Ever totally dropped the ball and had to face it head-on? Rich Lennon forgot his breakfast meetup. Yup, the one he organized and promoted. But instead of hiding from the embarrassment, he turned it into a masterclass on how to handle mistakes in business and life in a way that builds more trust, not less.

In this episode, Rich Lennon shares a real-life failure and walks through the 4 simple but powerful steps that can turn a mess-up into momentum. If you’re an entrepreneur, investor, or just a human being who makes mistakes (so… all of us), this is a must-listen.

You’ll Learn How To:

• Own your mistakes without making excuses
   
• Apologize in a way that builds respect and credibility.
   
• Make things right—even when it costs you.
   
• Turn an embarrassing slip into a relationship builder.
   
• Handle private money mishaps like an actual pro.
   

Who This Episode Is For:

• Entrepreneurs who want to build a reputation of integrity
   
• Real estate investors manage relationships with lenders or partners.
   
• Anyone who’s messed up and wants to learn how to recover with grace
   

Why You Should Listen:

Mistakes aren’t the end, they're often the beginning of deeper trust. The way you handle failure says more about your character than the mistake itself. This episode gives you a straightforward, human-centered approach to handling those challenging moments so you come out stronger, not smaller.

What You’ll Learn in This Episode:

[00:00] The breakfast mistake that inspired this episode

[01:00] Why trying to cover up your mess-up only makes it worse

[02:00] Step 1: Own it (no excuses)

[03:00] Step 2: Apologize sincerely

[04:00] Step 3: Make it right—even if it costs you

[05:00] Step 4: When to take the financial loss (and why it pays off later)

[06:30] How owning your mistakes wins trust (and future deals)

Follow Rich Lennon here:
Website: https://richlennon.com/
Facebook: https://www.facebook.com/rich.lennon.121
Instagram: https://www.instagram.com/richlennon92/

Think you’re making smart money moves just because your portfolio looks good on paper? What if the real number that matters is one you’ve never even considered?

In this episode, Rich Lennon introduces a powerful yet overlooked concept: Return on Wealth. He walks you through how he discovered this calculation during the pandemic, why it changed his entire investment strategy, and how just one shift helped him grow his wealth more effectively and efficiently. Whether you're sitting on equity or stuck in low-performing assets, this episode gives you a new lens to evaluate your money.

You’ll Learn How To:
 • Understand what Return on Wealth means and why it matters more than ROI
 • Calculate your wealth and spot where it’s underperforming
 • Balance your portfolio for faster long-term growth
 • Use fractionalized notes to create better returns with less friction
 • Make simple strategy shifts that could 3x or 6x your results over a decade

Who This Episode Is For:
 • Investors with equity tied up in real estate or low-return assets
 • Entrepreneurs looking to grow their money more efficiently
 • Anyone serious about long-term wealth building, not just short-term wins

Why You Should Listen:
 Most people focus on returns from individual investments, but they overlook the broader perspective. This episode breaks down how reallocating just a portion of your wealth can lead to massive long-term gains. Rich doesn’t just talk theory, he shows the actual numbers, the before-and-after strategies, and how anyone can apply this thinking today. You’ll leave with a new perspective on your money and a clear path to multiplying your wealth without needing to work harder.

What You’ll Learn in This Episode:
 [00:00] Why Return on Wealth might be the most important number you’re not tracking
 [01:00] The traditional investment metrics (and what they miss)
 [02:00] Rich’s original wealth breakdown and what wasn’t working
 [04:00] What changed when he shifted money into fractionalized notes
 [06:00] The new portfolio strategy that led to 6x growth
 [08:00] What this means for anyone with $1M, $2M, or more in assets
 [09:00] How you can get started with smarter wealth moves today

Follow Rich Lennon here:
Website: https://richlennon.com/
Facebook: https://www.facebook.com/rich.lennon.121
Instagram: https://www.instagram.com/richlennon92/

Ever trusted the bank to handle your money, only to find out they completely messed it up? That’s precisely what happened to Rich Lennon.

In this episode, Rich shares the #1 mistake people make with banks: assuming they’ll get it right. He walks through a real story where a simple wire transfer turned into a mess because no one followed through and no one cared. From fat-fingered account numbers to days of silence, this is a wake-up call to take full responsibility for your money, no matter who you hire to help. If you’ve ever felt let down by a bank, this one’s for you. Listen in and learn how to avoid the simple mistakes that cost Rich time, money, and peace of mind.

You’ll Learn How To:

• Stay in control when banks or professionals make mistakes
• Track your wire transfers and avoid “dead air” weekends
• Handle missed payoffs and follow up the right way
• Communicate clearly with banks to speed things up
• Take ownership of your money (even when others are involved)

Who This Episode Is For:

• Entrepreneurs and investors who move large sums of money
• People are tired of banks making careless errors
• Anyone learning to take complete control of their finances

Why You Should Listen:

Most people assume the bank will get it right. But what happens when they don’t and it costs you big time? Rich’s story is more than just a rant—it’s a clear reminder that when your money’s involved, no one will care more than you. You’ll walk away feeling more empowered, more alert, and way less likely to let someone else fumble your finances. If you’ve got money in motion, this is an episode you don’t want to miss.

Most people assume the bank will get it right. But what happens when they don’t—and it costs you big time? Rich’s story is more than just a vent session. It’s a clear reminder that when your money’s involved, no one will care more than you. You’ll walk away feeling more alert, empowered, and ready to take control of your finances.

What You’ll Learn in This Episode:

[00:00] A banking screw-up that left Rich furious and out of pocket

[01:00] What went wrong with the two wire transfers

[03:00] The bank's errors and how they handled them

[05:00] What Rich learned (and why he’s switching things up)

[07:00] Another payoff mess and how to protect yourself

[09:00] Why blockchain and self-responsibility matter more than ever

Follow Rich Lennon here:
Website: https://richlennon.com/
Facebook: https://www.facebook.com/rich.lennon.121
Instagram: https://www.instagram.com/richlennon92/

What if I told you that some lenders are quietly stacking hidden costs into your loan payoff, and it’s happening more than you think?

In this episode, Rich Lennon uncovers what most borrowers miss when signing loan agreements. He shares real stories, clear explanations, and practical ways to protect yourself from shady (or just sloppy) lending practices. Rich also breaks down how cash flows during a deal, why some lenders send you less money than promised, and how a simple misunderstanding could cost you thousands. If you’ve ever borrowed money, are in the middle of a loan, or plan to do it in the future, this is one episode you’ll want to save and share.

You’ll Learn How To:

• Understand why charging interest on penalties is illegal in most states
• Spot red flags in loan documents before they cost you
• Handle payoff statements with clarity and confidence
• Ask the right questions when your funding amount looks short
• Track cash flow cleanly during closings and renovations

Who This Episode Is For:

• Borrowers dealing with confusing loan terms
• Real estate investors using private or hard money
• Anyone who wants to avoid costly lending mistakes

Why You Should Listen:

There are smart, ethical lenders out there, but not everyone plays by the rules. This episode gives you the tools to protect yourself from common (and costly) mistakes borrowers make simply because they didn’t know better. After listening, you’ll feel more in control, better informed, and less likely to be blindsided when it’s time to pay off a loan. 

What You’ll Learn in This Episode:

[00:00] The mistake lenders make that could double your payoff amount
[01:00] How penalties and interest should really work (and what’s illegal)
[04:00] What to do if you see inflated charges in your payoff
[05:00] Why do some lenders reduce the loan amount they give you upfront
[06:00] How to manage the money flow in a renovation or fractional note
[08:00] Rich’s exact process for handling loans from start to finish

Follow Rich Lennon here:
Website: https://richlennon.com/
Facebook: https://www.facebook.com/rich.lennon.121
Instagram: https://www.instagram.com/richlennon92/

Ever posted something online and thought, “This is wild, but let’s see what happens?" That’s exactly what Rich Lennon did when he casually asked for $500,000 on Facebook. What followed wasn’t just surprising, it revealed some powerful truths about trust, money, and how this business works behind the scenes.

In this episode, Rich Lennon unpacks the story behind the post, the unexpected reactions he got, and the lessons every lender or investor needs to hear. Whether you’ve got money on the streets or you’re just starting, this one’s packed with real talk and sharp takeaways. Want to dig deeper into the world of private lending? Join our lending group and get the inside scoop on deals, structure, and community.

You’ll Learn How To:

•  Handle big money asks the right way
•  Protect your relationships with your lending partners
•  Recognize when it's smarter to self-fund a deal
•  Spot red flags before taking on new money
•  Build trust with “lazy money” so they keep reinvesting with you

Who This Episode Is For:

•  Private lenders who want to build long-term trust and returns
•  Real estate investors navigating tricky money conversations
•  Newbies in the lending space who want to learn from real-world stories

Why You Should Listen:

This isn’t a theory-based episode. It’s a real, unfiltered moment in Rich Lennon’s lending life. You’ll walk away with a better sense of how to navigate financial curveballs, manage investor relationships with integrity, and make smart calls under pressure.

What You’ll Learn in This Episode:

[00:00] Why Rich posted a $500K ask on Facebook

[01:00] The backstory of the million-dollar deal and the urgent phone call

[03:00] How to respond when an investor wants their money back—fast

[04:30] Why short responses signal serious money

[05:00] The importance of history and trust in high-stakes lending

[06:00] Why Rich turned down new money—even when people were offering

[08:00] Lessons on self-funding, investor protection, and slowing down

Follow Rich Lennon here:
Website: https://richlennon.com/
Facebook: https://www.facebook.com/rich.lennon.121
Instagram: https://www.instagram.com/richlennon92/

What do you do when your borrower won’t sell the house, won’t pay you back, and still thinks the market is on their side? Sometimes, being a good lender means being the adult in the room. In a market that's slowing down and stretching timelines, waiting things out could cost you big.

In this episode, Rich Lennon shares real stories from his lending portfolio situations where he had to step in, speak up, and protect his capital. If you’re a lender watching projects stall, this episode will show you how to take control.

You’ll Learn How To:

• Spot the warning signs that your borrower is stalling 
• Use shorter note terms to stay in control and reduce risk
• Have respectful but firm conversations when things go sideways
• Avoid emotional decision-making and protect your bottom line
• Coach flippers and landlords through tough market decisions
  
  
  

Who This Episode Is For:

• Private lenders are feeling nervous about long timelines or market shifts
• Anyone holding notes that are starting to stretch past their due date
• Real estate investors who want to lend smarter and stay ahead of the curve
  
  

Why You Should Listen:

When the market tightens, borrowers often hesitate, but hesitation costs money. This episode will give you real-world examples and the mindset you need to navigate tricky lending situations confidently and professionally. You’ll walk away knowing how to protect your capital without damaging relationships.

What You’ll Learn in This Episode:

[00:00] Why lenders must step up when things get messy
[01:00] The chaos in today’s market and how to use it to your advantage
[03:00] Real borrower example: Holding out for 10K cost him way more
[06:00] What to say when borrowers stall or misuse funds
[08:00] The case for being firm and how to do it respectfully
[10:00] Reminding borrowers what it’s costing them to wait
[11:00] Why now’s the time to review your lending portfolio

Follow Rich Lennon here:
Website: https://richlennon.com/
Facebook: https://www.facebook.com/rich.lennon.121
Instagram: https://www.instagram.com/richlennon92/

What happens to everything you’ve worked so hard for when you’re gone? It’s not the happiest thing to think about, but if you’ve built even a modest amount of wealth, the truth is: ignoring this could cause your family more pain, stress, and conflict than you realize.

In this episode, Rich Lennon shares the *real* reason every investor (or future investor) needs a revocable living trust. It’s not about being rich, it’s about being responsible. He breaks down what a trust is, how it works, and why it’s one of the most powerful ways to protect your family and your legacy. Want to do right by the people you love? This is the episode to listen to.

You’ll Learn How To:

• Understand what a revocable living trust is
• Avoid probate and keep your financial life private
• Make sure your assets go to the right people, without drama
• Save your loved one's time, money, and stress when you’re gone
• Set up a trust, and what does it actually cost to do it right

Who This Episode Is For:

• Anyone who’s started to build wealth and wants to protect it
• Real estate investors who haven’t set up their estate plan yet
• Parents who want to make sure their kids are taken care of, no matter what

Why You Should Listen:

A will isn’t enough. And too many good people leave behind a mess simply because they didn’t know better. Rich Lennon unpacks what he’s learned over the years of building wealth and losing friends too soon, so you can take action now, not later. Walk away with peace of mind and a clear next step.

What You’ll Learn in This Episode:

[00:00] The story that changed how Rich Lennon thinks about legacy

[01:00] Why wealth isn’t just a blessing, it’s a responsibility

[03:00] The one document that makes all the difference

[05:00] What a trust actually does (and why a will isn’t enough)

[07:00] What it costs, how long it takes, and why it’s worth it

[09:00] Final thoughts and how to get started today

Follow Rich Lennon here:
Website: https://richlennon.com/
Facebook: https://www.facebook.com/rich.lennon.121
Instagram: https://www.instagram.com/richlennon92/

Think lending money is the fastest path to building wealth? It can be, but only if you do it the right way. Every week, people lose tens of thousands of dollars simply because they lack the necessary paperwork, structure, or support. And after hearing from two more people who were taken advantage of, Rich Lennon knew it was time to speak up.

In this episode, wealth strategist and private lending expert Rich Lennon reveals why lending can be one of the fastest and safest ways to build long-term wealth, provided it is done properly. He breaks down the exact steps to protect yourself, structure deals the right way, and avoid the costly mistakes that wipe out investors. If you’re sitting on idle cash or looking for a more secure way to grow your money, this episode shows you how to do it through lending and doing it the right way, so you don’t get taken advantage of.

You’ll Learn How To:

• Avoid the most common mistakes new lenders make
• Understand what “first position” means and why it matters
• Use the right documents to protect yourself and your money
• Fractionalize investments to boost returns and reduce risk
• Plug into a trusted community with education, support, and group calls
  
  

Who This Episode Is For:

• People with extra cash who want it to grow (without guessing)
• Investors who’ve been burned before and want to do it right next time
• Anyone looking for a smarter, safer path to financial freedom
  
  

Why You Should Listen:
This episode can save you from losing tens of thousands of dollars literally. Rich shares real stories of what not to do, then walks you through a system that’s helping people like you succeed. If you want to build wealth the right way, this is the kind of episode that makes a real difference.

What You’ll Learn in This Episode:
[00:00] – Why Rich felt the urgent need to speak up after two people lost big
[01:00] – What he's learned from working with 1-on-1 clients and building a beta group
[02:40] – Why he's reopening the group and what it's designed to teach
[04:00] – What private lending really looks like, and how to do it safely
[05:15] – The importance of doing first-position loans (and what that even means)
[06:00] – The power of group calls, community, and getting your questions answered
[07:11] – How to stay safe from hackers and protect your payoffs
[08:12] – Where to get started: Download the Smarter Wealth Blueprint

Follow Rich Lennon here:
Website: https://richlennon.com/
Facebook: https://www.facebook.com/rich.lennon.121
Instagram: https://www.instagram.com/richlennon92/

What happens when your lending partner takes everything and leaves you with nothing? In this episode, Rich Lennon breaks down a real deal gone wrong involving a private lender who brought in a partner for a $20,000 second-position loan and ultimately wiped them out during foreclosure. The borrower never worked on the property, and the first-position lender foreclosed, recouping their full amount while leaving their partner with nothing. 

Rich emphasizes the moral responsibility of those who structure deals, especially when using other people's money (OPM), and highlights how mistakes in loan structure, foreclosure sequence, and partner communication can permanently damage reputations and tax-advantaged accounts, such as self-directed IRAs.

You’ll Learn How To:

• Evaluate the real risks of second-position lending
• Structure deals to protect your partners and reputation
• Make ethically sound decisions even when legally protected
• Use foreclosures correctly to avoid harming others

What You’ll Learn in This Episode:

• 01:16 – 01:38- What second position exposes investors to
• 01:41 – 02:23- If you’re putting the deal together, take responsibility
• 03:32 – 04:15- How the first position foreclosure can be morally wrong
• 04:20 – 06:13- Why foreclosing from the second can protect everyone
• 06:57 – 07:37- The IRA trap: tax-free, now value-free
• 08:02 – 08:32- Why legal action is rarely feasible for small loans
• 09:02 – 09:44- Moral consequences of using OPM irresponsibly

Who This Episode is For:

• Private money lenders using self-directed IRAs
• New investors partnering on real estate loans
• Experienced lenders lending in the second position
• Anyone considering using OPM (Other People’s Money)
   

Why You Should Listen:

This episode challenges conventional thinking on deal-making ethics, exposing how legal doesn't always mean right. If you want to build a sustainable lending business that protects partners, reputation, and returns, this is essential listening.

Follow Rich Lennon here:

Website: https://richlennon.com/

Facebook: https://www.facebook.com/rich.lennon.121

Instagram: https://www.instagram.com/richlennon92/

Is $10K enough to earn 30–50% returns in private lending? Many new investors hope so, but Rich Lennon reveals why starting with too little could backfire ethically and financially. In this episode, he breaks down the real cost to lend responsibly, the two rules that matter most, and how to structure deals that protect your partners. If you're serious about private lending, this nine-minute masterclass will sharpen your thinking and strategy.

You’ll Learn How To:

• Evaluate first-position vs second-position loans
• Understand the true capital required to protect your partner and returns
• Avoid risky structures with imbalanced moral positioning
• Use fractional lending responsibly and ethically

What You’ll Learn in This Episode

• 00:04 – 00:21 How much do I need to start lending?
• 00:34 – 01:09 First position is non-negotiable (Rule #1).
• 01:16 – 02:29 Median home price determines lending base
• 02:36 – 02:49 Fractional lending done right with real numbers
• 03:42 – 05:08 Lazy money shouldn’t take first losses
• 05:18 – 05:58 Bad practices in payment structure flagged
• 06:22 – 08:16 How much skin is enough? (Rule #2)
• 08:28 – 09:08 Payments, protection, and partner-first structures

Who This Episode is For:

• New private lenders evaluating initial deal structures
• Passive investors seeking to partner in loan deals
• Real estate entrepreneurs exploring lending as a strategy
• Ethical investors who care about partner protection

Why You Should Listen:

Rich Lennon doesn’t sugarcoat it. This episode reveals exactly how much capital you need to safely earn high returns — and the two critical rules that make or break deals. It’s not just about how much money you bring, but how you protect your partners while earning those high yields.

Follow Rich Lennon here:

Website: https://richlennon.com/

Facebook: https://www.facebook.com/rich.lennon.121

Instagram: https://www.instagram.com/richlennon92/