✅ Overview:

In this powerful and heartfelt episode of the Generations of Wealth Podcast, host Derek Dombeck sits down with Camille Scott-Wiles, a former ICU nurse who turned financial strategist, author, and educator. Camille shares her deeply personal journey through family tragedy, frontline healthcare, and financial uncertainty—leading her to early retirement at 42 by leveraging precious metals, IULs, and advanced wealth strategies.

Her unique take on life insurance as a wealth-building tool, along with her insights on precious metals, mindset, legacy planning, and financial literacy for kids, makes this episode a must-listen for anyone serious about protecting and growing their wealth.

🔑 Key Takeaways:

• Why Camille left a 13-year nursing career to pursue financial services.

• How losing both parents 19 hours apart changed her life and fueled her purpose.

• The power of IULs (Indexed Universal Life) in tax-free wealth-building and legacy planning.

• Why precious metals like gold and silver are foundational assets for stability.

• Strategies to avoid third-party risk, including trusts, private holdings, and non-taxable borrowing.

• How Camille educates families, business owners, and even children with her 12 published books.

• Why she believes community and adaptation are essential in today’s changing economy.

🎧 Why You Should Listen:

This episode offers a fresh and inspiring take on what it truly means to build generational wealth—not just financially, but emotionally and purposefully. If you're a real estate investor, business owner, retiree, or someone exploring alternative wealth vehicles, Camille’s story and strategies can help you think bigger and protect your future with purpose.

📌 Relevant Topics Discussed:

• IULs & IRS Code 7702-A

• Precious Metals Investing (Gold, Silver, Platinum)

• Financial Independence Number (FIT)

• Trust & Estate Planning

• Retirement without 401Ks

• Financial Literacy for Kids

• Economic Trends, Inflation, and Cryptocurrency

• AI, Grant Writing, and Business Structuring for Entrepreneurs

⏱️ Timestamps

00:00 – Derek introduces Camille Scott-Wiles   02:10 – Camille’s background: from real estate to nursing   06:00 – Losing both parents to cancer 19 hours apart   08:40 – Transitioning from ICU to financial services   11:00 – Camille’s foundation: Precious Metals & Gold   14:00 – IULs explained – privacy, power, and protection   18:00 – Why infinite banking is misunderstood   20:40 – Overfunding policies and what banks don’t tell you   23:30 – Investing IUL loans into precious metals   27:00 – Gold vs. Silver – hidden opportunities   31:00 – Real risks in crypto and economic systems   34:30 – How Camille helps clients build bulletproof portfolios   38:00 – Creating a living trust and will (for free!)   41:00 – Camille’s 12 books, courses, and financial literacy for kids   44:00 – Camille’s advice: adapt, get skilled, and build community   45:30 – Closing thoughts + where to connect with Camille  

#GenerationsOfWealth #FinancialFreedom #CamilleScottWiles #IULStrategy #GoldAndSilver #EarlyRetirement #WealthBuilding #InfiniteBanking #LifeInsuranceWealth #WomenInFinance #FinancialLiteracy #PreciousMetals #LegacyPlanning #EntrepreneurMindset #RealEstateInvesting #CryptoRisks #MindsetMatters #NurseToInvestor

🎧 Overview

In this powerful episode of the Generations of Wealth Podcast, host Derek Dombeck sits down with Mike Zlotnik, also known as "Big Mike," to unpack the realities of fund management, real estate market cycles, and investment strategy. From dissecting debt vs. equity funds to analyzing when and why to invest in down markets, this episode delivers both technical insights and philosophical wisdom for investors and fund managers alike.

🧠 Key Takeaways

• The importance of timing and market cycles when raising capital and deploying funds.

• How to structure and manage a real estate investment fund, including legal considerations.

• The difference between REITs and private funds, and how investors can benefit from depreciation and tax strategies.

• Why investor communication is key to long-term trust and capital growth.

• Mike's view: Now is the time to act, not sit on the sidelines — “Courage means acting despite fear.”

🎯 Why You Should Listen

• You’ll learn how to build and manage a real estate fund — from someone who’s been doing it successfully for over a decade.

• You'll hear real-life stories about negotiating creative deals, even when markets seem frozen.

• You’ll gain confidence to take action in uncertain markets with real-world logic behind the advice.

• If you're considering raising capital, starting a fund, or investing passively, this is your blueprint episode.

📚 Relevant Topics Discussed

• Market cycles & timing

• Passive vs. active investing

• Starting and structuring a fund (506B vs 506C)

• Private credit vs equity funds

• Risk assessment in real estate

• Tax benefits through funds (bonus depreciation, SDIRA)

• Communication & investor relations

• Warren Buffett’s mindset in downturns

• Courage in capital deployment

⏱️ Time Stamps 

• 00:00–02:00 — Intro and Mike Zlotnik's background

• 02:00–10:00 — Understanding market cycles & sector-specific trends

• 10:00–16:00 — Creative deals in down markets and opportunity spotting

• 16:00–22:00 — Fund structures: debt vs equity, REITs vs private funds

• 22:00–27:00 — Fund compliance, 506B vs 506C, investor communication

• 27:00–30:00 — Why act now? Market dislocation and value opportunities

• 30:00–32:00 — Final thoughts: learning, books, mindset

 

#RealEstateInvesting #FundManagement #CreativeDeals #PassiveIncome #MarketCycles #CapitalRaising #PrivateEquity #WealthBuilding #RealEstateFunds #FinancialFreedom #GenerationsOfWealth #BigMikePodcast #DerekDombeck #InvestorMindset

📝 Overview:

In this value-packed episode of the Generations of Wealth podcast, host Derek Dombeck interviews Peter Russell, a seasoned real estate wholesaler and founder of a nationwide transactional funding company. They dive deep into the evolution of wholesaling, the impact of shifting laws, and the critical role of transactional funding in today’s market. Listeners gain firsthand insights into how Peter scaled his business, navigates legal changes, and keeps the process smooth for investors and title companies alike.

💡 Key Takeaways:

• Wholesaling Evolution: Peter went from bandit signs to multi-state operations, then transitioned into funding.

• Transactional Funding Explained: A same-day, double-closing method that helps wholesalers protect profits and remain compliant.

• Why Wholesalers Need Double Closings: Large assignment fees and legal restrictions are making it essential.

• The Legal Landscape: Anti-wholesaling legislation is growing—knowledge and adaptation are key.

• Operational Excellence: Clear communication and efficient systems are the backbone of a successful funding company.

• Low-Risk Lending: Transactional funding offers minimal risk when done right—Peter outlines his secure process.

🎧 Why Should You Listen?

If you're a wholesaler, flipper, or real estate investor navigating the post-2020 market, this episode is essential. You'll learn how to:

• Avoid common wholesaling pitfalls.

• Stay compliant amid tightening regulations.

• Close more deals using double closings.

• Understand the real process behind transactional funding.

• Hear straight talk from someone who’s done 200+ deals in 18 months.

🗂️ Relevant Topics Discussed:

• Real estate wholesaling journey

• Double closings & transactional funding

• Legal changes in wholesaling (e.g., North Carolina, Illinois, Ohio)

• Protecting profit margins through deal structure

• Scaling a lean business

• Title company challenges & best practices

• Earnest Money Deposits (EMD) funding

• Sales and negotiation skills in real estate

⏱️ Timestamps Guide          Time                                    Topic 00:00 – 02:30    Intro to Peter Russell & episode theme 02:30 – 07:00    Peter’s real estate journey & early wholesaling 07:00 – 12:30    Discovering double closings through institutional buyers 12:30 – 17:30    Creating a better transactional funding experience 17:30 – 21:00    Scaling the business lean with a strong team 21:00 – 26:00    Wholesaling legislation changes & their impact 26:00 – 30:30    Transactional funding logistics and safety 30:30 – 34:00    Title company coordination & minimizing risk 34:00 – 38:30    Common wholesaler issues & how Peter helps 38:30 – 40:00    Contact info, EMD funding preview & closing remarks

 

#RealEstatePodcast #WholesalingRealEstate #TransactionalFunding #DoubleClosing #PeterRussell #DerekDombeck #GenerationsOfWealth #RealEstateFunding #RealEstateInvesting #WholesalerLife #PropertyDeals #InvestorTips #ClosingDeals #RealEstateSuccess #REI

🎙️ Podcast Episode Overview

Title: 🟢 The Hidden Market: How Tony Youngs Finds Real Estate Gold Where No One Looks

Overview: In this episode of the Generations of Wealth podcast, Derek Dombeck sits down with veteran real estate investor Tony Youngs, who shares the story of how he got started in real estate in the 1980s — from buying his first foreclosure with no money or credit to building a career around uncovering “hidden market” deals. Tony emphasizes the power of direct communication, creative deal structuring, and going the extra mile to solve seller problems — even when that means driving a U-Haul across state lines.

Whether you're a new investor or a seasoned pro, this episode is packed with practical wisdom on how to find deals others miss — and why the human element in real estate is still the most powerful tool.

✅ Key Takeaways

• Tony’s First Deal: A raw, honest story of how he stumbled into his first foreclosure deal without any experience or money — and made a year’s salary in one transaction.

• The Power of Door Knocking: Tony attributes decades of success to door knocking — a forgotten but incredibly effective lead generation method.

• The Hidden Market Strategy: Why the best deals are never listed — and how to find them by targeting homes without pride of ownership.

• Creative Deal Structuring: Learn how Tony uses subject-to financing, owner financing, and dual offers to close deals that others walk away from.

• Solving Real Problems: Building trust by going above and beyond — from mowing lawns to helping heirs with probate to organizing moving trucks.

• Why You Don’t Need to Fear Market Shifts: Tony shares how he made more money during the 2008 crash than any other time — because he was ready.

🎧 Why Should You Listen?

If you're:

• Tired of calling lists and competing with every investor in town...

• Unsure how to find deals in today’s tightening market...

• Curious how to actually help sellers and stand out from the crowd...

• Ready to learn proven strategies from someone with 35+ years of trenches experience...

Then this episode will shift your mindset and give you actionable strategies to go after deals that nobody else is touching.

🧠 Relevant Topics Discussed

• Tony's first foreclosure and creative financing experience

• Evolution of real estate education (from cassette tapes to YouTube)

• Door-knocking strategies and neighborhood intelligence

• Understanding emotional seller situations (probate, inheritance, etc.)

• Building trust and solving real seller problems

• Current market conditions and inventory trends in 2025

• How to win deals despite hedge fund competition

⏱️ Time Stamps       Time                                                        Topic 00:00 – 03:00    Introduction to Tony Youngs & early real estate beginnings 03:00 – 10:30    Tony’s first deal — full breakdown of how he made $50K with no credit 10:30 – 16:00    Door-knocking lessons and early fears 16:00 – 21:00    The Alaska door-knocking story and lessons on profiling 21:00 – 26:00    Creating security & trust through neighbor engagement 26:00 – 31:00    What works in 2025 – market observations and changes 31:00 – 37:00    Creative financing techniques and real probate stories 37:00 – 41:00    Why solving people’s problems wins the deal 41:00 – 44:00    Market predictions and closing thoughts  

#GenerationsOfWealthPodcast #RealEstateInvesting #HiddenMarketDeals #TonyYoungs #DoorKnockingDeals #CreativeFinancing #ForeclosureDeals #NoMoneyNoCredit #SolveProblemsCloseDeals #EliteNegotiator #ProbateRealEstate #SubjectTo #OwnerFinancing #OffMarketDeals #2025RealEstate

🎙️ Podcast Overview

Title: Raising Private Money Without Banks with Jay Conner Host: Derek Dombeck (Generations of Wealth Podcast) Guest: Jay Conner (Author, Speaker, Host of Raising Private Money Podcast) Duration: ~40 minutes

Summary: In this episode, Derek sits down with Jay Conner to unpack the art of raising private money for real estate without using banks or institutional lenders. Jay shares his journey from depending on traditional financing to mastering private money strategies since 2009. Together, they walk listeners through mindset shifts, finding and educating lenders, and even turning dead leads into funding opportunities.

✅ Key Takeaways

• Private Money is Relationship-Based: Most funding can come from your existing warm market—people you already know, including friends, family, church members, or business connections.

• You Are the Underwriter: As a borrower using private money, you control the terms—interest rates, LTV, payback terms, and more.

• Teach, Don’t Pitch: Jay emphasizes educating potential lenders instead of chasing them.

• Where to Find Lenders: 3 key sources—your warm market, expanded network (BNI, REIAs), and existing private lenders from SDIRA (self-directed IRA) groups.

• No Banks, No Credit Checks: Jay hasn’t signed personal guarantees or credit checks in over 500 deals. Deals are secured with the property.

• Dead Leads = Funding Opportunities: Sellers who don’t sell can still become private lenders post-sale.

• 8% Interest Works in All Markets: Jay has been paying a steady 8% since 2009, despite rising bank rates.

• Bring Home Cash at Closing: By borrowing up to 75% of ARV, investors can pocket excess capital for rehab and operational costs.

• Minimal Paperwork, Maximum Simplicity: Only key documents like HUD, promissory note, deed of trust/mortgage, and insurance.

🎯 Why Should You Listen?

• Learn how to secure unlimited private capital for real estate—without begging banks.

• Understand why educating potential lenders builds trust and control.

• Discover how to convert seller leads into capital sources.

• Get insider tips on closing faster, avoiding credit checks, and scaling without institutional financing.

Topic Time Intro & Shared History 0:00 – 3:45 How Jay Started Using Private Money 3:46 – 8:30 Teaching Instead of Pitching 8:31 – 12:00 3 Types of Lender Sources 12:01 – 18:00 Jay's BNI Strategy 18:01 – 20:30 Turning Dead Leads into Lenders 20:31 – 22:00 Why Private Money Beats Bank Money 22:01 – 27:30 Bringing Home a Check at Closing (Example) 27:31 – 31:00 No PGs, No Credit Checks 31:01 – 33:30 Simple Paperwork Setup 33:31 – 36:30 Jay’s Book & Bonus Tickets 36:31 – 38:30 Final Thoughts & Podcast Plug 38:31 – End

 

#PrivateMoney #RealEstateInvesting #DerekDombeck #JayConner #GenerationsOfWealth #RaisingPrivateCapital #NoBankFinancing #PassiveIncome #FinancialFreedom #RealEstateTips #CreativeFinancing #BNI #SDIRA #RealEstatePodcast

📌 Overview:

In this powerful and eye-opening episode, Derek Dombeck sits down with Carlos Samaniego, a former medic-turned-enrolled agent who helps individuals and small business owners resolve their most stressful tax problems. From his own 8-year battle with the IRS to starting Tax Debt Consultants with his wife, Carlos shares raw, inspiring insights and busts myths about dealing with Uncle Sam. Whether you're behind on your taxes or know someone who is, this episode is a must-listen.

✅ Key Takeaways:

1. Carlos’ Backstory: How bad financial advice led to 8 years of unfiled taxes — and how it almost ruined his life.

2. The IRS Isn’t Out to Get You: Understanding the IRS’s actual goal: resolution, not destruction.

3. How to Legally Fight Back: The 4 main solutions for resolving tax debt: Installment Agreement, Offer in Compromise, Currently Not Collectible, Partial Pay.

4. IRS Myths Debunked: No, the IRS doesn’t want your house. Yes, they care about your financial reality.

5. Why You Should Always File, Even if You Can’t Pay: Not filing is worse than owing.

6. How to Know If You Qualify for a Settlement: The truth behind “Fresh Start” ads.

7. Step-by-Step Resolution Plan: Carlos’ 3-phase system—Investigate, Comply, Resolve.

8. Bankruptcy & Tax Debt: Yes, in some cases, IRS debt can be discharged in bankruptcy.

🎯 Why Should You Listen:

• You're behind on taxes or know someone who is.

• You’re a real estate investor, small business owner, or entrepreneur confused about IRS processes.

• You want honest, clear, and expert guidance on dealing with tax issues without getting scammed.

• You enjoy stories of redemption, perseverance, and heart-centered service.

🧠 Relevant Topics Discussed:

• IRS myths and realities

• Personal story of overcoming $100K+ tax debt

• How the IRS evaluates ability to pay

• The danger of tax resolution scams

• The real rules behind Offers in Compromise (Fresh Start)

• What states like California can legally do

• Penalties, interest, and how to manage them

• How unfiled tax returns compound problems

• Bankruptcy as a last resort for tax debt

• Importance of professional representation

⏱ Time Stamps (1-Hour Podcast): Time                               Segment 00:00–04:00    Intro by Derek + Carlos’ background 04:01–13:00    Carlos’ personal IRS horror story – 8 years of unfiled returns 13:01–20:00    Turning point, meeting “Ernie,” and getting help 20:01–26:00    Becoming an enrolled agent and building Tax Debt Consultants 26:01–35:00    Misconceptions about the IRS and how agents like Carlos help 35:01–45:00    IRS repayment options explained in detail 45:01–52:00    State vs. Federal tax debt strategies 52:01–58:00    Carlos’ 3-phase approach (Investigate, Comply, Resolve) 58:01–60:00    Final words, podcast plug, book offer, and Derek’s wrap-up  

#IRSHelp #TaxDebtRelief #CarlosSamaniego #EnrolledAgent #RealEstateTaxes #IRSMyths #TaxResolution #OfferInCompromise #SmallBusinessFinance #GenerationsOfWealth #TaxHelp #FinancialFreedom #DerekDombeck #BackTaxes #TaxScams #EntrepreneurTips #TaxPlanning #FinancialRescue

🎙️ Overview:

In this inspiring episode, Derek Dombeck welcomes real estate investor and philanthropist Brandon Richards, who shares his 10-year journey through various real estate strategies, including land investing, notes, and creative finance. The conversation dives into not only Brandon’s real estate success but also his impactful nonprofit work in Nigeria and Peru, proving that business can be a vehicle for true purpose.

✅ Key Takeaways:

• Land + Notes = Freedom: Brandon primarily invests in land and sells it using seller-financed notes. This hybrid model provides passive income and long-term control.

• Wrap Financing in Practice: He explains in detail how he uses wrap-around mortgages to arbitrage between lender rates and buyer payments.

• Private Money Wisdom: Brandon secures capital from private lenders using IRAs and offers double-digit returns with secured assets.

• Choosing the Right Land: Focus on recreational/residential land near lakes, mountains, and national parks that appeals to “staycation” buyers.

• Scaling with Systems: Brandon uses VAs, a custom CRM (Deal Manager Pro), and automation to efficiently manage leads and follow-ups.

• Nonprofit Work — Operation Freedom: Brandon and his wife fund and manage well-digging projects and medical outreaches in Nigeria, impacting tens of thousands of lives.

🎧 Why Should You Listen?

This episode is essential listening for:

• Investors curious about land flipping and seller-financed notes.

• Anyone looking for alternative funding sources (private money, wraps, IRAs).

• Entrepreneurs who want to build businesses with purpose and impact.

• Real estate professionals exploring passive income and automation.

• People who believe in using success as a platform for giving back.

📌 Relevant Topics Discussed:

1. Land investing & seller financing – how Brandon structures land deals with notes and wraps.

2. Private lending & investor relations – funding deals without banks.

3. Foreclosure laws & risk mitigation – important legal angles in different states.

4. Deal Manager Pro CRM – Brandon’s software designed for real estate investors.

5. Nonprofit work – Creating Operation Freedom to dig wells and support orphans in Nigeria and Peru.

6. Creative finance strategies – lease options, subject-to, participating notes, and more.

⏱️ Time Stamp Highlights (47 min episode)

• 00:01 – 04:30 — Introduction & Brandon's background

• 05:00 – 12:30 — Land investing, notes, and wrap financing

• 13:00 – 20:00 — Raising private money, deal structures, ROI for investors

• 21:00 – 26:30 — Recreational land niche, market targeting strategy

• 27:00 – 34:00 — Disposition side, interest rates, usury laws, and risk handling

• 34:00 – 38:30 — Participating notes, creative finance, case examples

• 39:00 – 44:00 — Operation Freedom: digging wells, international impact

• 44:30 – 47:00 — Brandon’s CRM, upcoming free real estate course & book

#GenerationsOfWealth #BrandonRichards #LandInvesting #SellerFinancing #CreativeFinance #PrivateMoney #OperationFreedom #RealEstateNotes #PassiveIncome #RealEstateInvesting #NonprofitImpact #RealEstateCRM #FinancialFreedom #DealManagerPro #DerekDombeck

📘 Overview of the Episode:

In this episode, host Derek Dombeck interviews Lane Kawaoka, a former engineer turned real estate syndicator and the creator of the Wealth Elevator framework. Lane shares his journey from purchasing his first rental property while working a demanding job, to building a massive portfolio of over 10,000 multifamily units. He dives into how he transitioned from single-family investing to large-scale syndications, what to look for in deals, and why understanding your stage in the "wealth elevator" is crucial for long-term financial success.

🔑 Key Takeaways:

• Start small, but think long-term: Lane began with a single rental and scaled up over time using savings and intentional investing.

• Scalability matters: Owning multiple single-family rentals can become a headache. Larger syndications can offer more passive income and less chaos.

• Vet syndicators rigorously: Learn the underwriting basics and ask the right questions before investing.

• Know your floor in the Wealth Elevator: Your financial stage determines what strategy you should follow.

• Real estate isn't always sunshine: Lane and Derek discuss real-world losses and how learning through failure is part of the journey.

• Now is the time to look for value: Post-correction markets often bring the best opportunities if you’re prepared.

🎧 Why Should You Listen?

Whether you're new to real estate or an experienced investor, this episode offers rare insights into:

• The mindset shift needed to scale wealth

• Vetting deals and sponsors like a pro

• Strategies to protect and grow your assets as you ascend in net worth

• Real talk on market cycles and learning from downturns

You’ll also hear practical breakdowns of what it’s like to move from a W-2 job into full-time real estate investing and how to avoid common traps along the way.

📌 Relevant Topics Discussed:

• Lane’s early investing journey (SFH to duplexes)

• Long-distance turnkey rentals

• Transitioning into syndications

• Risks of managing multiple small rentals

• Underwriting tips for passive investors

• The Wealth Elevator framework (Basement to Penthouse)

• Dealing with market corrections

• Diversifying beyond real estate (private equity, life insurance)

• The realities of “passive” investing

⏱️ Suggested Time Stamps (44-minute podcast): Timestamp Segment 0:00 – 3:30 Introduction & Lane's background 3:30 – 10:00 First rental experiences & savings strategy 10:00 – 17:00 Scaling beyond SFH into out-of-state rentals 17:00 – 23:00 Transition into syndications & early mistakes 23:00 – 28:00 Vetting deals & assumptions in underwriting 28:00 – 34:00 Market corrections and building resilience 34:00 – 38:00 The Wealth Elevator explained (Basement to Penthouse) 38:00 – 41:00 Diversification & changing strategy at higher levels 41:00 – 44:00 Final thoughts, book info, and wrap-up   📚 Book Mentioned:

"The Wealth Elevator" by Lane Kawaoka [Available on Amazon. PDF/MP3 versions by email: [email protected]]

 

#RealEstateInvesting #WealthElevator #LaneKawaoka #PassiveIncome #SyndicationDeals #FinancialFreedom #AccreditedInvestor #GenerationsOfWealth #CommercialRealEstate #WealthBuilding #InvestSmart #FinancialIndependence #AlternativeInvestments #RealEstateJourney

🎙️ Podcast Summary

In this Podcast Episode 66, Derek Dombeck interviews mortgage expert Kevin Guttman. They explore Kevin’s journey from real estate upbringing to ministry work, and eventually into the mortgage industry. The core of the discussion centers around reverse mortgages—how they work, who they're for, and why they can be an overlooked but powerful financial tool. The two also dive into market trends, economic outlooks, and how investors can creatively use reverse mortgages to fund deals and generate wealth.

🔑 Key Takeaways

1. Reverse Mortgages Are Misunderstood Many people misunderstand or distrust reverse mortgages due to outdated or inaccurate information. Kevin clarifies that reverse mortgages are non-recourse, government-backed, and can be powerful tools for financial freedom in retirement.

2. Creative Deal Structuring for Investors Reverse mortgages can enable elderly homeowners to fund investments, including becoming private lenders, leveraging untapped equity in a tax-free way.

3. Economic Insights Both Derek and Kevin discuss current market fears, inflation, interest rates, and political policies that influence consumer confidence and housing trends.

4. Leverage and Wealth Building Homeownership leads to significantly higher net worth than renting. Tools like traditional and reverse mortgages help create generational wealth when used strategically.

5. Opportunities in Targeting Reverse Mortgage Holders Investors can find and market to people with reverse mortgages as potential lenders or partners, despite challenges in identifying available equity.

🎧 Why You Should Listen

This episode is a goldmine for:

• Real estate investors looking for creative funding strategies.

• Financial professionals who want to understand and advise on reverse mortgages.

• Homeowners aged 60+ considering options for retirement income.

• Anyone who’s been misinformed about what reverse mortgages actually are—and how they can be used.

You’ll walk away with real-world examples, strategies, and talking points you can apply or use to educate others.

📌 Topics Discussed

• Kevin Guttman’s background in real estate and ministry

• Surviving the 2008 housing crash

• The psychology of fear in financial decision-making

• Economic and political influences on mortgage trends

• Reverse mortgages explained: use cases, benefits, and misconceptions

• Using reverse mortgage equity for investment

• Long-term care funding via reverse mortgages

• Strategic targeting of homeowners with reverse mortgages

• Why every investor should understand reverse mortgage basics

Timestamps: 0:00 - 3:00    Kevin’s background: real estate roots and transition to mortgages 3:00 - 7:00    2008 housing crash and surviving the downturn 7:00 - 12:00    Economic outlook and interest rate predictions 12:00 - 16:00    Migration trends from blue to red states 16:00 - 20:00    Mortgages as leverage and wealth-building tools 20:00 - 25:00    Reverse mortgage overview and three primary uses 25:00 - 30:00    Advanced strategies, overfunding, and long-term care 30:00 - 33:00    How investors can find and work with reverse mortgage holders 33:00 - 35:42    Final thoughts, education resources, and closing comments

 

#ReverseMortgage #RealEstateInvesting #FinancialFreedom #MortgageStrategy #KevinGuttman #DerekDombeck #CreativeFinancing #RetirementPlanning #WealthBuilding #PassiveIncome #EliteNegotiationsAcademy #InvestSmarter #HousingMarket2025

🧠 Overview

In this powerful episode of The Generations of Wealth Podcast, Derek Dombeck sits down with seasoned investor and creative deal-structuring expert Brad Smotherman. Together, they dive into lessons learned from the 2010 foreclosure market, transitioning through market cycles, and how to ethically structure deals using subject-to, owner financing, and lease options. Brad opens up about building a virtual investing company, his personal growth journey, and the value of defining your life beyond the balance sheet.

💡 Key Takeaways

• The difference between a market crash and a return to normalcy

• Why negotiation and deal structure matter more than lead volume

• How to ethically approach subject-to and creative finance deals

• Scaling a virtual investing company across multiple states

• Moving from maximizer to optimizer: redefining success through time freedom

• The "teeter-totter" principle: price vs. terms in negotiations

🎯 Why You Should Listen

This episode is a masterclass in creative real estate investing—especially for those navigating a shifting market. Brad doesn’t just share what worked, he dives deep into why it worked, what to avoid legally and ethically, and how to build a sustainable business that supports your lifestyle goals. If you're a wholesaler, flipper, or landlord trying to sharpen your negotiation or scale virtually, this conversation is full of gold.

📚 Relevant Topics Discussed

• Subject-to deals and ethical considerations

• The importance of third-party closings over “kitchen table deals”

• Real estate market myths vs. facts (inventory levels, DOM)

• Owner financing strategies (including 0% interest examples)

• Building a digital marketing machine for motivated seller leads

• Structuring a business that supports personal values and family time

⏱️ Time Stamps 

• 00:00 – 01:45 — Derek’s introduction and Elite Negotiations Academy shoutout

• 01:46 – 06:20 — Brad’s origin story, real estate start during the foreclosure era

• 06:21 – 10:45 — Shifting markets and seller psychology today

• 10:46 – 14:00 — Creative financing and negotiating seller expectations

• 14:01 – 17:20 — Sub-to best practices and ethical pitfalls

• 17:21 – 20:00 — Options, retirement investing, and title company strategies

• 20:01 – 24:00 — Virtual investing: how Brad scaled nationally

• 24:01 – 27:30 — The real cost of marketing vs. value of negotiation

• 27:31 – 30:00 — Life after success: choosing time over money

• 30:01 – 31:00 — Closing thoughts and Derek’s final message

 

#CreativeRealEstate #RealEstatePodcast #NegotiationTraining #VirtualWholesaling   #SubjectToDeals #OwnerFinance #EliteNegotiationsAcademy #RealEstateInvestor   #GenerationsOfWealth #DerekDombeck #BradSmotherman #RealEstateStrategies   #LeadConversion #RealEstateEthics #FinancialFreedom