Are you tired of losing money in risky investments and feeling like you lack control over your financial future? Imagine earning consistent, impressive returns, retiring sooner, and building a legacy, all with a proven, simple system. In this episode, Rich Lennon shares five foolproof strategies that guarantee you never lose money as a real estate lender.

You'll Learn How To:

• Secure your investment in the first position and protect your capital.
• Use effective underwriting to avoid bad deals.
• Implement a reversed draw strategy for construction loans.
• Ensure borrowers have “skin in the game” to mitigate risks.
• Utilize two essential types of insurance to safeguard your investment.

What You’ll Learn in This Episode:

(00:48) Why real estate is the best asset class for lending and why it offers stability.
(02:01) The 2008 financial crisis vs. real estate market resilience and slow changes.
(03:46) How lenders hold the best financial position in any real estate deal.
(05:21) Five critical rules every real estate lender must follow to protect investments.
(06:01) Rule #1: Why securing first position in lending is non-negotiable.
(07:29) Rule #2: The underwriting formula to ensure loan security and profitability.
(08:06) Rule #3: Reverse draw system for construction loans to minimize risk.
(09:14) Rule #4: Ensuring borrowers have skin in the game to prevent deal abandonment.
(10:15) Rule #5: Two must-have insurance policies to safeguard your investment.
(11:09) Final recap of foolproof strategies and what to expect in the next episode.

Who This Episode Is For:

• New and experienced real estate lenders looking for a risk-free approach.
• Investors seeking to maximize returns while minimizing financial losses.
• Entrepreneurs who want to build passive wealth through real estate lending.

Why You Should Listen:

• Learn five simple yet powerful strategies to protect your investments.
• Avoid common mistakes that cause lenders to lose money.
• Discover real-world insights from a seasoned real estate investor.
• Gain access to expert advice on underwriting, legal security, and risk mitigation.

Follow Rich Lennon here:

• Website: https://richlennon.com/
• Facebook: https://www.facebook.com/rich.lennon.121
• Instagram: https://www.instagram.com/richlennon92/#

Did you know that most real estate investors are hustling way harder than they need to—and still leaving thousands of dollars on the table? In this episode, Justin Foster, a former real estate wholesaler closing 100 deals a year, reveals why he walked away from the grind and embraced a smarter way to grow his wealth. Learn how he transitioned into lending, making 30-50% returns effortlessly, without the stress of chasing deals.

You'll Learn How To:

• Transition from active real estate investing to passive lending
• Raise and deploy private capital safely and effectively
• Use leverage to generate consistent double-digit returns
• Avoid common mistakes when scaling a lending business
• Protect capital and mitigate risk in real estate lending

What You’ll Learn in This Episode:

(00:46) Why Justin left a high-paying corporate job in oil and gas for real estate.
(02:12) Scaling a wholesale business to 100 deals a year while managing a team.
(06:40) Dealing with distressed sellers and unpredictable supply.
(10:18) First accidental loans and realizing the opportunity.
(13:42) The ‘lazy money’ mindset, making 30-50% returns without doing deals.
(17:08) How leverage works in private lending and why it outperforms flipping.
(21:36) Why requiring down payments protects investors.
(26:12) How to structure deals for security and avoid risky borrowers.
(30:44) Tax advantages of lending vs. flipping and how to minimize tax burdens.
(34:20) Lessons learned from mistakes, why Justin never does 100% financing anymore.

Who This Episode Is For:

• Real estate investors looking for a more passive income stream
• Wholesalers and flippers tired of the constant hustle
• Entrepreneurs interested in high-yield, low-stress investments
• Anyone looking to maximize their money through private lending

Why You Should Listen:

If you're ready to step off the deal-chasing treadmill and start building wealth with less effort, this episode is packed with actionable strategies to help you grow your money smarter. Justin breaks down how he shifted from grinding through wholesale deals to making consistent, high-yield returns in lending—without the stress and burnout.

Follow Rich Lennon here:

• Website: https://richlennon.com/
• Facebook: https://www.facebook.com/rich.lennon.121
• Instagram: https://www.instagram.com/richlennon92/#

Follow Justin here:

• LinkedIn: https://www.linkedin.com/in/justin-foster-3a7b3014/

Tired of slow returns and high-risk investments? Imagine earning 30-50% returns without the stress of market fluctuations. In this episode, host Rich Lennon shares the Lazy Money Method, a strategy that leverages real estate lending to create impressive passive income. Learn how to grow your wealth without working harder—just smarter.

You'll Learn How To:

• Use the Lazy Money Method to earn consistent, high returns
• Leverage other people’s money to maximize investments
• Transition from active real estate investing to passive lending
• Identify the best opportunities for private lending
• Structure loans to protect capital and optimize profits
• Avoid common financial pitfalls and scale sustainably
• Find the right partners and borrowers for lending
• Build a strategy that secures long-term financial success

What You’ll Learn in This Episode:

(00:05) Sired of slow returns? Learn how to take control now.
(00:15) Rich Lennon introduces the Lazy Money Method to achieve 30-50% returns.
(00:45) How a former soccer coach built a multi-million-dollar real estate portfolio.
(01:30) Moving to Richmond and discovering real estate cash flow potential.
(02:50) From buying one house a year to acquiring multiple properties monthly.
(04:15) The financial crisis of 2017 and the costly mistakes that reshaped his investing strategy.
(06:30) Transitioning from active real estate to passive lending for stress-free income.
(09:45) Why rental properties were no longer the best wealth-building vehicle.
(12:10) Structuring private loans for safe, consistent 20%+ annual returns.
(16:30) The Lazy Money Method explained—leveraging capital for maximum gains.

Who This Episode Is For:

• Real estate investors looking to scale passive income
• Entrepreneurs interested in alternative wealth-building strategies
• Anyone tired of slow-growing traditional investments
• Investors seeking higher returns with lower risk
• Those curious about private lending and real estate finance

Why You Should Listen:

This episode provides a blueprint for leveraging capital efficiently while maintaining financial security. Rich shares real-world experiences, breaking down how he scaled from an active investor to a passive lender with 30-50% annual returns. If you're ready to transform your financial future, this episode is packed with actionable strategies.

Follow Rich Lennon here:

• Website: https://richlennon.com/
• Facebook: https://www.facebook.com/rich.lennon.121
• Instagram: https://www.instagram.com/richlennon92/#

Did you know that most Americans work over half the year just to pay their tax bill? In this eye-opening episode of Growing The Money, host Rich Lennon exposes the hidden tax burdens that keep people from building wealth and reveals strategies the wealthy use to win the financial game.

You'll Learn How To:

• Understand why financial education is missing from schools
• See how taxes dramatically impact wealth-building potential
• Identify different types of taxes that eat away at your income
• Leverage strategies the wealthy use to minimize tax liability
• Use the Rule of 72 to accelerate financial growth
• Recognize why real estate is good for creating, but not growing, wealth
• Build an FU wall to protect your money from excessive taxation

What You’ll Learn in This Episode:

(00:42) US education fails in teaching financial literacy and wealth-building.
(01:24) Most Americans work over 50% of the year just for taxes.
(01:52) Doubling a penny daily grows to $10.7 million in 30 days.
(02:10) With taxes, that compound growth drops to $34,000 only.
(02:29) List of income, self-employment, social security, and estate taxes.
(03:34) Federal, state, and local taxes strip more of your earnings.
(04:40) The government creates barriers that prevent true wealth-building.
(08:06) Rule of 72 shows how money doubles with high returns.
(09:30) 30% return doubles wealth every 2.5 years; 50% in 1.5 years.

Who This Episode Is For:

• Individuals frustrated with high taxes and slow wealth growth
• Entrepreneurs looking for tax strategies to maximize profit
• Real estate investors seeking better ways to grow their money
• Anyone serious about financial independence and early retirement

Why You Should Listen:

Rich Lennon breaks down complex tax systems into simple, actionable insights that can transform how you approach wealth-building. Whether you’re a beginner or an experienced investor, this episode will give you the financial literacy that traditional education ignores. Don’t let taxes steal your wealth. Learn the strategies of the wealthy and start winning the money game today. Tune in next week as Rich reveals how to safely earn 30-50% returns with minimal risk!

Follow Rich Lennon here:

• Website: https://richlennon.com/
• Facebook: https://www.facebook.com/rich.lennon.121
• Instagram: https://www.instagram.com/richlennon92/#

Most people spend their entire lives working hard, only to find themselves trapped in the same financial cycle—saving small, earning little interest, and paying excessive fees. But what if there was a smarter way?

In this episode of Growing The Money Podcast, Rich Lennon breaks down arbitrage lending, a wealth-building strategy the ultra-rich use to earn 30% returns or more—without working harder. He explains why traditional investing models are flawed, how to break free from the 4% Wall Street rule, and how you can become your own bank to build wealth effortlessly. Get ready to shift your mindset and start letting money work for you.

You'll Learn How To:

• Escape the 4% Wall Street model and build wealth faster
• Leverage arbitrage lending to generate 30%+ returns like banks
• Stop relying on earned income and shift to passive wealth-building
• Avoid financial traps that keep most people broke at retirement
• Develop the "lazy money" mindset to make wealth-building effortless
• Understand how banks profit from lending—and how you can too
• Create financial freedom without chasing high-risk investments
• Set up a cash flow system that works for you 24/7
• Use other people’s money legally and ethically for wealth generation
• Take the first actionable steps toward financial independence today

What You’ll Learn in This Episode:

(00:00) Why banks have the tallest buildings and what it means for wealth

(00:06) The secret to flipping the script and growing wealth effortlessly

(00:16) Why traditional income won’t create true financial freedom

(00:26) Discovering arbitrage lending and how it changed my finances

(00:33) How the wealthy generate serious profits using other people’s money

(00:42) Why the 4% Wall Street model keeps people stuck financially

(00:50) How banks profit from lending and why individuals can do the same

(01:16) Breaking free from the cycle that leaves 95% broke at retirement

(01:38) The power of becoming the bank and creating generational wealth

(01:54) The "lazy money" mindset that makes money work for you

(02:05) How to make your money work 24/7 and achieve financial independence

Who This Episode Is For:

• Individuals who want to escape the paycheck-to-paycheck cycle
• Entrepreneurs and investors looking for smarter wealth strategies
• People frustrated with low investment returns and financial stagnation
• Anyone tired of trading time for money and looking for passive income
• Those ready to implement real, proven financial strategies

Why You Should Listen:

Most people work for money. The wealthy make money work for them. If you're tired of traditional saving and investing methods that yield little in return, this episode is a game-changer. Rich Lennon reveals the hidden financial strategies banks and the rich use—strategies most people never learn.

By the end of this episode, you'll know exactly how to break free from the 95% of people who retire broke and start building real financial independence.

Follow Rich Lennon here:

• Website: https://richlennon.com/
• Facebook: https://www.facebook.com/rich.lennon.121
• Instagram: https://www.instagram.com/richlennon92/#