What happens when inflation outpaces income, and how can real estate investors adapt before the breaking point hits?

 

In this thought-provoking episode, Angel welcomes Rich Neuharth and Moses Lucero to explore the often-overlooked emotional and strategic aspects of underwriting in a volatile economic landscape. As inflation surges and affordability concerns loom, this conversation unpacks how mindset, data, and creativity intertwine when making investment decisions. Rich and Moses open up about their struggles with rejection, finding the right mentors, and reframing failure as a learning opportunity.

 

 

[00:01 - 04:00] When Prices Outpace Paychecks

• Why inflation is increasingly unsustainable for the average household.
• The importance of anticipating economic tipping points when underwriting deals.
• How investors might need to prepare for a shift toward shared housing and resource consolidation.

 

[04:01 - 08:46] Rents, Rates, and Reckonings

• What rent control discussions in red states signal about the changing political landscape.
• How rising interest rates historically trigger regulatory intervention and potential recessions.
• The significance of learning from past economic cycles like the Great Depression and 2008 crisis.

 

[08:47 - 12:13] When Numbers Feel Like a Wall

• Why financial literacy barriers often stem from mindset blocks, not ability.
• The need to recognize and confront personal narratives that limit learning.
• How connection with the right teacher can reignite passion for difficult topics.

 

[12:14 - 16:49] Resets, Rejections, and Reality Checks

• How to emotionally recover from rejection and continue calling, underwriting, or analyzing deals.
• The importance of taking a break to reset instead of internalizing repeated failure.
• Why even the most seasoned professionals question their worth—and how to move past it.

 

[16:20 - 20:56] Leveling Up Through Curiosity and Collaboration

• How underwriters "gear up" by finding hidden value in overlooked properties.
• Why passion, community, and creativity are crucial tools for value investors.
• The significance of recognizing shared struggles, even when operating in different lanes of a business.

 

 

Connect with Rich:

 

https://www.linkedin.com/in/realmindsetrich

 

Connect with Moses:

 

https://www.linkedin.com/in/moses-lucero-9026b220b/

 

 

Key Quotes:

 

“It's not how much you are learning, it's about who you're learning it from.” - Moses Lucero

 

“You’re going to die and get kicked off the horse more times than you’re gonna win—but let me tell you, the wins are real good.” - Rich Neuharth

 

 

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