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Money School Podcast

Money School Podcast

By: Chris Naugle
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The Money School Podcast shares the secrets of the wealthy, so you learn how money really works and take back control of your life! You'll hear the inside story of wealthy entrepreneurs and investors... breaking down how they got started, how they think about money, how they put money to work for them, and how you can change your life simply by doing ONE thing differently with the money you already have. Through the podcast, you'll become your own bank - mastering how money really works - so you can use it to gain the upper hand and take command of your finances. After all, building wealth isn't about resources, it's about being resourceful. Hosted by Chris Naugle, former pro snowboarder turned real estate investor, serial entrepreneur, and money mentor, this podcast has one mission - to show you how money really works so you can reclaim control of your life!©2024 - Chris Naugle Money School Podcast Economics Personal Finance
Episodes
  • Smart Money Is Leaving Cash Behind, Here's Where It's Going Instead w/ Ben Reinburg

    Smart Money Is Leaving Cash Behind, Here's Where It's Going Instead w/ Ben Reinburg
    Apr 9 2026
    Most investors believe that holding cash during uncertain markets is the safest move. If you stay liquid, wait for clarity, and avoid risk, you'll be in a better position when opportunities come… or at least that's the thinking. But what many high-income earners and investors don't realize is that cash sitting idle isn't neutral; it's losing ground. Between inflation, taxes, and missed opportunities, capital that isn't deployed is quietly working against you. And while many investors are pulling back, the most sophisticated capital, family offices, institutions, and sovereign funds, are doing the opposite. They're moving into hard assets. In this episode of Money School Elite, I sit down with Ben Reinberg, CEO of Alliance Consolidated Group of Companies and a commercial real estate investor who has built a $500M+ portfolio from scratch, to break down how experienced operators think about capital in uncertain environments. In this conversation, we discuss why holding cash can actually erode wealth instead of protecting it, how the ability to hold through market cycles creates asymmetric opportunities, and why forced sellers are beginning to create some of the best buying conditions we've seen in years. We also break down an often-overlooked asset class, medical property, and why its demand profile makes it one of the most durable plays in real estate, even during periods of economic disruption. About the Guest Ben Reinberg is an iconic investor, mentor, educator, and philanthropist, CEO of Alliance Consolidated Group of Companies, and the author of "Hard Assets and Hard Money for Hard Times: A Blueprint to Build a Hard Asset Empire That Can Withstand Every Economic Cycle". Ben built a $500M+ Commercial Real Estate empire from scratch with billions in transactions. He is a respected authority on commercial real estate acquisition and investment, as well as the development and structuring of transactions. He is well-versed in 1031 exchanges and assessing the needs of investment capital. Ben brings value to the deal process through his ability to build trust quickly, raise equity efficiently, solve problems, and bridge the gap between buyers and sellers. Ben has authored and published numerous articles about the trade. Before establishing Alliance, Ben founded Hillcrest Trading, Ltd., a national acquisition and management firm. He began acquiring commercial real estate assets in the 1990s. His professional affiliations include the American Institute of Certified Public Accountants (AICPA), the Illinois Society of Certified Public Accountants (ICPA), the Urban Land Institute (ULI), and the International Council of Shopping Centers (ICSC). He is also a Charter Member of the International Association of Commercial Real Estate Professionals. To learn more, visit https://www.alliancecgc.com/ or https://www.benreinberg.com/. Buy "Hard Assets and Hard Money for Hard Times: A Blueprint to Build a Hard Asset Empire That Can Withstand Every Economic Cycle" here. About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom. Resources Private Money Guide: https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery: https://go.moneyschoolrei.com/newbook-podcast
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    46 mins
  • What's Really Happening In Real Estate Lending Right Now? w/ Jonathan Yoo

    What's Really Happening In Real Estate Lending Right Now? w/ Jonathan Yoo
    Apr 2 2026

    Many real estate investors believe success comes down to one thing: access to capital.

    If you can borrow money easily, scale quickly, and leverage aggressively, the thinking goes that your portfolio will grow faster. But what a lot of investors are learning right now is that capital alone doesn't create successful deals.

    Structure does.

    In today's lending environment, small mistakes in leverage, underwriting, or financing strategy can turn what looked like a solid deal into a long-term problem.

    And many investors don't realize where those risks actually show up until after the transaction is already done.

    In this episode of Money School Elite, I sit down with Jonathan Yoo, co-founder and CEO of Convoy Home Loans, to unpack what's really happening inside the lending market right now.

    Jonathan and his team work with thousands of investors across the country, helping them structure financing for real estate deals and navigate the changing landscape of lending products.

    In this conversation, we break down several important realities that experienced investors understand, but many newer operators overlook.

    We discuss why DSCR loans have become such an important financing tool for real estate investors, how over-leverage is quietly creating the next wave of defaults, and why the biggest risks in real estate often appear after the deal is already closed.

    We also talk about a topic many investors misunderstand: what actually controls mortgage rates, and why the bond market matters far more than the Federal Reserve when it comes to long-term real estate financing.



    About the Guest

    Jonathan Yoo is the co-founder and COO of Convoy Home Loans, Inc. Convoy Home Loans is one of the top DSCR lenders in the United States. They are best known for building a $1B+ national real estate investment lending platform in under four years without outside capital or a bank charter, helping thousands of everyday investors access non-traditional financing to scale cash-flowing real estate portfolios. To learn more, https://convoyhomeloans.com/. You can also download the Convoy Home Loans App to apply.

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    About Your Host

    From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier.

    His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works.

    Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.

    Resources

    Private Money Guide: https://go.moneyschoolrei.com/book-podcast

    Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast

    Mapping out the Millionaire Mystery: https://go.moneyschoolrei.com/newbook-podcast
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    40 mins
  • The End of Traditional Financial Advice? w/ Stefan Astheimer

    The End of Traditional Financial Advice? w/ Stefan Astheimer
    Mar 26 2026
    For a long time, truly personalized investment advice has been something only the ultra-wealthy could access. If you have tens of millions of dollars, you can hire advisors who don't just sell you products. They build strategies around your entire financial life. But everyone else gets standardized portfolios and is told to keep contributing to their retirement accounts and stay the course. That's starting to change. A new approach to financial advice is emerging, one built around a fee-for-service strategy instead of product sales. Instead of paying someone based on how much money they manage or what investments they sell you, investors can now pay directly for expertise, planning, and financial architecture. That means for the first time, the level of thinking that was mostly reserved for high-net-worth investors is now available to everyday investors who want a more strategic approach to building wealth. In this episode, investment advisor and fractional CEO, COO, and CRO Stefan Astheimer joins me to talk about how this model works, why the traditional advisory system is evolving, and how investors who understand this shift may gain a serious edge. Things You'll Learn In This Episode Most financial advice was never designed to be personal For decades, financial advisors were paid based on products sold or assets managed. But if your advisor's incentives shape the advice you get, how personalized can that advice really be? The edge for everyday investors Could separating advice from product sales finally give ordinary investors access to the kind of guidance the wealthy get? Paying off debt or building wealth first Many people assume eliminating debt should always come before investing. But when interest rates, tax advantages, and opportunity costs come into play, how do you decide which move actually builds wealth faster? AI makes great financial advisors more valuable, not less Many people assume AI will replace advisors. But what if technology actually increases the demand for high-level strategic guidance? Disclaimer This content is for educational purposes only and is not investment advice. No specific recommendations are being made. Please consult a qualified financial professional before making any investment decisions. This webinar is for educational and informational purposes only. Any discussion of strategies reflects general concepts and examples based on the speakers' own experience and perspectives, not personalized investment advice. Forward-looking statements, illustrations, or examples are not guarantees of future results. All investments involve risk, and results may vary. Viewers should consult their own qualified advisor before making any financial decisions. Investing involves risk, including the potential loss of principal. Past performance is no guarantee of future results. Additional information about PMC Wealth, LLC is available in its Form ADV, which is available upon request or by visiting www.adviserinfo.sec.gov. The 'Inverse Cramer' ETF referenced in this discussion previously existed but has since been closed. This mention is for illustrative purposes only and is not a recommendation. Guest Bio Stefan Astheimer is a fractional CEO, COO, and CRO who works with founder-led and regulated businesses to turn growth into something more structured, scalable, and commercially effective. He specializes in revenue expansion, operating strategy, and transaction readiness, helping companies strengthen performance while building long-term enterprise value. Stefan studied applied mathematics at Yale and has deep experience across wealth management, advisory, insurance, and other financial services environments where complexity is high and execution matters. To learn more, visit https://pmcwealthadvisors.com/ About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom. Resources Private Money Guide: https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire ...
    Show more Show less
    47 mins
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