of Platinum1911.com and Fast Fix Arizona, about the realities of building wealth, creating value, and making smarter decisions with money. Troy shares how he went from a comfortable upbringing and years of spending without much financial discipline to a major wake-up call in his 30s, when the 2008–2009 downturn forced him to rethink what real wealth building meant.What makes this conversation especially powerful is Troy’s practical, no-fluff approach to entrepreneurship and money. He breaks down five simple but important business principles—research your craft, find demand, make sure the numbers work, work hard and smart, and schedule your priorities—while also sharing how he applies those lessons in his own life, business, and family. His perspective on assets, time management, and raising financially aware kids offers a grounded reminder that wealth is built through discipline, intention, and consistent action.SHOW OVERVIEWTroy's journey from Scottsdale to jewelry entrepreneurshipLessons learned from financial awakening at age 30The importance of investing in assets vs. liabilitiesPractical tips on prioritizing and scheduling for successFrameworks for starting a business and identifying demandThe value of continuous learning through podcasts and YouTubeInsights into high-end jewelry and watch investmentsTAKEAWAYSTroy's early experiences in Scottsdale, NYC, and Newport Beach shaped his understanding of wealthThe impact of the 2008-2009 financial crisis on his perspectiveBuilding wealth through asset acquisition, such as jewelry and goldTeaching kids the importance of investing and frugalityThe five-step entrepreneurial process: research, demand, profitability, working smart, and scheduling prioritiesThe critical difference between pursuing passions that are viable vs. unprofitableStrategies for maximizing daily productivity and learning efficiently during cracks in the dayThe significance of scheduling priorities over just prioritizing tasksHow to navigate the luxury jewelry and watch markets for investment and enjoymentTroy's faith-driven approach to business and giving backTIMESTAMPS00:00 - Introduction to Troy Perkins, gemologist and entrepreneur 02:00 - Troy’s background and how he entered the jewelry business 04:00 - Lessons from financial challenges at age 30 06:00 - Building wealth through asset investments like jewelry and gold 08:00 - Teaching kids about investing and frugality 10:00 - The five-step framework for starting a business 14:00 - Demand research and profitability assessment 16:00 - The importance of working smart and scheduling priorities 19:00 - Strategies for maximizing productivity and time management 22:00 - Learning opportunities through YouTube and podcasts 24:00 - Most expensive jewelry transactions and market insights 26:00 - High-end watches as investment assets 29:00 - Faith, generosity, and business success principles 32:00 - Practical tips for career growth and leadership 33:00 - How to connect with Troy and learn moreCONNECT WITH TROY PERKINS AT platinum1911.com or LinkedINIs money slipping through your fingers? Are you missing your opportunity to become a millionaire? Welcome to The Millionaire Choice. Where we talk to millionaires and future millionaires about how to build wealth and what to do with it once you have it. Here’s your host Tony Bradshaw. He made his choice and created his millionaire plan at age 25. Now it’s your turn. Visit tonybradshaw.com and GET MONEY SMART. You're making a hundred thousand dollars or more. But if you're honest, your money isn't doing what it should be. You're spending more than you'd like, investing less than you know you should, and somewhere between the income and the life you imagined—something got lost. Tony Bradshaw is a first-generation millionaire and money mentor who helps high earners turn income into real wealth. This is Higher Peak Coaching.Visit TonyBradshaw.com to book you If you enjoy the show, please review and subscribe! And remember, if you want to be good with money, you need to study money. You need to GET MONEY SMART, and give your money a purpose. Enjoy life. Help others. Serve God.Review, Subscribe & Share The Millionaire Choice Podcast – Help the World Get Money Smart!📈 Transform Your Life, Money & Business with HIGHER PEAK COACHING:tonybradshaw.com💰 Discover the Get Money Smart Community Get Money Smart
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    35 分
  • EP153: Insights on the Art of Creating and Preserving Wealth | Mario Sicari | BGS Capital Management

    EP153: Insights on the Art of Creating and Preserving Wealth | Mario Sicari | BGS Capital Management
    2026/06/29

    Join us as Tony talks with Mario Sicari, a seasoned wealth manager with over 30 years of experience, shares practical advice on creating and preserving wealth, understanding the financial system, and empowering the next generation financially. In this episode, Mario connects macroeconomic shifts to everyday money decisions, explaining how global events, market cycles, and changing political landscapes can influence long-term financial stability. He also shares how his own background shaped his approach to wealth, investing, and client coaching.

    A major theme of the conversation is mindset: moving from scarcity to abundance, building confidence around money, and making intentional decisions instead of reacting emotionally to the market. Mario emphasizes the importance of financial literacy at every stage of life, from helping children understand earning and investing to preparing adults for retirement through strategies like Roth conversions, RMD planning, and maximizing employer matches.

    He also highlights the coming generational wealth transfer and why families need to equip heirs with the knowledge to manage money responsibly.The episode closes with practical guidance on teaching kids about real-world money lessons, using tools like 529 college savings plans, and paying yourself first as a core financial habit. Mario’s message is simple but powerful: wealth is not just about accumulation, but about preservation, education, and passing on a stronger financial foundation to the next generation.

    TAKEAWAYS

    Wealth creation and preservation strategies
    Impact of global economic shifts on personal finance
    Teaching children about money and investing
    Max out retirement accounts including 401k and IRAs
    Teach children the value of money and commerce
    Utilize 529 plans and Roth conversions for tax-efficient wealth transfer


    TIMESTAMPS

    00:00 Introduction to Mario Sicari and his background
    01:25 Current global financial climate and political influences
    03:59 The history of missing money and financial fraud
    08:01 Mario Sicari's upbringing and journey into wealth management
    12:55 Approach to client communication and financial coaching
    13:25 The investor ladder and mindset shifts in investing
    15:57 Media influence and mindset in financial decision-making
    17:53 The upcoming wealth transfer and its challenges
    20:33 Teaching children about money and instilling financial discipline
    24:31 The importance of understanding commerce and currency for kids
    30:38 Innovative strategies like 529 plans and Roth conversions
    35:59 Final advice for professionals on building and protecting wealth
    40:44 Mario Sicari's recommended book: The Art of Creating Wealth

    CONNECT WITH MARIO SICARI AT mariosicari.com OR bgscapitalmanage.com/team/mario-sicari

    Is money slipping through your fingers? Are you missing your opportunity to become a millionaire? Welcome to The Millionaire Choice. Where we talk to millionaires and future millionaires about how to build wealth and what to do with it once you have it.

    Here’s your host Tony Bradshaw. He made his choice and created his millionaire plan at age 25. Now it’s your turn. Visit tonybradshaw.com and GET MONEY SMART.

    You're making a hundred thousand dollars or more. But if you're honest, your money isn't doing what it should be. You're spending more than you'd like, investing less than you know you should, and somewhere between the income and the life you imagined—something got lost.

    Tony Bradshaw is a first-generation millionaire and money mentor who helps high earners turn income into real wealth. This is Higher Peak Coaching.
    Visit TonyBradshaw.com to book you

    If you enjoy the show, please review and subscribe!

    And remember, if you want to be good with money, you need to study money. You need to GET MONEY SMART, and give your money a purpose. Enjoy life. Help others. Serve God.

    Review, Subscribe & Share The Millionaire Choice Podcast – Help the World Get Money Smart!

    📈 Transform Your Life, Money & Business with HIGHER PEAK COACHING:
    tonybradshaw.com

    💰 Discover the Get Money Smart Community
    Get Money Smart
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    43 分
  • EP152: How to Build Wealth with Commercial Real Estate in 10 Years | JENS NIELSEN | OPEN DOORS CAPITAL

    EP152: How to Build Wealth with Commercial Real Estate in 10 Years | JENS NIELSEN | OPEN DOORS CAPITAL
    2026/06/19

    In this episode, Jens Nielsen shares his inspiring journey from growing up in Denmark with a scarcity mindset to becoming a successful real estate investor and business coach in the US. Discover practical strategies for real estate investing, building wealth, and creating sustainable business systems.

    TAKEAWAYS

    • Journey from scarcity to abundance mindset
    • Starting in real estate with small properties
    • Creative financing and raising private equity
    • Pivoting into industrial and warehousing real estate
    • Building a business around real estate investing

    Connect with Jens Nielsen at jensnielsen.us and opendoorscapital.com

    Is money slipping through your fingers? Are you missing your opportunity to become a millionaire? Welcome to The Millionaire Choice. Where we talk to millionaires and future millionaires about how to build wealth and what to do with it once you have it.

    Here’s your host Tony Bradshaw. He made his choice and created his millionaire plan at age 25. Now it’s your turn. Visit tonybradshaw.com and GET MONEY SMART.

    You're making a hundred thousand dollars or more. But if you're honest, your money isn't doing what it should be. You're spending more than you'd like, investing less than you know you should, and somewhere between the income and the life you imagined—something got lost.

    Tony Bradshaw is a first-generation millionaire and money mentor who helps high earners turn income into real wealth. This is Higher Peak Coaching.
    Visit TonyBradshaw.com to book you

    If you enjoy the show, please review and subscribe!

    And remember, if you want to be good with money, you need to study money. You need to GET MONEY SMART, and give your money a purpose. Enjoy life. Help others. Serve God.

    Review, Subscribe & Share The Millionaire Choice Podcast – Help the World Get Money Smart!

    📈 Transform Your Life, Money & Business with HIGHER PEAK COACHING:
    tonybradshaw.com

    💰 Discover the Get Money Smart Community
    Get Money Smart
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    39 分
  • EP151: Building Wealth Through Multi-Family Investing | Ken Gee | KRI Partners

    EP151: Building Wealth Through Multi-Family Investing | Ken Gee | KRI Partners
    2026/06/08

    On this episode of The Millionaire Choice Podcast, Tony talks with Ken Gee of KRI Partners on building wealth through multi-family investing.

    Most successful real estate investors didn’t start with a million-dollar portfolio—they built it step by step, often from humble beginnings. Ken Gee’s journey from growing up in Toledo with limited resources to creating a multimillion-dollar multifamily empire is a masterclass in mindset, resilience, and strategic growth.

    In this episode, Ken shares his behind-the-scenes story of how he went from struggling with scarcity to embracing abundance—transforming his financial future and shifting his entire perspective on wealth.You’ll discover how Ken bought his first 28-unit apartment complex with a tiny down payment, learning powerful value-add strategies that skyrocketed his cash flow. We break down the critical mindset shifts that turned his life around, including his insights on leveraging debt, private equity models, and the importance of serving others in wealth creation. Ken reveals the secrets behind raising millions from passive investors, structuring deals that generate exponential returns, and why he believes real estate is one of the only assets that checks all three wealth pillars—land, gold, and cash-flowing businesses.

    If you’re tired of playing small and ready to learn the exact steps to turn a small investment into a powerhouse of passive income, Ken’s experience offers invaluable lessons and practical tactics. You’ll come away inspired to expand your financial horizon and armed with actionable strategies, whether you're an aspiring investor or a seasoned pro looking for that next breakthrough.

    Ken Gee is the founder of KRI Partners, a private equity real estate firm focused on multifamily properties. With nearly three decades of experience, Ken has built a thriving empire by stacking small wins, mastering value adds, and redefining what’s possible with real estate investing. His story proves that with the right mindset, education, and determination, anyone can go from humble beginnings to financial freedom.Are you ready to stop letting fear hold you back and start building wealth that lasts? Tune in now and learn how to shift from scarcity to abundance—one deal at a time.

    CONNECT WITH KEN GEE AND KRI PARTNERS AT kripartners.com

    Is money slipping through your fingers? Are you missing your opportunity to become a millionaire? Welcome to The Millionaire Choice. Where we talk to millionaires and future millionaires about how to build wealth and what to do with it once you have it.

    Here’s your host Tony Bradshaw. He made his choice and created his millionaire plan at age 25. Now it’s your turn. Visit tonybradshaw.com and GET MONEY SMART.

    You're making a hundred thousand dollars or more. But if you're honest, your money isn't doing what it should be. You're spending more than you'd like, investing less than you know you should, and somewhere between the income and the life you imagined—something got lost.

    Tony Bradshaw is a first-generation millionaire and money mentor who helps high earners turn income into real wealth. This is Higher Peak Coaching.
    Visit TonyBradshaw.com to book you

    If you enjoy the show, please review and subscribe!

    And remember, if you want to be good with money, you need to study money. You need to GET MONEY SMART, and give your money a purpose. Enjoy life. Help others. Serve God.

    Review, Subscribe & Share The Millionaire Choice Podcast – Help the World Get Money Smart!

    📈 Transform Your Life, Money & Business with HIGHER PEAK COACHING:
    tonybradshaw.com

    💰 Discover the Get Money Smart Community
    Get Money Smart
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    46 分
  • EP150: Navigating Bankruptcy and Building Wealth | Chad Van Horn | Van Horn Law Group

    EP150: Navigating Bankruptcy and Building Wealth | Chad Van Horn | Van Horn Law Group
    2026/05/30

    In this episode of The Millionaire Choice, Tony talks with Chad Van Horn about Navigating Bankruptcy and Building Wealth.


    Discover how understanding bankruptcy laws, personal finance lessons, and entrepreneurial resilience can help you navigate financial setbacks and rebuild stronger. Chad Van Horn shares insights from his journey as a bankruptcy attorney and offers practical advice for maintaining wealth and overcoming financial hardships.

    Key Takeaways

    • The state of bankruptcy filings and economic indicators
    • Differences between Chapter 7 and Chapter 13 bankruptcy
    • The impact of student loans and education debt on American finances
    • How job loss and economic shifts influence personal debt
    • Success stories of overcoming financial failure and rebuilding wealth
    • Practical steps to get money smart and plan for a prosperous future

    00:00 - Introduction to the show and guest Chad Van Horn

    00:24 - Bankruptcy filing statistics and insights into current trends

    01:07 - Chad's entrepreneurial background and childhood influences

    02:09 - The impact of childhood work ethic and financial responsibility

    03:41 - Lessons learned from family financial struggles and frugal upbringing

    04:36 - Spending habits, overcompensation, and family financial dynamics

    05:36 - Developing a frugal but ambitious mindset

    06:10 - How early work experience influences adult resilience

    07:00 - Chad's upbringing in Pittsburgh and move to South Florida

    08:03 - Culture shock, lifestyle changes, and career path in law and finance

    09:28 - The growing number of bankruptcy filings and economic warning signs

    10:19 - The effect of layoffs, tech company challenges, and recession indicators

    11:15 - Overview of Chapter 7 and Chapter 13 bankruptcy types

    11:52 - Deep dive into Chapter 7, liquidation, and debt discharge

    12:19 - How Chapter 13 helps with mortgage and car debt struggles

    12:47 - The student loan crisis and potential solutions

    13:16 - The unrealistic costs of higher education and inflated university budgets

    14:31 - Government programs for student loan forgiveness and debt relief

    15:16 - The disparity between university salaries and tuition costs

    16:23 - The rising cost of housing and inflation in real estate markets

    CONNECT WITH CHAD VAN HORN AT vanhornlawgroup.com

    Is money slipping through your fingers? Are you missing your opportunity to become a millionaire? Welcome to The Millionaire Choice. Where we talk to millionaires and future millionaires about how to build wealth and what to do with it once you have it.

    Here’s your host Tony Bradshaw. He made his choice and created his millionaire plan at age 25. Now it’s your turn. Visit tonybradshaw.com and GET MONEY SMART.

    You're making a hundred thousand dollars or more. But if you're honest, your money isn't doing what it should be. You're spending more than you'd like, investing less than you know you should, and somewhere between the income and the life you imagined—something got lost.

    Tony Bradshaw is a first-generation millionaire and money mentor who helps high earners turn income into real wealth. This is Higher Peak Coaching.
    Visit TonyBradshaw.com to book you

    If you enjoy the show, please review and subscribe!

    And remember, if you want to be good with money, you need to study money. You need to GET MONEY SMART, and give your money a purpose. Enjoy life. Help others. Serve God.

    Review, Subscribe & Share The Millionaire Choice Podcast – Help the World Get Money Smart!

    📈 Transform Your Life, Money & Business with HIGHER PEAK COACHING:
    tonybradshaw.com

    💰 Discover the Get Money Smart Community
    Get Money Smart
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    35 分