The Millionaire Choice Podcast with Tony Bradshaw

On this episode of The Millionaire Choice, Tony Bradshaw talks with New Zealand investor Hadley Nightingale about growing up on a farm, learning to work early, getting burned by a risky land deal, and eventually building a real estate business centered on strategy, property management, and recurring income. They also dig into New Zealand property basics, tax and lending differences, and why boring investments often outperform flashy ones. Hadley Nightingale on farming roots, hard lessons in real estate, and building recurring revenue

Key topics

• Hadley’s upbringing on a New Zealand farm
  He grew up working on the land, picking crops, driving tractors, and learning sheep shearing later on. His parents modeled hard work, with his dad juggling multiple jobs before eventually buying a business in his late forties.
• How family background shaped his view of money
  Tony opens by contrasting Wall Street investing with owning real assets like land, businesses, and precious metals. Hadley’s story shows how working-class roots and delayed business ownership shaped a practical, risk-aware mindset.
• Why he left school early and went into agriculture
  Hadley says he left school at 16, went to ag college for 12 months, then moved into dairy farming. He describes school as uninteresting unless it connected directly to money or business.
• The costly land purchase that changed everything
  In the mid-2000s, he and his parents bought land during a hype cycle and took on significant debt. A verbal crop agreement fell apart, the crop value collapsed, and the deal produced far less than expected.
• The reality of debt and long recovery cycles
  Hadley spent roughly nine to ten years working to keep the property afloat, including jobs in Australia. He and Tony discuss variable interest rates, debt service, and how easy it is to underestimate compounding pressure.
• How driving roads and mining jobs became a bridge, not a destination
  He went to Australia to earn more per hour and work longer shifts to service debt. That period reinforced the limits of trading time for money, even at higher wages.
• The mindset shift toward wealth building
  Hadley says Rich Dad Poor Dad helped reshape his thinking about ownership and financial independence. Personal development books and mentors like Jim Rohn and Zig Ziglar helped him realize he needed to become more valuable, not just busier.
• Why real estate became the long-term play
  He explains that he eventually saw real estate as the path where money could work for him. Tony reinforces the idea that real estate has created many millionaires because it offers multiple ways to win.
• His business model now centers on property strategy and management
  Hadley’s company started as a buyer’s agency, then added property management and project management. He admits he expanded too broadly too early and learned that one profitable engine is better than three weak ones.
• How he thinks about property portfolios
  He now helps clients build 12-month game plans instead of just buying random property. His philosophy is to treat property like a sports team, knowing when to hold, optimize, and sell.
• New Zealand property characteristics and cash flow math
  He explains that much of the market is standalone housing rather than dense apartment blocks. He shares that sub-70-square-meter homes can be built as additional dwellings and rented for weekly income, depending on location and zoning.
• His advice for business and investing
  One path until successful is the lesson he says he missed early on. He recommends building recurring revenue first and choosing boring, reliable property over sexy, speculative deals.

Timestamps

00:00 - Introduction to Hadley Nightingale and Tony’s view on real wealth
 01:19 - Hadley’s upbringing on a New Zealand farm
 02:24 - Leaving school, rejecting the expected path, and learning sheep shearing
 03:42 - How New Zealand’s population is concentrated in Auckland and the North Island
 06:45 - Parents in stable jobs, then the shift to self-employment and business ownership
 07:57 - The agricultural business his parents bought and how it grew
 10:56 - Why Hadley left home at 18 and moved into ag college
 11:33 - School never felt relevant to him unless it connected to business
 12:31 - Dairy farming, then the decision to buy land with family
 13:28 - Bad advice, bad timing, and why the property deal went wrong
 14:24 - Moving to Australia to earn more and service debt
 15:52 - Tax differences between New Zealand and Australia
 17:28 - Early desire to work for himself and the first mindset shift
 18:20 - Discovering Rich Dad Poor Dad and personal development
 19:49 - Herbalife, weight gain from long-haul work, and lessons from MLM
 20:46 - Realizing he needed different people, better books, and better direction
 22:06 - The first land deal breakdown and the crop that underperformed
 23:36 - Nine years of effort to keep the investment alive
 24:50 - Interest rates, variable lending, and how debt pressure compounds
 26:15 - What happened as rates eventually moved again
 27:52 - Tony’s perspective on bank-created money and inflation
 29:26 - Future financial shocks, digital systems, and the conversation shifts
 30:40 - Hadley’s current real estate model and expansion into property management
 31:29 - Why one profitable business is easier to scale than three weak ones
 33:34 - How Tony frames real estate for listeners trying to start with limited capital
 34:01 - How Hadley structures client strategy around a 12-month plan
 35:00 - Why he thinks of property like a sports team with aging assets
 36:38 - Tony’s own property experience and current retreat-style project
 37:31 - New Zealand property types and adding dwellings to existing land
 38:30 - Balancing equity, cash flow, and servicing in portfolio design
 39:13 - What sub-70-square-meter dwellings can look like and what they rent for
 40:32 - The biggest lesson: one path until successful and focus on recurring revenue
 41:35 - Why boring property often beats sexy property
 41:51 - Hadley’s top book recommendations for money and business
 42:35 - Where to find Hadley online and continue the conversation

CONNECT WITH HADLEY NIGHTINGALE AT https://www.newzealandpropertybuyers.com

Is money slipping through your fingers? Are you missing your opportunity to become a millionaire? Welcome to The Millionaire Choice. Where we talk to millionaires and future millionaires about how to build wealth and what to do with it once you have it. 

Here’s your host Tony Bradshaw. He made his choice and created his millionaire plan at age 25. Now it’s your turn. Visit tonybradshaw.com and GET MONEY SMART.

You're making a hundred thousand dollars or more. But if you're honest, your money isn't doing what it should be. You're spending more than you'd like, investing less than you know you should, and somewhere between the income and the life you imagined—something got lost.

Tony Bradshaw is a first-generation millionaire and money mentor who helps high earners turn income into real wealth. This is Higher Peak Coaching.
Visit TonyBradshaw.com to book you

If you enjoy the show, please review and subscribe! 

And remember, if you want to be good with money, you need to study money. You need to GET MONEY SMART, and give your money a purpose. Enjoy life. Help others. Serve God.

Review, Subscribe & Share The Millionaire Choice Podcast – Help the World Get Money Smart!

📈 Transform Your Life, Money & Business with HIGHER PEAK COACHING:
tonybradshaw.com

💰 Discover the Get Money Smart Community
Get Money Smart

In this episode of The Millionaire Choice, Adam Olsen shares his inspiring journey from a challenging childhood to managing billions in real estate sales. He discusses practical strategies for aspiring real estate agents, along with insights on building a profitable portfolio and the importance of work ethic and energy.

TAKEAWAYS

• Adam Olsen’s background, including growing up as a child of a single mother after losing his father in a car accident
• The early days of entering real estate at age 17 and the challenges of building a business from scratch
• How perseverance and work ethic drove Adam to manage over $1.5 billion in real estate transactions
• Practical advice for new real estate agents, including the importance of joining a team and understanding the data
• Strategies for building a real estate portfolio, including residential and commercial investments
• Insight into market opportunities, including off-market deals and value-add investments in older cities
• Mistakes made and lessons learned, such as selling rental properties prematurely
• The significance of energy, attitude, and consistent effort in achieving success
• Recommended resources for motivation and growth, including speeches by Les Brown and Tony Robbins

TIMESTAMPS

00:00 - Introduction to Adam Olson and his real estate achievements

00:24 - Adam’s childhood and family background

01:14 - Growing up in Huntsville, Texas, and early entrepreneurial influences

02:19 - Building a real estate career while managing family responsibilities

03:16 - The discipline behind managing billions in sales and hours invested

04:01 - Overcoming hardships and financial struggles after losing a parent

04:51 - The importance of understanding business and building wealth over time

06:29 - The impact of work ethic and hours committed in real estate

07:04 - Misconceptions about wealth and success in real estate

07:26 - Initial steps into real estate and starting from scratch

08:24 - The importance of saving and investing back into your business

09:48 - Growing a real estate portfolio with residential and rental properties

10:15 - Tips for new agents: licensing, reserves, and joining the right team

12:06 - The evolving nature of real estate and continuous learning

13:00 - Choosing a brokerage with strong data and transaction volume

15:15 - The high attrition rate among new agents and how to avoid it

16:41 - Focus on data, follow-up, and building a pipeline

17:46 - Using real estate income to build a diversified portfolio

18:11 - Current investment areas, including multifamily and commercial land

19:56 - Commercial real estate insights and market trends in Texas

20:55 - Value-add opportunities in older cities and off-market deals

22:30 - Lessons from property appreciation and market timing

23:37 - The importance of long-term wealth-building through real estate

25:36 - The significance of hard work, energy, and perseverance

27:18 - Inspirational resources: Les Brown and Tony Robbins

29:20 - Closing advice and contact information for Adam OlsonReady to learn the secrets behind building sustainable wealth through real estate? Tune in for actionable insights from Adam Olson’s inspiring journey and expertise.

CONNECT WITH ADAM OLSEN AT https://adamolsenteam.com/

Is money slipping through your fingers? Are you missing your opportunity to become a millionaire? Welcome to The Millionaire Choice. Where we talk to millionaires and future millionaires about how to build wealth and what to do with it once you have it. 

Here’s your host Tony Bradshaw. He made his choice and created his millionaire plan at age 25. Now it’s your turn. Visit tonybradshaw.com and GET MONEY SMART.

You're making a hundred thousand dollars or more. But if you're honest, your money isn't doing what it should be. You're spending more than you'd like, investing less than you know you should, and somewhere between the income and the life you imagined—something got lost.

Tony Bradshaw is a first-generation millionaire and money mentor who helps high earners turn income into real wealth. This is Higher Peak Coaching.
Visit TonyBradshaw.com to book you

If you enjoy the show, please review and subscribe! 

And remember, if you want to be good with money, you need to study money. You need to GET MONEY SMART, and give your money a purpose. Enjoy life. Help others. Serve God.

Review, Subscribe & Share The Millionaire Choice Podcast – Help the World Get Money Smart!

📈 Transform Your Life, Money & Business with HIGHER PEAK COACHING:
tonybradshaw.com

💰 Discover the Get Money Smart Community
Get Money Smart

In this episode, Tony Bradshaw interviews Chris Miles about cash flow, passive income, and alternative investment strategies. They explore how to build sustainable income streams, critique traditional retirement models, and discuss innovative ways to generate wealth outside Wall Street.

TAKEAWAYS
Cash flow vs. cash savings
Importance of passive income streams
Alternative investment strategies including real estate, lending, and land
Critique of traditional retirement models and mutual funds
The impact of economic cycles and market risks
"Cash flow is king, not cash."
"Target date funds underperform the S&P 500."
"The stock market is a big Ponzi scheme."

TIMESTAMPS
00:00 Introduction to Cash Flow and Passive Income
02:03 The Importance of Cash Flow Planning
06:11 Understanding Retirement Income Needs
09:58 The 401k Trap and Investment Realities
13:58 Exploring Passive Income Strategies
17:48 Innovative Investment Opportunities
25:26 Exploring Forex and Stock Trading Returns
28:09 The Risks of High Returns in Trading
29:52 The SEC and Market Regulations
32:41 Market Cycles and Speculation Risks
34:04 The Current Economic Landscape
37:40 Preparing for Economic Downturns
40:57 The Role of Oil in the Economy
43:30 The Shift from Ownership to Renting

CONNECT WITH CHRIS MILES AT moneyripples.com

Is money slipping through your fingers? Are you missing your opportunity to become a millionaire? Welcome to The Millionaire Choice. Where we talk to millionaires and future millionaires about how to build wealth and what to do with it once you have it. 

Here’s your host Tony Bradshaw. He made his choice and created his millionaire plan at age 25. Now it’s your turn. Visit tonybradshaw.com and GET MONEY SMART.

You're making a hundred thousand dollars or more. But if you're honest, your money isn't doing what it should be. You're spending more than you'd like, investing less than you know you should, and somewhere between the income and the life you imagined—something got lost.

Tony Bradshaw is a first-generation millionaire and money mentor who helps high earners turn income into real wealth. This is Higher Peak Coaching.
Visit TonyBradshaw.com to book you

If you enjoy the show, please review and subscribe! 

And remember, if you want to be good with money, you need to study money. You need to GET MONEY SMART, and give your money a purpose. Enjoy life. Help others. Serve God.

Review, Subscribe & Share The Millionaire Choice Podcast – Help the World Get Money Smart!

📈 Transform Your Life, Money & Business with HIGHER PEAK COACHING:
tonybradshaw.com

💰 Discover the Get Money Smart Community
Get Money Smart

On this episode of The Millionaire Choice Podcast, Tony talks with Troy Perkins, a gemologist, entrepreneur, and founder of Platinum1911.com and Fast Fix Arizona, about the realities of building wealth, creating value, and making smarter decisions with money. 

Troy shares how he went from a comfortable upbringing and years of spending without much financial discipline to a major wake-up call in his 30s, when the 2008–2009 downturn forced him to rethink what real wealth building meant.

What makes this conversation especially powerful is Troy’s practical, no-fluff approach to entrepreneurship and money. He breaks down five simple but important business principles—research your craft, find demand, make sure the numbers work, work hard and smart, and schedule your priorities—while also sharing how he applies those lessons in his own life, business, and family. His perspective on assets, time management, and raising financially aware kids offers a grounded reminder that wealth is built through discipline, intention, and consistent action.

SHOW OVERVIEW

• Troy's journey from Scottsdale to jewelry entrepreneurship
• Lessons learned from financial awakening at age 30
• The importance of investing in assets vs. liabilities
• Practical tips on prioritizing and scheduling for success
• Frameworks for starting a business and identifying demand
• The value of continuous learning through podcasts and YouTube
• Insights into high-end jewelry and watch investments

TAKEAWAYS

• Troy's early experiences in Scottsdale, NYC, and Newport Beach shaped his understanding of wealth
• The impact of the 2008-2009 financial crisis on his perspective
• Building wealth through asset acquisition, such as jewelry and gold
• Teaching kids the importance of investing and frugality
• The five-step entrepreneurial process: research, demand, profitability, working smart, and scheduling priorities
• The critical difference between pursuing passions that are viable vs. unprofitable
• Strategies for maximizing daily productivity and learning efficiently during cracks in the day
• The significance of scheduling priorities over just prioritizing tasks
• How to navigate the luxury jewelry and watch markets for investment and enjoyment
• Troy's faith-driven approach to business and giving back

TIMESTAMPS

00:00 - Introduction to Troy Perkins, gemologist and entrepreneur
 02:00 - Troy’s background and how he entered the jewelry business
 04:00 - Lessons from financial challenges at age 30
 06:00 - Building wealth through asset investments like jewelry and gold
 08:00 - Teaching kids about investing and frugality
 10:00 - The five-step framework for starting a business
 14:00 - Demand research and profitability assessment
 16:00 - The importance of working smart and scheduling priorities
 19:00 - Strategies for maximizing productivity and time management
 22:00 - Learning opportunities through YouTube and podcasts
 24:00 - Most expensive jewelry transactions and market insights
 26:00 - High-end watches as investment assets
 29:00 - Faith, generosity, and business success principles
 32:00 - Practical tips for career growth and leadership
 33:00 - How to connect with Troy and learn more

CONNECT WITH TROY PERKINS AT platinum1911.com or LinkedIN

Is money slipping through your fingers? Are you missing your opportunity to become a millionaire? Welcome to The Millionaire Choice. Where we talk to millionaires and future millionaires about how to build wealth and what to do with it once you have it. 

Here’s your host Tony Bradshaw. He made his choice and created his millionaire plan at age 25. Now it’s your turn. Visit tonybradshaw.com and GET MONEY SMART.

You're making a hundred thousand dollars or more. But if you're honest, your money isn't doing what it should be. You're spending more than you'd like, investing less than you know you should, and somewhere between the income and the life you imagined—something got lost.

Tony Bradshaw is a first-generation millionaire and money mentor who helps high earners turn income into real wealth. This is Higher Peak Coaching.
Visit TonyBradshaw.com to book you

If you enjoy the show, please review and subscribe! 

And remember, if you want to be good with money, you need to study money. You need to GET MONEY SMART, and give your money a purpose. Enjoy life. Help others. Serve God.

Review, Subscribe & Share The Millionaire Choice Podcast – Help the World Get Money Smart!

📈 Transform Your Life, Money & Business with HIGHER PEAK COACHING:
tonybradshaw.com

💰 Discover the Get Money Smart Community
Get Money Smart

Join us as Tony talks with Mario Sicari, a seasoned wealth manager with over 30 years of experience, shares practical advice on creating and preserving wealth, understanding the financial system, and empowering the next generation financially. In this episode, Mario connects macroeconomic shifts to everyday money decisions, explaining how global events, market cycles, and changing political landscapes can influence long-term financial stability. He also shares how his own background shaped his approach to wealth, investing, and client coaching.

A major theme of the conversation is mindset: moving from scarcity to abundance, building confidence around money, and making intentional decisions instead of reacting emotionally to the market. Mario emphasizes the importance of financial literacy at every stage of life, from helping children understand earning and investing to preparing adults for retirement through strategies like Roth conversions, RMD planning, and maximizing employer matches. 

He also highlights the coming generational wealth transfer and why families need to equip heirs with the knowledge to manage money responsibly.The episode closes with practical guidance on teaching kids about real-world money lessons, using tools like 529 college savings plans, and paying yourself first as a core financial habit. Mario’s message is simple but powerful: wealth is not just about accumulation, but about preservation, education, and passing on a stronger financial foundation to the next generation.

TAKEAWAYS

Wealth creation and preservation strategies
Impact of global economic shifts on personal finance
Teaching children about money and investing
Max out retirement accounts including 401k and IRAs
Teach children the value of money and commerce
Utilize 529 plans and Roth conversions for tax-efficient wealth transfer

TIMESTAMPS

00:00 Introduction to Mario Sicari and his background
01:25 Current global financial climate and political influences
03:59 The history of missing money and financial fraud
08:01 Mario Sicari's upbringing and journey into wealth management
12:55 Approach to client communication and financial coaching
13:25 The investor ladder and mindset shifts in investing
15:57 Media influence and mindset in financial decision-making
17:53 The upcoming wealth transfer and its challenges
20:33 Teaching children about money and instilling financial discipline
24:31 The importance of understanding commerce and currency for kids
30:38 Innovative strategies like 529 plans and Roth conversions
35:59 Final advice for professionals on building and protecting wealth
40:44 Mario Sicari's recommended book: The Art of Creating Wealth

CONNECT WITH MARIO SICARI AT mariosicari.com OR bgscapitalmanage.com/team/mario-sicari

Is money slipping through your fingers? Are you missing your opportunity to become a millionaire? Welcome to The Millionaire Choice. Where we talk to millionaires and future millionaires about how to build wealth and what to do with it once you have it. 

Here’s your host Tony Bradshaw. He made his choice and created his millionaire plan at age 25. Now it’s your turn. Visit tonybradshaw.com and GET MONEY SMART.

You're making a hundred thousand dollars or more. But if you're honest, your money isn't doing what it should be. You're spending more than you'd like, investing less than you know you should, and somewhere between the income and the life you imagined—something got lost.

Tony Bradshaw is a first-generation millionaire and money mentor who helps high earners turn income into real wealth. This is Higher Peak Coaching.
Visit TonyBradshaw.com to book you

If you enjoy the show, please review and subscribe! 

And remember, if you want to be good with money, you need to study money. You need to GET MONEY SMART, and give your money a purpose. Enjoy life. Help others. Serve God.

Review, Subscribe & Share The Millionaire Choice Podcast – Help the World Get Money Smart!

📈 Transform Your Life, Money & Business with HIGHER PEAK COACHING:
tonybradshaw.com

💰 Discover the Get Money Smart Community
Get Money Smart

In this episode, Jens Nielsen shares his inspiring journey from growing up in Denmark with a scarcity mindset to becoming a successful real estate investor and business coach in the US. Discover practical strategies for real estate investing, building wealth, and creating sustainable business systems.

TAKEAWAYS

• Journey from scarcity to abundance mindset
• Starting in real estate with small properties
• Creative financing and raising private equity
• Pivoting into industrial and warehousing real estate
• Building a business around real estate investing

Connect with Jens Nielsen at jensnielsen.us and opendoorscapital.com

Is money slipping through your fingers? Are you missing your opportunity to become a millionaire? Welcome to The Millionaire Choice. Where we talk to millionaires and future millionaires about how to build wealth and what to do with it once you have it. 

Here’s your host Tony Bradshaw. He made his choice and created his millionaire plan at age 25. Now it’s your turn. Visit tonybradshaw.com and GET MONEY SMART.

You're making a hundred thousand dollars or more. But if you're honest, your money isn't doing what it should be. You're spending more than you'd like, investing less than you know you should, and somewhere between the income and the life you imagined—something got lost.

Tony Bradshaw is a first-generation millionaire and money mentor who helps high earners turn income into real wealth. This is Higher Peak Coaching.
Visit TonyBradshaw.com to book you

If you enjoy the show, please review and subscribe! 

And remember, if you want to be good with money, you need to study money. You need to GET MONEY SMART, and give your money a purpose. Enjoy life. Help others. Serve God.

Review, Subscribe & Share The Millionaire Choice Podcast – Help the World Get Money Smart!

📈 Transform Your Life, Money & Business with HIGHER PEAK COACHING:
tonybradshaw.com

💰 Discover the Get Money Smart Community
Get Money Smart

On this episode of The Millionaire Choice Podcast, Tony talks with Ken Gee of KRI Partners on building wealth through multi-family investing.

Most successful real estate investors didn’t start with a million-dollar portfolio—they built it step by step, often from humble beginnings. Ken Gee’s journey from growing up in Toledo with limited resources to creating a multimillion-dollar multifamily empire is a masterclass in mindset, resilience, and strategic growth. 

In this episode, Ken shares his behind-the-scenes story of how he went from struggling with scarcity to embracing abundance—transforming his financial future and shifting his entire perspective on wealth.You’ll discover how Ken bought his first 28-unit apartment complex with a tiny down payment, learning powerful value-add strategies that skyrocketed his cash flow. We break down the critical mindset shifts that turned his life around, including his insights on leveraging debt, private equity models, and the importance of serving others in wealth creation. Ken reveals the secrets behind raising millions from passive investors, structuring deals that generate exponential returns, and why he believes real estate is one of the only assets that checks all three wealth pillars—land, gold, and cash-flowing businesses.

If you’re tired of playing small and ready to learn the exact steps to turn a small investment into a powerhouse of passive income, Ken’s experience offers invaluable lessons and practical tactics. You’ll come away inspired to expand your financial horizon and armed with actionable strategies, whether you're an aspiring investor or a seasoned pro looking for that next breakthrough.

Ken Gee is the founder of KRI Partners, a private equity real estate firm focused on multifamily properties. With nearly three decades of experience, Ken has built a thriving empire by stacking small wins, mastering value adds, and redefining what’s possible with real estate investing. His story proves that with the right mindset, education, and determination, anyone can go from humble beginnings to financial freedom.Are you ready to stop letting fear hold you back and start building wealth that lasts? Tune in now and learn how to shift from scarcity to abundance—one deal at a time.

CONNECT WITH KEN GEE AND KRI PARTNERS AT kripartners.com

Is money slipping through your fingers? Are you missing your opportunity to become a millionaire? Welcome to The Millionaire Choice. Where we talk to millionaires and future millionaires about how to build wealth and what to do with it once you have it. 

Here’s your host Tony Bradshaw. He made his choice and created his millionaire plan at age 25. Now it’s your turn. Visit tonybradshaw.com and GET MONEY SMART.

You're making a hundred thousand dollars or more. But if you're honest, your money isn't doing what it should be. You're spending more than you'd like, investing less than you know you should, and somewhere between the income and the life you imagined—something got lost.

Tony Bradshaw is a first-generation millionaire and money mentor who helps high earners turn income into real wealth. This is Higher Peak Coaching.
Visit TonyBradshaw.com to book you

If you enjoy the show, please review and subscribe! 

And remember, if you want to be good with money, you need to study money. You need to GET MONEY SMART, and give your money a purpose. Enjoy life. Help others. Serve God.

Review, Subscribe & Share The Millionaire Choice Podcast – Help the World Get Money Smart!

📈 Transform Your Life, Money & Business with HIGHER PEAK COACHING:
tonybradshaw.com

💰 Discover the Get Money Smart Community
Get Money Smart

In this episode of The Millionaire Choice, Tony talks with Chad Van Horn about Navigating Bankruptcy and Building Wealth.

Discover how understanding bankruptcy laws, personal finance lessons, and entrepreneurial resilience can help you navigate financial setbacks and rebuild stronger. Chad Van Horn shares insights from his journey as a bankruptcy attorney and offers practical advice for maintaining wealth and overcoming financial hardships.

Key Takeaways

• The state of bankruptcy filings and economic indicators
• Differences between Chapter 7 and Chapter 13 bankruptcy
• The impact of student loans and education debt on American finances
• How job loss and economic shifts influence personal debt
• Success stories of overcoming financial failure and rebuilding wealth
• Practical steps to get money smart and plan for a prosperous future

00:00 - Introduction to the show and guest Chad Van Horn

00:24 - Bankruptcy filing statistics and insights into current trends

01:07 - Chad's entrepreneurial background and childhood influences

02:09 - The impact of childhood work ethic and financial responsibility

03:41 - Lessons learned from family financial struggles and frugal upbringing

04:36 - Spending habits, overcompensation, and family financial dynamics

05:36 - Developing a frugal but ambitious mindset

06:10 - How early work experience influences adult resilience

07:00 - Chad's upbringing in Pittsburgh and move to South Florida

08:03 - Culture shock, lifestyle changes, and career path in law and finance

09:28 - The growing number of bankruptcy filings and economic warning signs

10:19 - The effect of layoffs, tech company challenges, and recession indicators

11:15 - Overview of Chapter 7 and Chapter 13 bankruptcy types

11:52 - Deep dive into Chapter 7, liquidation, and debt discharge

12:19 - How Chapter 13 helps with mortgage and car debt struggles

12:47 - The student loan crisis and potential solutions

13:16 - The unrealistic costs of higher education and inflated university budgets

14:31 - Government programs for student loan forgiveness and debt relief

15:16 - The disparity between university salaries and tuition costs

16:23 - The rising cost of housing and inflation in real estate markets

CONNECT WITH CHAD VAN HORN AT vanhornlawgroup.com

Is money slipping through your fingers? Are you missing your opportunity to become a millionaire? Welcome to The Millionaire Choice. Where we talk to millionaires and future millionaires about how to build wealth and what to do with it once you have it. 

Here’s your host Tony Bradshaw. He made his choice and created his millionaire plan at age 25. Now it’s your turn. Visit tonybradshaw.com and GET MONEY SMART.

You're making a hundred thousand dollars or more. But if you're honest, your money isn't doing what it should be. You're spending more than you'd like, investing less than you know you should, and somewhere between the income and the life you imagined—something got lost.

Tony Bradshaw is a first-generation millionaire and money mentor who helps high earners turn income into real wealth. This is Higher Peak Coaching.
Visit TonyBradshaw.com to book you

If you enjoy the show, please review and subscribe! 

And remember, if you want to be good with money, you need to study money. You need to GET MONEY SMART, and give your money a purpose. Enjoy life. Help others. Serve God.

Review, Subscribe & Share The Millionaire Choice Podcast – Help the World Get Money Smart!

📈 Transform Your Life, Money & Business with HIGHER PEAK COACHING:
tonybradshaw.com

💰 Discover the Get Money Smart Community
Get Money Smart

In this episode if The Millionaire Choice, Tony talks with Simon Popple, an avid gold expert and investor, about today's economy and the importance gold has held in the financial system for over 5,000 years.

Discover the historical and strategic significance of gold as an investment with expert Simon Popple, author of "The Beginner’s Guide to Investing in Gold." Learn why gold remains a crucial asset in navigating currency devaluation and economic shifts.

TAKEAWAYS

• The historical context of gold since the 1970s and its rebound post-gold standard
• The current and future value of gold based on economic cycles and central bank activity
• Gold as a hedge against inflation, currency devaluation, and financial system transition
• Tax-efficient ways to invest in gold and related assets in the UK and US
• The role of exploration companies, mining stocks, ETFs, and physical gold in a diversified portfolio
• The impact of government policies, digital currencies, and global trends on gold prices
• Practical advice for long-term investing and emergency funds diversification

CONNECT WITH SIMON POPPLE AT goldprogram.co.uk

Is money slipping through your fingers? Are you missing your opportunity to become a millionaire? Welcome to The Millionaire Choice. Where we talk to millionaires and future millionaires about how to build wealth and what to do with it once you have it. 

Here’s your host Tony Bradshaw. He made his choice and created his millionaire plan at age 25. Now it’s your turn. Visit tonybradshaw.com and GET MONEY SMART.

You're making a hundred thousand dollars or more. But if you're honest, your money isn't doing what it should be. You're spending more than you'd like, investing less than you know you should, and somewhere between the income and the life you imagined—something got lost.

Tony Bradshaw is a first-generation millionaire and money mentor who helps high earners turn income into real wealth. This is Higher Peak Coaching.
Visit TonyBradshaw.com to book you

If you enjoy the show, please review and subscribe! 

And remember, if you want to be good with money, you need to study money. You need to GET MONEY SMART, and give your money a purpose. Enjoy life. Help others. Serve God.

Review, Subscribe & Share The Millionaire Choice Podcast – Help the World Get Money Smart!

📈 Transform Your Life, Money & Business with HIGHER PEAK COACHING:
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What does it really take to go from an ordinary middle-class income to millionaire status — in under a decade? In this episode of The Millionaire Choice Podcast, Tony interviews Lane Kawaoka, Author of The Wealth Elevator. Lane shares the real story of how he built his wealth through strategic real estate investing, smart diversification, and the critical mindset shifts that made it all possible.

Lane introduces his signature framework — the Wealth Elevator — a practical model that maps out exactly what strategies apply at each stage of your wealth journey. Whether you're just getting started or already scaling a portfolio, Lane explains why the rules of investing change as your net worth grows, and why what got you to your first million won't get you to your next.

The conversation covers the evolution from single-family rental properties to large-scale multifamily syndications and private placements, the importance of becoming an accredited investor, and how to think about risk management and diversification at every level. Lane also speaks candidly about building a family legacy through real estate — not just accumulating wealth, but making it last.

This is a no-fluff, education-packed episode for anyone serious about building lasting financial independence.

TAKEAWAYS

• Early wealth is the hardest to build — the first million requires the most discipline and sacrifice, but it sets the foundation for everything that follows.
• The Wealth Elevator framework shows how investment strategies must evolve as your net worth grows — from rental properties to syndications to private placements.
• Becoming an accredited investor opens doors to opportunities most people never see, including institutional-grade deals with better risk-adjusted returns.
• Passive income through multifamily syndications allows investors to scale without scaling their time.
• Real estate is a vehicle, not a destination — the real goal is financial freedom and family legacy.

CONNECT WITH LANE KAWAOKA AT thewealthelevator.com

Is money slipping through your fingers? Are you missing your opportunity to become a millionaire? Welcome to The Millionaire Choice. Where we talk to millionaires and future millionaires about how to build wealth and what to do with it once you have it. 

Here’s your host Tony Bradshaw. He made his choice and created his millionaire plan at age 25. Now it’s your turn. Visit tonybradshaw.com and GET MONEY SMART.

You're making a hundred thousand dollars or more. But if you're honest, your money isn't doing what it should be. You're spending more than you'd like, investing less than you know you should, and somewhere between the income and the life you imagined—something got lost.

Tony Bradshaw is a first-generation millionaire and money mentor who helps high earners turn income into real wealth. This is Higher Peak Coaching.
Visit TonyBradshaw.com to book you

If you enjoy the show, please review and subscribe! 

And remember, if you want to be good with money, you need to study money. You need to GET MONEY SMART, and give your money a purpose. Enjoy life. Help others. Serve God.

Review, Subscribe & Share The Millionaire Choice Podcast – Help the World Get Money Smart!

📈 Transform Your Life, Money & Business with HIGHER PEAK COACHING:
tonybradshaw.com

💰 Discover the Get Money Smart Community
Get Money Smart