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In this episode of The Broke Millionaires Podcast, Joshua and Lauryn unpack a powerful wealth-building concept that most investors completely overlook: creative lending itself can be the investment.

The conversation starts by breaking down why the traditional financial system favors owners over employees — from taxes to inflation and debt — and why simply earning more income rarely leads to financial freedom. But around the 12-minute mark, the episode takes a deeper turn into creative lending strategies and how they can be used to generate returns, reduce risk, and unlock deals that conventional financing can’t touch.

Instead of viewing lending as something only banks do, Joshua and Lauryn explain how everyday investors can step into the role of the lender — using private notes, seller financing, subject-to deals, and hybrid structures to create income-producing assets backed by real estate.

They discuss how creative lending allows investors to:

• Earn returns without owning or managing the property
• Control risk through collateral and structure
• Stay liquid while still benefiting from real estate-backed deals
• Participate in deals they otherwise couldn’t qualify for
• Build predictable income streams outside of appreciation plays

The episode also covers why creative lending becomes especially powerful in uncertain or high-interest-rate environments, when sellers need flexibility and traditional buyers struggle to qualify. Rather than sitting on the sidelines, lenders who understand creative structures can step in as problem solvers — and get paid to do it.

Joshua and Lauryn share real-world examples of how these strategies show up in their own investing journey, including how lending can complement long-term rentals, mid-term rentals, and active ownership strategies — all while fitting into a family-focused, long-term wealth plan.

In this episode, we cover:

• Why the financial system rewards ownership over labor
• How inflation quietly destroys savings
• The difference between investing in real estate vs. investing through lending
• What creative lending actually looks like in practice
• How seller financing and private notes work
• Why being the lender can mean less stress and more control
• How creative lending fits into a diversified wealth strategy

This episode is ideal for investors who want exposure to real estate without taking on another renovation, tenant, or management headache — and for families looking to grow wealth without relying solely on appreciation.

Resources & Next Steps:

If you want to learn how we evaluate creative deals, lending structures, and long-term ownership strategies as a family, explore the Legacy Wealth Builder community or book a discovery call to see if it’s a fit.

🎧 Listen through the end, share this episode with a partner or investor friend, and let us know which creative strategy surprised you most.

We are looking for guests that have something helpful to share. If you or someone you know could make a good guest on the show, drop us a line to see if it would be a good fit [email protected]

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