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Video8 minWhy You Still Feel Broke After Getting a Raise
This video explores the phenomenon of lifestyle inflation and why a salary increase often fails to improve one's financial standing. It provides practical strategies for managing extra income, emphasizing that true wealth is built by maintaining the gap between income and spending.
Video12 minThe Power of Starting Over at Any Age
This video explores the personal journey of starting over after closing a long-term business to pursue a new career path. It offers insights into overcoming uncertainty and redefining personal and professional success at any stage of life.
Video12 minThe Power of Starting Over at Any Age | S3 E41
In this episode, Benjamin Adams discusses his personal journey of closing a business to pursue a new career path in real estate. The episode explores the emotional and practical realities of navigating career changes and overcoming uncertainty to redefine personal success.
Video8 minCancel Subscriptions Now: The Silent Wealth Killer
This video examines how the proliferation of subscription-based models impacts personal wealth and long-term financial health. It provides actionable advice on auditing recurring expenses to ensure money is being spent intentionally rather than drained by automated convenience.
Video14 minRun Toward the Storm: Why Facing Problems Head - On Is Often the Fastest Way Through
This episode explores the psychological concept of facing difficult problems head-on instead of avoiding them. It explains how confronting financial, career, or personal challenges builds resilience and creates momentum, rather than just seeking temporary relief.
Video14 minRun Toward the Storm: Why Facing Problems Head-On Is Often the Fastest Way Through
This episode explores the psychological impact of avoiding difficult problems in life and finance. It provides a framework for facing challenges head-on to build confidence and momentum rather than allowing avoidance to increase stress.
Video8 minThe Hidden Cost of Buying a New Car
This video examines how focusing on monthly payments rather than the total cost of ownership can hinder long-term wealth building. It highlights how vehicle depreciation and unnecessary debt traps prevent individuals from achieving financial independence.
Video43 minEpisode 38: Talent Gets You There. Character Keeps You There.
This episode explores how maintaining strong character is essential to sustaining long-term success in business and life. The hosts discuss why success can be a test of integrity and how to remain disciplined even after achieving your goals.
Video43 minTalent Gets You There. Character Keeps You There.
This podcast episode explores the essential role of character and discipline in achieving and sustaining long-term success. It emphasizes that while talent may open initial doors, success requires personal growth and a focus on mastering fundamentals.
Video8 minThe $100,000 Lie: Why Your Salary Doesn't Mean What You Think
This video challenges the common perception that a $100,000 salary guarantees financial freedom. It explores how factors like lifestyle inflation, high cost of living, and personal spending habits can erode the value of a high income.
Video18 minThe Subscription Trap: How $20 at a Time Is Keeping You Broke
This video explores the 'subscription trap' where small, recurring monthly charges quietly erode personal finances. The hosts provide practical strategies for auditing recurring expenses and shift the perspective from monthly costs to long-term annual impact.
Video18 minThe Subscription Trap: How $20 at a Time Is Keeping You Broke
This episode explores the 'subscription trap' and how small, recurring monthly charges can accumulate into significant annual losses. Adam and Ben discuss the psychological impact of subscription models and provide strategies to help listeners audit their expenses and take control of their cash flow.
Video8 minWhy High Earners Feel Broke All the Time
This video explores the reasons why even high earners struggle to manage their finances amidst the current economic landscape. It analyzes how lifestyle habits, debt, and the misclassification of wants as necessities contribute to the feeling of being broke.
Video28 minThe Raise Trap: Why Making More Money Doesn’t Make You Wealthy
This episode explores the phenomenon of lifestyle inflation, where individuals increase their spending in line with their rising income. The hosts provide strategies to help listeners avoid the 'raise trap' and ensure that income growth leads to true wealth building rather than just higher monthly expenses.
Video28 minEpisode 36: The Raise Trap: Why Making More Money Doesn’t Make You Wealthy
This video explores the phenomenon of lifestyle inflation and why earning more money does not automatically translate to increased wealth. The hosts provide strategies to help viewers manage their spending habits so that future income growth translates into long-term financial security.
Video21 minYour Car Is Keeping You Broke: The $1,000 Payment Nobody Questions | S3E35
This video examines how high monthly car payments can hinder long-term wealth accumulation by ignoring factors like depreciation and lost investment growth. It encourages viewers to consider the real cost of vehicle ownership and provides strategies for repurposing car payments into investments.
Video21 minYour Car Is Keeping You Broke: The $1,000 Payment Nobody Questions
This video examines how normalized high car payments negatively impact long-term wealth building and financial freedom. It encourages viewers to look beyond monthly payments to understand the true cost of vehicle ownership and the opportunity cost of car debt.
Video25 minThe 61-Year-Old Farmer Who Beat the World’s Best Runners
This video examines the story of Cliff Young, an older ultramarathon runner who won a race by consistently shuffling rather than sprinting. The hosts use his experience to discuss the importance of persistence, challenging perceived limitations, and ignoring comparisons when pursuing long-term success.
Video25 minThe 61-Year-Old Farmer Who Beat the World’s Best Runners | S3E34
This episode uses the legendary story of Cliff Young, an ultramarathon runner, to discuss the importance of consistency and persistence in achieving long-term goals. The hosts connect his unconventional 'shuffling' technique to broader lessons in business, real estate, and building personal success.
Video12 minStop Negotiating With Yourself: The Discipline to Do What You Already Decided
This episode explores the psychological traps that cause us to renegotiate our own decisions, undermining our personal discipline and progress. It provides actionable advice on how to stop making excuses and build confidence by keeping promises to yourself.
Video12 minStop Negotiating With Yourself | S3E33
This video explores the psychological traps of motivation and why we often talk ourselves out of important goals. It introduces the concept of non-negotiables as a tool to eliminate decision fatigue and improve personal discipline.
Video9 minThe Truth About Car Payments They Won't Tell You
This video explores the hidden costs of vehicle ownership beyond the initial purchase price, emphasizing the importance of total cost assessment. It provides strategies to help consumers budget effectively and prepare for unexpected financial emergencies associated with car maintenance and financing.
Video18 minShips Don’t Sink From the Water Around Them
This episode explores the importance of internal mindset over external circumstances in achieving personal and financial goals. The hosts discuss how to overcome negative self-talk and build authentic self-confidence through small, consistent actions.
Video18 minShips Don’t Sink From the Water Around Them
This video explores how to protect your mental well-being and confidence from external pressures like criticism and failure. The hosts discuss strategies to overcome negative self-talk and share a 7-day challenge to build personal confidence.
Video9 minWhy Adult Kids Can't Afford Life Anymore
This video examines the rising trend of young adults relying on parental financial support due to economic pressures like high living costs and stagnant wages. It provides guidance for families on how to navigate this dynamic, ensuring parents support their adult children without compromising their own retirement security.
Video9 minWhy a Will Won't Save Your Home From Probate
This video explains why a will may not be sufficient to protect your home from the probate process and introduces the Transfer on Death (TOD) deed as an alternative. It explores the benefits of TOD deeds for maintaining control over property, maximizing tax advantages, and avoiding common estate planning pitfalls.
Video22 minHow Countries Go Broke: Ray Dalio's US Warning
This video examines the risks of massive national debt and government deficit spending, drawing on insights from Ray Dalio. It explains how these economic factors impact inflation, the value of the US dollar, and the overall financial stability of the middle class.
Video10 minThe Retirement "Deadlines" You CANNOT Ignore (Timeline Explained)
This video outlines the critical age-based financial milestones that impact retirement, including Social Security, Medicare, and tax-related regulations. Understanding these timelines helps viewers maximize their benefits while avoiding costly penalties and tax surprises during their retirement years.
Video9 minThe Social Security Formula EXPOSED: It’s Not What You Think
This video breaks down the complex mathematical formula behind Social Security retirement benefits, including how your highest 35 years of earnings are used to calculate your check. It explains the progressive nature of the system, specifically how bend points determine replacement rates for different income brackets.
Video14 min7 Places Money Goes Missing After a Loved One Passes Away
This video guides viewers through the essential steps to identify and claim assets that often go unclaimed after a loved one passes away. Benjamin Adams outlines seven key places to search, including insurance databases, government agencies, and employer pension plans.
Video7 minBuy Now Pay Later Secrets: How BNPL Destroys Credit
This video explores the hidden dangers of Buy Now Pay Later services and their negative impact on personal credit profiles. It highlights how these apps often fail to report positive payment history while damaging credit scores through missed payments and increased debt-to-income ratios.
Video18 min8 Things I Quit to Get Rich (From Broke to Millionaire)
This video outlines eight specific mindset shifts and lifestyle changes that the creator used to transition from financial instability to a seven-figure net worth. It focuses on overcoming self-limiting behaviors, such as fear of failure and reliance on a corporate salary, to achieve true financial independence.
Video13 min7 Wealth Habits That Changed My Life
This video outlines seven core habits practiced by wealthy individuals to help viewers gain control over their finances. Benjamin Adams provides actionable strategies to build long-term wealth and improve financial literacy.
Video12 minWhy Dave Ramsey Is WRONG About Mortgages
This video examines the trade-offs between 15-year and 30-year mortgages, challenging common advice regarding strict home-buying rules. It analyzes whether prioritizing long-term interest savings or cash-flow flexibility is more beneficial for building wealth.
Video13 minHow I Built an 800+ Score
This video provides a deep dive into the technical mechanics of credit scoring, explaining the six categories that influence your rating. A veteran banker shares expert insights on how to maintain high scores and avoid critical errors that could damage your credit profile.
Video10 minCredit Card Perks They Hope You Never Find Out
This video reveals hidden perks and protections offered by many credit cards that go beyond standard cash back or travel rewards. It highlights specific benefits like purchase protection and car rental insurance that can save consumers significant money on unexpected costs.
Video9 min7 Estate Planning Terms You Must Know Before Dying
This video breaks down seven essential estate planning terms to help viewers understand how to secure their assets and avoid probate. It clarifies the differences between common legal instruments like wills and trusts to ensure that final wishes are properly executed.
Video10 minBefore You Claim Social Security After a Spouse Dies, WATCH THIS!
This video provides a guide to navigating Social Security survivor benefits after the death of a spouse. Ben Adams explains eligibility rules, potential pitfalls like the remarriage trap, and strategies for maximizing lifetime income during a difficult transition.
Video12 min6 Skills You Must Master by 2026 (Or Get Left Behind)
This video outlines the 'GROWTH' framework, a set of six high-value skills designed to help individuals increase their income and achieve financial success in 2025. It emphasizes that building specific habits and modern competencies is more critical for long-term wealth than traditional degrees.
Video9 minThe Housing Crisis is Getting Worse: 4 Reasons Your Monthly Payment Doubled
This video examines the primary factors driving the current housing affordability crisis, including rising home prices, high interest rates, and increased insurance and tax costs. It also provides practical strategies for potential homebuyers to manage these challenges and navigate the current market.
Video15 minThe Biggest Lie in Real Estate (And What It’s Costing You)
This video debunks the common myth that prospective homebuyers need a 20% down payment to purchase a home. It explores current market realities and strategies, including down payment assistance programs, that allow buyers to enter the housing market with less upfront capital.
Video10 min8 Massive Government Benefits Retirees Are Missing in 2026
This video highlights eight government assistance programs that retirees often overlook but can use to significantly reduce their living expenses. Benjamin Adams explains how to access benefits like Medicare aid, energy assistance, and property tax relief to protect retirement savings from inflation.
Video8 minWhy You Should Act Poor (If You Want to Be Rich)
This video explores why rejecting flashy consumerism and adopting a modest lifestyle is essential for building true, long-term wealth. It highlights the philosophies of icons like Warren Buffett and Andrew Carnegie to demonstrate how quiet living leads to financial freedom.
Video11 min12 Ways the IRS Can't Touch Your Money (Legally)
This video explores 12 legal tax strategies that allow individuals to minimize their tax burden and retain more wealth. It covers diverse financial mechanisms including inheritances, Roth distributions, and capital gains exemptions to help viewers build long-term financial momentum.
Video9 min7 Evening Habits to Double Your Productivity and Wealth
This video outlines seven evening habits designed to improve productivity and mindset for long-term wealth building. It emphasizes moving away from mindless habits and toward disciplined routines that prepare you for higher performance the next day.
Video7 minTrump Wants to Privatize Fannie Mae & Freddie Mac: What It Means For Your Mortgage
This video examines the potential implications of privatizing Fannie Mae and Freddie Mac on the U.S. housing market. It breaks down the debate by highlighting both the risks to mortgage accessibility and costs, as well as the potential benefits regarding taxpayer risk and market efficiency.
Video1 minThe "Invisible Tax" You’re Still Paying
This video examines the lottery as a detrimental financial habit and contrasts it with the proven wealth-building power of compound interest. It encourages viewers to replace hope-based gambling with consistent financial habits to secure their future.
Video10 minStop Doing These 10 Things If You Want to Be Rich (Wealth Killers)
This video identifies 10 common financial habits that trap individuals in a paycheck-to-paycheck cycle. It provides an audit of everyday mistakes, such as impulsive spending and unnecessary debt, to help viewers shift their mindset toward building lasting wealth.
Video12 minWhat's REALLY Changing Home Loans in 2025
This video examines the housing market outlook for 2025, covering trends in home prices, inventory, and buyer demand. It also explains how shifting mortgage rates and institutional factors like Fannie Mae impact borrower affordability and decision-making.
Video15 minWhy Your 2025 Property Taxes Might Be Too High
This video explains how 2025 property tax assessments work in Colorado and why homeowners may be overpaying due to assessment errors. It provides actionable advice on how to file a free appeal to potentially lower property tax bills before the deadline.
Video15 minIf you’re in your 20’s or 30’s watch this!
This video offers 15 essential life and financial lessons specifically tailored for people in their 20s and 30s. It covers practical wisdom on career growth, building wealth, and avoiding common mistakes that can hinder financial success.
Video10 min10 Ways Car Dealerships Take Advantage of You!
This video outlines ten common deceptive tactics used by car dealerships to increase their profit margins at the buyer's expense. It provides actionable advice to help consumers navigate the sales process more effectively and avoid unnecessary costs.
Video9 minTop 7 Reasons Why Buying a New Car is a Financial Mistake
This video outlines seven key reasons why purchasing a new car is often a poor financial decision that can hinder your path to wealth. It explores the hidden costs and psychological factors associated with new car ownership that lead to long-term financial regret.
Video7 minWhy Young Adults Must Start Retirement Planning NOW!
This video outlines the critical importance of starting retirement planning early to ensure long-term financial security. It covers essential strategies and actionable steps young adults can take to leverage time and compound growth for their future.
Video9 minWhy You’re Poor: 15 Habits Rich People Avoid
This video examines 15 common habits that hinder wealth accumulation and contrasts them with the mindset shifts of successful millionaires. It provides practical advice on adjusting daily financial behaviors to foster long-term prosperity and financial freedom.
Video11 minBanker Explains: Don’t Make These Credit Mistakes
This video breaks down five common mistakes that negatively impact credit health. It provides actionable advice to help viewers improve their credit scores and avoid avoidable financial pitfalls.
Video8 minBanker Explains: Top 5 Millionaire Habits
This video explores the top five habits of self-made millionaires to help viewers cultivate a successful mindset. By shifting your approach to wealth and daily discipline, you can create a path toward reaching your own financial goals.
Video8 minHow To Get Rich By Looking Poor!
This video explores the concept of stealth wealth by examining how outward displays of luxury often disguise a lack of true financial stability. It provides actionable advice on how to build genuine long-term wealth by avoiding status spending and adopting a more modest lifestyle.
Video8 minHow To Know If You Are Doing Well Financially
This video outlines six key metrics to help viewers objectively measure their financial health. It provides a framework to determine if you are on the right path toward your financial goals.
Video11 minWhy American Comfort is so dangerous
This video examines how the constant pursuit of comfort in American society can become a major obstacle to personal and financial growth. It outlines six specific reasons why seeking an overly comfortable lifestyle might be hindering viewers from reaching their ultimate goals and happiness.
Video10 min5 Middle Class Habits that will keep you poor
This video examines common behavioral patterns and beliefs within the middle class that often prevent individuals from achieving true wealth. Benjamin Adams challenges traditional financial conditioning and provides insights into shifting one's mindset to foster long-term financial success.
Video7 minBanker Explains: Top 6 Reasons People LOSE with Money
This video breaks down the six common financial habits and pitfalls that prevent people from building wealth. By identifying these negative behaviors, viewers can learn actionable steps to improve their financial situation and adopt a healthier money mindset.
Video24 minI Read 30 Books On Money. Here is what will change your life and make you rich!
This video highlights five essential books on personal finance that offer foundational knowledge for building wealth and changing your mindset. It summarizes key principles from classic literature that help viewers understand how to grow their net worth and achieve long-term financial success.
Video16 minBanker Explains: Follow These 8 Steps on Payday to become RICH
This video outlines a structured eight-step routine to follow every payday to improve financial management and build wealth. It emphasizes moving away from paycheck-to-paycheck living by utilizing automation and conscious spending plans.
Video14 minBanker Explains: #1 Killer Of American Wealth
This video explores the primary reasons why many Americans struggle financially, specifically focusing on the impact of consumer behavior and depreciation on wealth accumulation. Benjamin Adams shares a personal story to illustrate how tracking cash flow and understanding asset value are essential for breaking the paycheck-to-paycheck cycle.
Video14 minBanker Explains: Why SO MANY high income earners are broke
This video examines why many high-income earners struggle to build wealth despite their earnings. It breaks down critical poor money habits, such as lifestyle inflation and failing to plan, while offering actionable steps to improve personal financial health.
Video7 minHow to RESPOND to a Data Breach
This video outlines essential defensive tactics to take immediately following a data breach to protect your identity and financial assets. It provides actionable steps including reporting fraud, placing alerts, and freezing your credit files.
Video12 minHow To Prevent Identity Theft & Fraud
This video provides a practical guide on protecting your identity following a personal experience with a data security breach. It outlines five essential steps, including freezing credit and monitoring reports, to help viewers safeguard their personal and financial information.
Video9 minHow To Get Pre-Approved For a Mortgage in 5 Easy Steps
This video outlines a clear five-step process to help potential homebuyers secure mortgage pre-approval efficiently. It covers everything from mental preparation and selecting a lender to navigating loan applications and finding the right real estate.
Video9 minThe American Education System has PROGRAMMED you to be POOR!
This video examines how the traditional school system fails to teach essential life and financial skills needed for long-term success. It identifies five critical areas, including mindset, financial literacy, and individual strengths, that students must master to escape a cycle of scarcity.
Video10 minDon't Miss Out On These Hidden Credit Card Rewards
This video explores ten hidden perks often overlooked by credit card holders, such as purchase protection, rental car coverage, and extended warranties. It highlights how these benefits provide value beyond standard points or cashback rewards.
Video12 minTop 3 Reasons Dave Ramsey is WRONG about Mortgage
This video challenges traditional mortgage advice often given by Dave Ramsey by critiquing common recommendations regarding loan terms, down payments, and private mortgage insurance. The creator argues that these rigid rules can be outdated and may unnecessarily prevent people from achieving homeownership.
Video13 minHow to Get a PERFECT CREDIT SCORE for FREE!
This video features a mortgage banker explaining the mechanics behind credit scoring models and how to improve your score. It covers critical factors like payment history, credit utilization, and account age to help viewers reach an 800+ credit score.
Video13 minHow To Get Rich Guide: Master These 7 Skills
This video outlines seven essential habits and principles required for building wealth and achieving long-term financial success. It emphasizes the importance of developing a vision, mastering financial literacy, and leveraging skills to create opportunities.
Video14 minBanker Explains: Top 5 Habits That Keep People Poor
This video breaks down five common financial habits that hinder long-term wealth building, such as financing depreciating assets and succumbing to lifestyle creep. It provides actionable advice on how to shift your mindset and actions toward wealth-generating behaviors.
Video13 minBanker Explains: Top 3 Credit Mistakes That Keep People Poor
In this video, a mortgage banker shares his personal insights and experiences regarding common credit mistakes that contribute to long-term financial struggles. He identifies three specific pitfalls and provides actionable advice to help viewers improve their credit health and secure their financial future.
Video10 minMy Path From Underwriting To Origination to Financial Literacy
This video details the professional journey of a mortgage expert transitioning from underwriting to loan origination and financial education. It covers the importance of finding the right loan program for customers and the host's commitment to financial literacy.
Video7 minWhat Makes Me Unique as a Mortgage Professional
This video outlines the unique professional approach and diverse skill sets offered by a mortgage professional throughout the home loan process. It covers key stages of the mortgage experience including compliance, underwriting, rate locking, and closing.
Video5 minShalimar Property | Part 2 | Shalimar House Tour in the Sonoran Desert | Tucson, Arizona
This video provides a tour of the Shalimar House in Tucson, Arizona, showcasing its modern luxury design within a desert setting. It highlights specific property features, including outdoor living spaces, a pool deck, and storage facilities like an RV carport and garage.
Video9 minShalimar Property | Part 1 | Shalimar House Tour in the Sonoran Desert | Tucson, Arizona
This video provides a walkthrough of the Shalimar property located in the Sonoran Desert in Tucson, Arizona. The tour highlights the interior design, room layout, and living spaces of this desert home.
Video5 minSaguaro Vista: Captivating House Tour in the Sonoran Desert | Part 2
This video provides a visual tour of the Saguaro Vista property in the Sonoran Desert. It highlights interior design choices, bedroom layouts, and outdoor living spaces, focusing on southwestern aesthetics.
Video11 minSaguaro Vista: Captivating House Tour in the Sonoran Desert | Part 1
Benjamin Adams provides a tour of one of his real estate properties located in the Sonoran Desert. He showcases the specific amenities of the house that make it a successful and appealing short-term vacation rental.
Video10 minLearn How to Play the Credit Card Game Part 2
Last week we started talking about credit cards. We had a little bit of an introduction to credit cards. Why they're so important. And we started off the credit card conversation by talking about things that you should avoid and things that you should not do when using credit cards. And today, we'r
Video8 minLearn How to Play the Credit Card Game! part 1
In this video series, I wanted to answer some of those questions and just share with everyone what I learned, how I'm using credit cards, what you should use credit cards for, and then also what you should not do and what you should watch out for. For now, the number one most important thing with cr
Video9 minUnderstanding the Risks of Student Loans
Are you considering taking out a student loan to fund your education? Before you make this important decision, it's crucial to understand the risks involved. In this eye-opening video, we delve into the complexities of student loans and shed light on the potential pitfalls that borrowers often overl
Video10 minConsidering Student Loans? What you Need to Know!
In this video, we will provide you with essential information and insights to help you navigate the world of student loans effectively. Are you a student or a parent exploring the option of student loans to finance your education? We understand that the process can be overwhelming and confusing, bu
Video7 minDon't Make this Mistake with Student Loans
In this video, we're going to discuss the dangers of student loans. Student loans can be a great way to help you fund your education, but you need to be aware of the dangers before you take out a loan. We'll discuss some of the common mistakes students make, and how you can avoid them. After watchi
Video10 minTrue or False: 2008 Housing Crash is Happening in the Student Loan Market
In this video, I'll discuss student loan advocacy, what it is, what you can do to get involved, and how it can help you. I'll also provide resources and advice on how to deal with student loan troubles and debt. Student loan advocacy is a powerful tool that can help students and young professionals
Video5 minWarning! Student Loans Ahead
Today we're going to talk about something very exciting, a little controversial, and a bit scary topic. Student Loans! If you're thinking about taking out a student loan, be warned! This video is full of information about student loans, their importance, and the dangers that come with them. ------
Video8 min"The Dangers of Co-signed debt" Beware!
"The Dangers of Co-signed debt" Beware! This is a warning for all those who have co-signed for someone else's debt. Watch this video to learn the risks including the best and worst-case scenarios of co-signing someone else's debt. --------------------------------------------------------------------
Video11 minInsider Access To The Credit Bureaus Secret Scoring Model
Understanding your credit score is important if you want to improve your credit history or score. This video will give you an overview of the different credit scoring models used by the major credit bureaus, and help you understand how they calculate your score. ------------------------------------
Video9 minTop 5 Credit Mistakes Americans Make and how to avoid them
We got an amazing topic for today and guess what it is? That's right! Top 5 credit mistakes Americans make and ways to avoid them. These 5 mistakes are so important as these will trickle down to every aspect of an individual's life. -----------------------------------------------------------------
Video15 minHow to use, understand, and build credit
In today's video, we're going to talk about something I absolutely love. That's right, credit! If you're wondering what is it, how to use it, and why is it important, then this video is perfect for you.
Video5 min5 Steps to Build Wealth
Let me share with you the 5 practical steps you can take to build your wealth, increase your income, and gain financial independence. --------------------------------------------------------------------- ⌛Time Stamps⌛ 00:00 Intro 01:08 Step 1- Learning and Understanding the importance of budgetin