Join the mailing list: https://eyimbook.com/newsletter/In this episode, Christine McCarron interviews Dustin Heiner, founder of Master Passive Income, about how he built a real estate portfolio of over 30 single-family homes and 775+ apartment units, allowing him to retire at age 37.Key Takeaways & Core Concepts:1. Mindset Shift: From Employee to Business OwnerThe Trap of the 9-to-5: Job security is an illusion. Traditional career paths teach people to trade time for money and live on reduced income in retirement.Valuing Time Freedom: True wealth is regaining 40+ hours a week to spend with family, travel, and build new ventures.Building the Business First: Most people buy a house and try to manage it. Successful real estate investors build the business infrastructure first (hiring property managers, contractors, and market experts) before acquiring inventory.2. Cash Flow vs. SpeculationFocus on Cash Flow, Not Appreciation: Investing purely for appreciation is gambling on market value increases. Cash-flow investing ensures that every property yields monthly net profit right away.Recession Resistance: During economic downturns or housing crashes, rental demand increases as people are forced out of homeownership, keeping cash-flowing portfolios stable and profitable.3. Scaling and the BRRRR MethodRecyclable Capital: Using the BRRRR method (Buy, Rehab, Rent, Refinance, Repeat), an initial down payment can be recycled continuously across multiple properties.Creative Financing: Scaling requires using Other People's Money (OPM), private lenders, or alternative funding sources to acquire properties.Delegation: Investors cannot scale if they handle day-to-day maintenance or tenant management. Local property managers handle ground operations so the investor works minimal hours per month across multiple states.Quick Summary of the Strategy:Build the Business Network - Verify Market Rents with Local Experts - Acquire Cash-Flowing Inventory - Leverage and Recycle Capital to Scale.Connect with Dustin: https://masterpassiveincome.com/freecoursehttps://incomebuilder.iohttps://instagram.com/thedustinheiner

Episode Overview

In this episode of Get Your Fill, Financial Independence andLong Life, host Christine McCarron covers the final two wealth and abundance affirmations from Louise Hay, reframing personal mindsets around wealth, and sharing practical daily affirmation routines.

Key Themes & Topics

1. Releasing Resistance to Money

Affirmation: "I release all resistance to money, and welcome wealth now."

Money as a Tool: Money itself is neutral energy. It can beused for good or bad, generosity or fear, or lifestyle ease.

Childhood Conditioning: Hostility, envy, or fear toward richpeople often stems from childhood beliefs (e.g., pop culture tropes portraying the wealthy as selfish). Overcoming these beliefs allows one to view wealth as a tool for personal freedom and philanthropy.

2. Aligning with Infinite Abundance

Affirmation: "I am aligned with the energy of infinite abundance."

Energy Ocean: Humans and abundance are both made of energy, metaphorically connected in the same body of water.

Inner Guidance: Connecting to a higher power or "higherself"—often accessed through intuition or meditation (referencing a previous interview with Monique Rhodes)—aligns you with universal abundance.

3. Practice & Call to Action

The 30-Day Challenge: Recote Louise Hay’s 6 affirmations 10times every morning for one month to test their impact on your mindset.

Bonus Affirmation (Bob Proctor):

"I'm so happy and grateful now that money comes to mein increasing quantities through multiple sources on a continuous basis."

Host Christine McCarron continues her exploration of LouiseHay affirmations, focusing on deep-diving into two specific daily affirmations centered on abundance, mindset, and wealth building.

1. Louise Hay Daily Affirmations for Abundance

Featured Affirmation: "I appreciate the abundance thatflows into my life daily."

Reframing Financial Abundance: Abundance goes beyondmoney—it includes nature, love, laughter, coffee, delicious food, and meaningful interactions.

The Power of Gratitude: Like an appreciating financialasset, expressing appreciation causes the good things in your life to grow, multiply, and become more noticeable via the mind's reticular activating system (RAS).

Generating Ideas: Wealth often starts with a singleperspective shift. Cultivating gratitude opens your mind to million-dollar ideas.

2. Manifesting Income & Wealth Mindset

Featured Affirmation: "My income increases every day,in every way."

Recognizing Small Opportunities: Income growth isn't alwaysa massive paycheck. It can be small wins like finding a penny, holding onto money you already have, or saving dollars (e.g., getting a free cup of coffee).

Building Momentum: You don't need to force wealth; yousimply need to activate your "gratitude muscles" to recognize and accept financial opportunities when they present themselves.

3. Affirmation & Meditation Best Practices

Subconscious Rewiring: Just as negative self-talk conditionsthe mind over time, consistently repeating positive affirmations retrains the subconscious to believe in your success.

Belief & Neutrality: You must believe the affirmationsor at least maintain a neutral mindset ("maybe it will work") rather than viewing them as false.

Daily Routine: Repeat each affirmation 10 times daily(during morning/evening routines, walks, or drives) as a form of active meditation.

Episode Closing

The host leads a repetition exercise (10x each) for bothaffirmations and previews the next episode, which will cover the final two Louise Hay affirmations along with a bonus affirmation from Bob Proctor.

Join the mailing list: https://eyimbook.com/newsletter/

Watch the video: https://youtu.be/3U1IBwCSesw

Guest: Monique Rhodes (Mindfulness Expert & Creator of TheTen-Minute Mind)

Connect with Monique: https://moniquerhodes.com/

Join the mailing list: https://eyimbook.com/newsletter/

1. Transforming Trauma & Depressive Mindsets

The Journey: Monique shares her background of growing upadopted in New Zealand, facing deep trauma, anxiety, and severe depression. At age 19, following a suicide attempt, she made a firm commitment to reclaim her life and investigate the root causes of mental suffering.

Taking Agency: Realizing the medical system had limitations,Monique embraced deep self-responsibility. Over a 13-year journey living out of a backpack and traveling globally, she discovered that the mind is the ultimate creator of both suffering and happiness.

Mindset Shift: Moving away from a victim mindset requiresreclaiming personal agency, shifting internal narratives, and recognizing that lasting happiness comes from within.

2. Eastern Philosophy & Demystifying Meditation

Buddhism & Philosophy: Monique’s path to healing heavilyinvolved Eastern philosophy and meditation, which taught her how to systematically train her mind.

Common Meditation Fallacies:

Myth: Meditation is supposed to instantly quiet or empty themind.

Reality: When you first sit down, the mind gets significantly louder. Meditation creates breathing room for previously suppressed thoughts and emotions to surface.

The True Purpose of Meditation:

Meditation is not about achieving a blank mind; it is about self-awareness and present-moment presence.

It acts as a diagnostic tool to observe habitual thoughtpatterns, rumination, anxiety, and triggers.

3. The "Mind-Bicep Curl" & Overcoming Discomfort

Training Attention: The core mechanism of meditation is likedoing a bicep curl for the brain: when the mind drifts into thoughts of the past or future, you gently pull it back to the present.

No "Bad" Meditation: Staying seated for 10 minutes—even when uncomfortable or restless—is a success.

Building Emotional Resilience: By sitting through mentaldiscomfort during practice, you build the capacity to stay present during difficult real-life situations (e.g., tough conversations, moments of anxiety) instead of running away or self-medicating.

4. Technology, Attention, & Digital Distraction

Digital Self-Medication: Modern society constantly usestechnology (smartphones, social media, entertainment) as a form of medication to avoid uncomfortable emotions or brief solitude.

The Presence of Phones: Citing research from MIT's SherryTurkle, Monique notes that having a visible phone during interaction—even if muted or face down—signals to the brain that an interruption could happen at any moment, diluting the depth and quality of human connection.

Reclaiming Control: Algorithms and tech platforms profit offhuman attention. Regular mindfulness practice allows individuals to take back control of their focus, mind, and life.

Key Takeaways

Mindset & Mental Health: Healing from overwhelm andanxiety requires deep self-responsibility and actively redirecting your mental focus.

Meditation Essentials: Expect noise initially; treat thepractice as a daily habit to strengthen your presence muscle.

Digital Wellness: Intentionally put devices away to protectyour focus and foster meaningful, face-to-face relationships.

In this episode of Get Your FILL, host Christine McCarron focuses on the critical link between a positive mindset and achieving financial independence, wealth building, and excellent health. Drawing from the teachings of pioneer Louise Hay, McCarron breaks down how shifting your mental vibration is 90% of the battle when it comes to attracting success.The Power of Mindset & The Law of AttractionAccording to McCarron, successful people consistently attribute their achievements to a fundamental mindset shift. To transition from a scarcity mindset to an abundance mindset, individuals must actively rewrite their internal narratives.The Law of Attraction: What you focus on, you bring about. Constantly dwelling on debt, poor health, or bad relationships only keeps your energy at a low vibration, attracting more of the same negative experiences.A Shift in Perception: Real change begins by celebrating incremental progress and finding positive angles in daily occurrences (e.g., viewing a minor physical recovery as proof of healing or treating a found penny as a sign of incoming wealth).The Chiropractor Story: To illustrate this, the host shares how a shift in focus regarding a painful frozen shoulder led her to instinctively switch to a new chiropractor after three years. The new practitioner immediately aligned her shoulder blades, leading to rapid relief. McCarron notes that when you raise your vibration, the universe naturally brings resources, opportunities, and solutions your way.Louise Hay's 6 Abundance AffirmationsLast week, the host introduced 6 powerful affirmations designed to reprogram your subconscious mind. She recommends mastering two affirmations each week by repeating them 10 times every morning:Money flows to me easily and effortlessly.I am a money magnet.I appreciate the abundance that flows into my life daily.My income increases every day in every way.I release all resistance to money and welcome wealth now.I am aligned with the energy of infinite abundance.Focus of the Week: The First Two AffirmationsMcCarron dives deep into how to successfully practice and internalize the first two phrases.1. "Money flows to me easily and effortlessly"Emotional Alignment: You cannot just repeat the words while secretly feeling broke. You must cultivate the feeling of financial freedom.Visualization Technique: Ask yourself questions like, "What would it feel like to earn $100 an hour?" Visualize paying off credit cards, buying a car, or taking a stress-free vacation. Feeling the excitement and relief of freedom raises your energetic frequency, which naturally prompts creative ideas—like presenting a strong, professional case to your boss for a well-deserved raise.Adaptability: If money isn't your primary pain point, substitute it with love, excellent health, or adventure (e.g., "Love flows to me easily and effortlessly").2. "I am a money magnet"Understanding Vibration: Like a physical magnet that cannot attract plastic because they do not resonate at the same frequency, you cannot attract financial abundance if you are vibrating at a low, complaining frequency.The Pursuit of Happyness Example: McCarron references the famous film (starring Will Smith) where a homeless father raises his vibration by actively pursuing a stockbroker career rather than bitter jealousy. He proved his worthiness to himself, eventually opening the floodgates to immense success.Mental Accumulation: Celebrate every small financial win—whether it is finding a penny, getting a free cup of coffee, or earning a raise. Visualize this money accumulating in a "mental jar" to reinforce the belief that wealth is actively flowing to you.Episode Conclusion & Guided PracticeTo wrap up the episode, McCarron guides the listener through a focused meditation, repeating the first two affirmations 10 times each to solidify the mental reprograming:"Money flows to me easily and effortlessly." (x10)"I am a money magnet." (x10)

Core Topic: Shifting your money mindset using the teachingsand daily affirmations of renowned self-help author Louise Hay.

The episode focuses on how transitioning from a scarcitymindset to an abundance mindset is the foundational step to going from poor to rich. According to McCarron, changing how you experience life—whether seeking an abundance of money, opportunities, or relationships—requires deliberatelyreprogramming your thoughts to override a lifetime of negative conditioning.

The 6 Louise Hay Wealth Affirmations

McCarron shares six specific affirmations recommended byLouise Hay to attract financial success. The practice involves repeating each phrase 10 times daily.

"Money flows to me easily and effortlessly."

"I am a money magnet."

"I appreciate the abundance that flows into my life daily."

"My income increases every day in every way."

"I release all resistance to money and welcome wealth now."

"I am aligned with the energy of infinite abundance."

Tip for beginners: McCarron suggests memorizing thesegradually (e.g., learning two per week) and personalizing them to internalize their meaning.

Key Concepts & Law of Attraction Philosophy

To help listeners connect with the affirmations, McCarronbreaks down the core concepts behind the Law of Attraction and spiritual wealth:

Money as Energy: Everything in the universe, includingourselves and money, is made of energy. By recognizing this, we understand that financial abundance is constantly surrounding us; we simply need to resonate with its frequency.

The Magnet Metaphor: True money magnets do not chase orstrain. Just as physical magnets naturally draw steel filings to themselves based on their properties, individuals with a wealthy mindset naturally attract cooperative components, people, and lucrative opportunities through their energetic vibration.

Gratitude vs. Appreciation: McCarron alters Louise Hay’soriginal use of "gratitude" to "appreciation." She notes that gratitude can imply a passive reliance on an outside source, whereas appreciation mirrors financial terms (like an asset appreciating in value). The more you appreciate what you have, the more it grows.

Money as a Tool: Wealth is inherently neutral—a "modeling clay" or raw element. It holds no intrinsic evil or goodness; instead, it amplifies the intentions of the creator, allowing them to manifest joy, generosity, and creative freedom.

Alignment with Infinite Intelligence: Ultimate success comesfrom aligning with a higher "God force" or infinite intelligence.Raising your energetic resonance directly correlates to a happier, cooler, and more abundant reality.

The Takeaway: Hard work alone will not attract wealth if youdon't change your mindset. By releasing subconscious resistance and consciously inviting money in, you can celebrate true independence and actively create your own financial reality.

Join the mailing list: https://eyimbook.com/newsletter/

The History of Money: Gold Standard vs. Fiat Currency

The conversation opens with a historical look at the U.S.monetary system. In the 1800s, the U.S. operated on an honest gold coin standard, where the government did not create money but merely standardized its weight. The money supply depended strictly on physical gold discovery.

The system experienced a steady decline in monetaryintegrity, culminating in 1971 when President Richard Nixon took the U.S. off the gold standard permanently. This ushered in the era of fiat currency, allowing governments to run massive budget deficits and accumulate national debt. Policymakers have largely convinced themselves that these debts do not matter, using them to distribute subsidies and stimulus checks to maintain popularity.

Money vs. Capital and Wealth Inequality

A critical concept many people misunderstand is thedifference between money and capital. In a free-market capitalist system, wealth disparity is natural and moral when it is based on productivity and mutual benefit (e.g., producing goods like bikes or suits).

However, modern monetary policy from central bankshas distorted this system. Instead of wealth reflecting real economic contributions, it is being artificially redistributed, primarily benefiting the top 10% of asset holders while squeezing the next generation and lower-income strata.

How Central Banks Distort the Stock Market

The guest explains that central bank intervention—spearheaded by former Federal Reserve Chairs like Alan Greenspan, Ben Bernanke, and Janet Yellen—has sacrificed the real economy to engineer higher asset prices.

The Traditional Market: Historically, a strong stock marketreflected a healthy economy driven by corporate profitability and capital creation.

The Modern Distortion: Central banks began manipulating themarket by slashing interest rates to zero (or negative) and printing trillions of dollars through Quantitative Easing (QE).

Bad News is Good News: This manipulation broke the pricediscovery mechanism. Investors now celebrate weak economic data or recessions because it signals that the Federal Reserve will inject liquidity and lower rates to pump the stock market.

Key Statistic: The top 10% of Americans own 87%of all equities and mutual funds, while the bottom 50% own just 1%. Consequently, central bank policies directly worsen wealth inequality.

The Housing Market and Forced Savings

The distortion extends heavily into real estate. Using the example of a home purchased in 2001 that quadrupled in price by 2026, the guest notes that a primary residence is not a productive asset—it hasn't grown in size or utility. Therefore, soaring home prices represent a direct redistribution of wealth from the bank accounts of younger generations and immigrants into the accounts of older homeowners.

Furthermore, policies introduced in the mid-2000s encouraged homeowners to use their houses as ATMs, extracting billions in home equity via refinancing to spend on consumer goods. This left millions of mortgages underwater when the market turned. Today, the math no longer works for young people, pushing the average age of a first-time homebuyer in America to 40.

Political Polarization and Economic Solutions

The guest argues that America's intense political polarization is a direct byproduct of monetary policy. Citizens feel economically squeezed but cannot connect the dots to central banking, leading them to blame opposing political parties instead.

Watch the video: https://youtu.be/z1z6zpAqTRE

Connect with Paul:

pauliticaleconomy.com https://podcasts.apple.com/ca/podcast/paulitical-economy/id1818129814https://www.linkedin.com/in/paulbmusson/ https://www.instagram.com/paddingtoncap/https://twitter.com/paddingtoncaphttps://open.spotify.com/show/3HbZzj1Z4LXEYtKhH7tveR?si=b04bcb4d790245eb

Join the mailing list - https://eyimbook.com/newsletter/How do you transition from a 9-to-5 to financial freedom through real estate, even if you are starting with nothing? In this episode, seasoned real estate operator Michael Fernandes shares actionable strategies on how he built his portfolio from the ground up using creative financing and savvy local prospecting.🚀 Key Searchable Concepts & Takeaways1. Finding "Value-Add" Real Estate OpportunitiesInvestors are always searching for the best way to find undervalued properties. Michael’s strategy focuses heavily on value-add real estate, targeting properties where he can manufacture a minimum of 30% upside.• The "Driving for Dollars" Method: For beginners or those working a 9-to-5, the best deals are often in your own backyard. Michael recommends driving a few-mile radius around your neighborhood on weekends looking for physical signs of neglect (e.g., overgrown grass, deferred maintenance).• Direct-to-Owner Marketing: Once an underutilized property is spotted, skip the MLS. Knock on doors, leave physical notes, or research the owners to call them directly before graduating to direct-mail marketing campaigns.2. Creative Finance: What is a "Subject-To" Mortgage?One of the most frequently searched terms in real estate investing is creative finance, specifically Subject-To (Sub-To) deals. Michael broke into the industry during the 2008 crash with only $749 in his bank account using this exact strategy.• How Subject-To Works: You buy the property and take over the deed, but the existing mortgage stays in the seller's name. You simply assume the mortgage payments.• Is it legal? Yes. While banks have a "due-on-sale" clause that allows them to call a loan due upon transfer, Michael notes it is rare (occurring in only about 5 or 6 out of 1,500 of his deals). As long as the lender gets paid on time, they rarely care where the check comes from.• Handling Equity with Second Mortgages: If a house is worth $100,000 and the seller owes $50,000, they have $50,000 in equity. Michael structures these deals by having the seller hold a seller-financed second mortgage for that equity, or helping them sell that mortgage note to a private note investor for quick cash.3. Raising Private Capital vs. Bank FinancingSecuring traditional bank loans can be a major hurdle for new investors. Michael emphasizes that raising private capital is often much easier and less restrictive than dealing with banks.• Finding joint venture partners or private lenders who have the cash but lack the time to find deals is a powerful way to scale.• By leveraging Subject-To financing first, beginners can build immediate track records and revenue before networking at local Real Estate Investor Associations (REIAs) and meetups to raise bigger capital.4. Market Nuances: Attorney States vs. Title StatesCreative financing strategies like Subject-To do not work the same everywhere.• Deed of Trust States (e.g., Florida, Texas, Arizona) utilize title companies and are highly favorable for creative deals.• Attorney-Heavy States (e.g., New York, New Jersey, Connecticut) are notoriously more challenging because closing attorneys who are unfamiliar with Subject-To structures can frequently act as "deal killers."💡 Top Golden Rules for Beginner InvestorsDon't Quit Your 9-to-5 Prematurely: Do not leave your day job until you have a solid, predictable revenue stream coming in from your investments. Splitting your time is hard, but starving while trying to close your first deal is harder.Avoid Forced Growth: Don't rush the process. Growing too fast prevents you from learning how to properly structure, manage, and scale deals, which can ultimately ruin a business.Want to replicate Michael’s blueprint? Tune in to the full episode to hear exactly how he scaled 14 deals in just 90 days following a market crash!Connect with Michael: https://www.theinvestorspool.com/ https://www.linkedin.com/in/decentralizedrei/

Podcast: Get Your FILL (Financial Independence & Long Life)

Host: Christine McCarron

Guest: Tom Wall, Ph.D., CFP®, author of Permission to Spend,speaker, and advisor coach.

Join the email list: https://eyimbook.com/newsletter/

1. Redefining Retirement as Financial Independence

Retirement is a dated concept; today, it is about financialindependence and creating flexible lifestyle options. A major anxiety for savers is longevity risk—running out of money or facing a market crash or a long-term care event late in life.

2. The Flaw of the "4% Rule"

The Origin: A historical study showed that over the last 100years, taking out 4% of an investment portfolio initially (adjusted annually for inflation) ensured the money lasted 30 years in the absolute worst-case scenario.

The Problem: 99% of the time, the market performs better,meaning retirees die with a hoarded pile of cash they were too afraid to enjoy.Relying solely on a volatile stock portfolio forces you to act like your own cautious insurance company.

3. The "Best Kept Secret": Permanent Whole Life Insurance

Tom advocates a protection-first approach using permanentlife insurance from major mutual companies to serve as a volatility buffer.

Feature How It Works The Benefit

Guaranteed Growth

Cash value is guaranteed to rise every year, independent of market crashes.

Provides a stable, accessible pool of "boring" cash.

Tax Advantages

Growth within the policy accumulates completely tax-free.

One of the last unlimited tax shelters from the IRS.

Dividends

Mutual companies (owned by policyholders, not stockholders) distribute excess profits as dividends.

Automatically drives long-term compound growth.

Policy Loans

You can borrow against your cash value tax-free without age restrictions (unlike IRAs).

The loan is quietly settled out of the tax-free death benefit later.

The 10% Rule of Thumb: Tom's data science research showsthat for every year of income you have stored in a volatility buffer (like a whole life policy), you can safely pull 10% more income off your volatile stock investments with the same historical safety margin. It gives you permission to spend the wealth you accumulated.

4. Generational Wealth Strategy

Permanent life insurance can be opened for children as youngas two weeks old. Tom purchased policies for his sons (ages 10 and 13) when they were infants. The goal is not a payout upon death, but building a robust financial backbone so that by their 20s and 30s, they can use policy cash value to fund real estate, launch businesses, or dodge student debt.

5. Tom’s Entrepreneurial Leap

After 13 years climbing the corporate ladder at a majormutual insurance firm—ultimately running their marketing division—Tom felt a strong pull to tell his own story rather than a corporation's.

At age 42, following a divorce and with his personalfinances already disrupted, he decided to "push all the ships in." He completed his doctorate, published the book he had delayed for six years, and launched a highly successful keynote speaking and coaching business. His advice to listeners is to lean into their unique "superpower"—the one topic that makes their face light up—and build a creative business around it.

Connect with Tom: www.permissiontospend.com

Watch the video: https://youtu.be/oewWCPf-7bo

Subscribe to the newsletter: https://eyimbook.com/newsletter/Rizwan Memon is an experienced stocks and options trader with a 17-year track record in the financial markets. Starting his trading career at just 16 years old with $5,000, he has generated over $10.5 million in trading profits. Today, he leads RIZ International, a global financial education firm that helps traders worldwide build sustainable wealth and master high-income skills.Demystifying Options TradingThe conversation begins by addressing the common perception that options trading is overly complex. Memon clarifies that options are simply a derivative—a contract between two counterparties based on an underlying stock (such as Apple, Google, or Microsoft).• The Basics: One party agrees to buy an asset at a specific price ($X$), and the other agrees to sell it at that same price.• Visual Learning: While the underlying mathematics can feel like "rocket science," Memon emphasizes that using a practical, visual approach makes the concepts accessible to everyday retail traders.Advanced Strategies: Buying vs. Selling OptionsMemon highlights a major structural shift in the industry: sophisticated tools and market data that were once restricted to institutions are now widely available to retail investors.• Net Option Selling: While many online traders focus on buying options, Memon is a net option seller (writing/creating contracts).• The Edge: Selling options allows traders to collect options premium. Based on probabilities, this strategy offers a higher success rate and more consistent weekly income compared to the high-risk "death by a thousand cuts" often experienced when buying options.• Hedging: Hedge funds and major investors (historically including figures like Warren Buffett at Berkshire Hathaway) frequently use options, specifically put options, as an insurance policy to hedge large positions against short-term market drops.Understanding Market Mechanics: Short Selling vs. Going LongTo establish a foundational understanding of price discovery, Memon breaks down how traders capitalize on different market directions:• Going Long: Synonymous with buying a stock with the expectation that its price will rise.• Short Selling (Shorting): Legal market mechanics where a trader bets against a stock. The trader borrows shares from a brokerage (the custodian) to sell them at a high price (e.g., $100), aiming to buy them back later at a lower price (e.g., $90) to pocket the difference. Shorting involves a minor interest fee for borrowing the shares.• Simultaneous Positions: Traders cannot hold a simultaneous long and short position on the same stock in a single account, but they can use options to hedge an existing equity position.Fundamentals, Technicals, and Risk ManagementReflecting on his start during the 2008 financial crisis, Memon attributes his longevity to avoiding penny stocks and focusing on large-cap, reliable companies. For modern portfolio diversification, he combines two primary forms of analysis:• Fundamental Analysis: A cursory review of a company's financial health and key financial ratios without needing to be a forensic accountant.• Technical Analysis: Using charts and price action to observe historical price levels in relation to the broader economy.Key Takeaway: Ultimately, Memon defines his primary job not just as a trader, but as a risk manager. Controlling, defining, and embracing calculated risk is the core driver of profitability in the financial markets.Connect with Riz: https://www.instagram.com/rizinternational/