Not Your Average Financial Podcast™

Think different about your money, your economy and your future. Be curious. Be stable. Be sane.

Episode 190: The Ninja Belts of Bank on Yourself®

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In this episode, we ask:

  • What strategies are you excited about?
  • What about being a newbie?
  • Would you like to hear a ninja belt metaphor?
  • What is the white belt?
  • What about saving from cash flow?
  • What about monthly premiums?
  • What do you learn in karate?
  • How many moves are you making in your monthly budget to up your cashflow?
  • What about the fundamentals?
  • What about “back to the basics”?
  • What is the orange belt?
  • What about a lump sum along with monthly premiums?
  • What about windfalls?
  • What about bonuses?
  • What advantages come with a paid up additions rider?
  • What about repositioning?
  • What is a 1035 exchange?
  • What about universal life policies?
  • What about the red belt?
  • What about annual premiums?
  • How does this benefit business owners?
  • What about annual windfalls?
  • What about an annual surge in sales?
  • What about multiyear projects?
  • What about solving several problems?
  • What about passing on savings?
  • What about the yellow belt?
  • What about the intention behind starting?
  • What about other people?
  • What about lines of credit for business?
  • Can you have multiple policies on yourself?
  • What are the most important assets in your life?
  • What about the green belt?
  • What about real estate?
  • What about business inventory?
  • What is life insurance all about?
  • What about an additional focus?
  • What about vehicles?
  • What about college?
  • What about business expenses?
  • What about the debt SnowBank Method?
  • Is it possible to be better than debt free?
  • What about policy loans?
  • What restrictions are on policy loans?
  • What questions do insurance companies ask to take policy loans?
  • Would you like to learn more about the green belt strategy?
  • What about the purple belt?
  • Would you like the budgeting tool? Meet with Mark
  • Do you have a massive tax bill due every year?
  • What are non-direct recognition policy loans?
  • How fast should you pay the policy loan off?
  • Are you a business owner?
  • Are you a real estate investor?
  • What happens if you don’t pay off the loan?
  • What about the fortitude required?
  • What about compound growth?
  • Is it a good idea to pay a policy loan back?
  • What does it mean to lapse a policy?
  • What is a big deal?
  • What is not a big deal?
  • What is the risk on the gains in the policy?
  • What do you lose when a policy lapses?
  • Do you understand the risks?
  • What about the brown belt?
  • What is a system of policies?
  • What is a family office?
  • What about grandkids?
  • What about grandparents?
  • Why insure kids?
  • What is the power of this strategy?
  • What is the regular system of communication and intention?
  • Is a family office formal?
  • Is a family office informal?
  • How might a family communicate?
  • When do families meet?
  • Who shows up to a family meeting?
  • What is the key?
  • How might you prepare your people for the money?
  • What about the black belt strategy?
  • What about income equaling premium?
  • Is this recommended?
  • What is fraught with peril?
  • What did Nelson Nash say?
  • What is the caution?
  • Why is this not for 99% of people?
  • How does it work?
  • What are the four steps?
  • How might you live on less than you make?
  • What about the pattern of life?
  • What are the risks and considerations of black belt strategy?
  • Are you able to live like a spartan?
  • What about getting improved for this much life insurance?
  • What is the job of underwriters?
  • What about liability?
  • Have you arrived?
  • How are you still learning?
  • Would you like to strategize together?
  • Book a Meeting with Mark

Episode 186: Thou Shall Prosper with Rabbi Daniel Lapin

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In this episode, we ask:

  • Who has their hand on the steering wheel of life?
  • Who is Rabbi Daniel Lapin?
  • What was his most important journey?
  • Who tends to be disproportionally good with money?
  • What did William Wordsworth say?
  • What about entropy?
  • Is chaos the order of things?
  • What about building?
  • Are you taking care of things?
  • Are you maintaining your living space and your vehicles?
  • What happens when you don’t do the work?
  • What about ancient Jewish wisdom?
  • What about Adam and Eve?
  • What happens when one reads the Hebrew?
  • What about taking care of business?
  • What abut being obsessively preoccupied with taking care of others?
  • What about service?
  • What about taking care of customers?
  • Is the world against you?
  • What about enormous cooperation and effort?
  • What about happiness?
  • With whom do you spend time?
  • Who is miserable?
  • Does company love misery?
  • Who is a happy warrior?
  • What about family?
  • What about friendships?
  • What about faith?
  • What about fitness?
  • Have you read Thou Shall Prosper by Rabbi Daniel Lapin?
  • Why are Jews successful?
  • What about powerful strategies and principles?
  • What about destiny?
  • What about getting whacked?
  • What about suffering from deep existential loneliness?
  • What happened when Rabbi Lapin met a pair of tech reps?
  • What about working with things?
  • What about working with people?
  • What is money and why does it matter?
  • How is money a certificate of good performance?
  • How might you take care of the things in your life?
  • What does the Rabbi think about Bank on Yourself®?
  • Would you like to visit rabbidaniellapin.com?

Daniel Lapin was born into a prestigious Torah family. He was a student of his father, Rabbi A.H. Lapin, who served the Jewish communities in Johannesburg and Cape Town, South Africa, eventually immigrating to America with his wife where they established the Am Echad synagogue in San Jose, CA.

In 2002, Rabbi Lapin wrote his bestselling book Thou Shall Prosper: The Ten Commandments for Making Money (John Wiley ). This book continues selling well in America (as does its sequel Business Secrets from the Bible) and has also been translated into Chinese and Korean, among other languages. In 2007, Rabbi Lapin, along with his wife, Susan, founded Lifecodex Publishing. They began producing audio CDs and writing books to make ancient Jewish wisdom accessible to people of all faiths. Lifecodex Publishing now has DVDs as well as publishing works by other authors that promote traditional learning and values.

Rabbi Lapin is a frequent speaker for hundreds of groups, institutions, organizations, and companies including Family Research Council, Harvard Law School, the United States Army, the 1996 Republican National Convention, Voices United for Israel, and Young President’s Organization. Rabbi Lapin was the keynote speaker at the Congressional Bi-Partisan opening of the 106th Congress in Washington, DC.

Rabbi Lapin hosts a weekly audio podcast which presents thousands of years of Jewish wisdom emanating from the Bible, in ways that impact and improve modern-day life.

Episode 184: Rewirement and Risks to Retiring in 2021 with Jamie Hopkins

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In this episode, we ask:

  • Have you ever seen the show, American Ninja Warrior?
  • What about a finite amount of cash?
  • Who is Jamie Hopkins?
  • What are some of Jamie’s earliest experiences with money?
  • What about the risks of retirement?
  • What about Jamie’s new book, Rewirement?
  • What about longevity?
  • What about the unknown time horizon?
  • What about deflation?
  • What about public policy risk?
  • What about unexpected financial responsibility?
  • What about a parent’s long term care needs?
  • What if your career is shorter than your retirement?
  • What does Jamie see in his crystal ball?
  • What is the giant societal experiment?
  • What about the 401(k)s?
  • What about the standard of living adjustments?
  • What about cutting back?
  • What about reliance on certain systems?
  • What about the social security fund report?
  • How does this influence policy?
  • What about social security?
  • What percentage of retiree’s income typically comes from social security?
  • Will the funds be depleted?
  • What about Biden’s proposals?
  • What is our single biggest funding program?
  • When was the last time social security was updated?
  • What about the assumptions?
  • What has happened to interest rates in the last 40 years?
  • How does this change behavior?
  • What changes in the macroeconomic assumptions?
  • What about a tax proposal?
  • What about inflation?
  • How does living on a fixed income work?
  • What about the infrastructure and legal system in the U.S.?
  • What about protections?
  • What about strategies?
  • What about contract law?
  • Does Jamie sell products?
  • What about fixed indexed annuities?
  • What about creating lifetime income?
  • What about fixed income?
  • What about bond laddering?
  • What about life insurance?
  • What about forced or automatic savings?
  • What about a death benefit?
  • What about tax diversification?
  • Could laws change?
  • Where will public policy go?
  • How might one public policy change affect your strategy?
  • Are tax rates going up?
  • Have you read the Power of Zero?
  • Do you act in accordance with your beliefs?
  • What about diversifying risk?
  • What do most people believe today?
  • What happened between 2010 and 2020?
  • Where can you follow Jamie?
  • What do you want to accomplish?
  • What are the takeaways?

Jamie Hopkins, Esq., LLM, MBA, CFP®, RICP® is the managing director of Carson Coaching and the Director of Retirement Research for Carson Group. He is a finance professor of practice at Creighton University’s Heider College of Business and is the author of the book Rewirement: Rewiring The Way You Think About Retirement Planning. Jamie helped co-create the Retirement Income Certified Professional (RICP®) designation at The American College of Financial Services. He was named as a top 40 young attorney by the American Bar Association and a top 40 financial service professional under the age of 40 by InvestmentNews. In 2020, his work on retirement planning and the SECURE Act won an award from WealthManagement.com for being the best Thought Leadership Advisor Education in the industry. You can contact him at www.jamiehopkins.com or follow him on twitter @retirementRisks. 

Episode 176: Annuities vs. Everything Else

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In this episode, we ask:

  • What are people saying about annuities?
  • What about supplemental income strategies for retirement?
  • Should alternative income strategies be used in retirement?
  • What about rental income?
  • What about rental income in a pandemic?
  • Is your rental property your annuity?
  • How is this working out?
  • What about Moody’s analytics?
  • How many renters are behind on rent?
  • What about mom and pop landlords?
  • What are squatter’s rights?
  • What about contract law?
  • What about laddered bonds?
  • What about taxes?
  • Have you heard Episode 138?
  • What about MUNI bonds?
  • What did Barron’s say?
  • What did Mark see at the Oriental Museum?
  • What about liquidity?
  • What is a Single Premium Immediate Annuity (a SPIA)?
  • What about inflation?
  • What about the Mack Truck factor?
  • What have the insurers done with the annuity gotchas?
  • What is the fixed indexed annuity?
  • Have you heard Episode 80?
  • What about income?
  • What about a steady stream of income in retirement?
  • How does one fund an annuity?
  • What are the choices?
  • What are the tradeoffs?
  • What are the protections?
  • What about qualified and non qualified plans?
  • How does a fixed annuity address the liquidity problem?
  • Who has the cash?
  • What is an idea for liquidity?
  • What about the inflation problem?
  • Can you lose money due to market fluctuations?
  • What about the participation rate?
  • What about an inflation protection hedge?
  • What about competitive market returns without loss?
  • What about increasing income in retirement?
  • What about a pay raise in retirement?
  • What about a guaranteed minimum income for life?
  • What about the insurers addressing the Mack Truck factor?
  • What about gifting the unspent lump sum to your beneficiaries?
  • What about nursing home care?
  • What about double income payments in a qualified care facility?
  • Do you have a bond that can do that?
  • Do you have a rental property that can do that?
  • What are the benefits of the indexed annuity?
  • What are the downsides?
  • What are the risks?
  • Who is an indexed annuity good for?
  • What about medium and long term savings goals?
  • What about short term goals?
  • What do you want your money to do for you?
  • Who are indexed annuities NOT good for?
  • What about surrender charges?
  • What about liquidity?
  • Would you like to meet with Mark?
  • What about looking at your Social Security benefits online?
  • Do you have a plan for long term care?
  • Do you have a plan for your home equity?
  • How might your home equity support you in retirement?
  • Do you still need to buy stuff?
  • Would you like to join the Not Your Average Financial Community?

Episode 174: Life Insurance on Your Kids

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In this episode, we ask:

  • Can you imagine yourself in a forest?
  • Why in the world would we have life insurance on a young child?
  • What about life insurance on grandchildren?
  • What about annual premium?
  • What about 20-year-old policies?
  • What’s an example?
  • What about compounding growth?
  • What about the time value of money?
  • What about uninterrupted compound growth?
  • What about tax, under current law?
  • What about changing your family tree?
  • What about risks?
  • What about cash value?
  • What about purchasing cars?
  • What about policy loans?
  • What about Bank on Yourself type whole life insurance policies?
  • What about house purchases?
  • What about international trips?
  • What about cash flow real estate?
  • What about teaching children to prepare for the next generation?
  • What about covering multiple generations?
  • What about underwriting?
  • What about tax advantages?
  • What about the outlay?
  • What about the grandparents?
  • What’s Mark’s story?
  • How might a death benefit from the matriarch or patriarch set up the family for generations?
  • How might life insurance greatly simplify the estate planning process?
  • What about creating a wealth mentality?
  • What about the psychology over multiple generations?
  • What about a mindset?
  • What about promoting an understanding?
  • How old is this idea?
  • What about the Rockefeller’s?
  • How might you educate?
  • Do you assume your child will go to college?
  • Do you assume your grandchild will go to college?
  • Who wants to push back against average advice?
  • Is the college degree now overrated?
  • What about teaching your child?
  • What about learning to think like a banker?
  • What about examples?
  • Does age matter on a policy?
  • What is the potential?
  • What about growth?
  • What about market risk?
  • What about policies on your kids?
  • What’s Anita’s story?
  • How is life insurance different in Canada?
  • What about cash value growth?
  • What about buying cars?
  • What are the benefits?
  • What are the drawbacks?
  • What is the example on Million Dollar Baby?
  • What about future grandchildren?
  • Would you like to join our NEW! Not Your Average Financial Community?

Anita Bennett, a Vancouver born and Vancouver Island raised SFU Business Graduate who started her career specializing in Marketing, has been working with families since 2010. Her first business, a play-café called Kinder Café, was located in Port Coquitlam, BC, and was dedicated to providing a safe place for the community to connect with their children.

Anita believes that having a strong financial plan & investment strategy is the backbone of every family’s future success. She is dedicated to providing families with the information that they need to start the right investment savings and protection plans for their family and their children.

Having lost her father at the age of 29, and having lived the impact of her husband having a life-threatening illness, Anita knows how important it is to have disability and life insurance to protect the financial well being of a family’s future and the standard of living.

Anita is a mother of two and a step-mother to three children. When not educating parents on financial & investment strategies, she is out playing soccer in the Metro Women’s Soccer League, as well as coaching her children’s soccer teams.

Episode 173: Am I Too Old for Bank on Yourself®? Part 2

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In this episode, we ask:

  • Did you hear Part 1 in last week’s episode, Episode 172?
  • What about Bank on Yourself® for seniors?
  • What about long term care?
  • Can an 85-year-old get life insurance?
  • What about examples?
  • How do lump sum premiums work?
  • What about riders?
  • What about growth?
  • What about guaranteed values?
  • What about inflation?
  • What is a single premium whole life policy?
  • What about health concerns?
  • What is different about underwriting?
  • What about insuring someone in your family or business?
  • What about ownership of the policy?
  • What questions should you ask?
  • What about retirement?
  • Who do you know that needs to consider this?
  • Has your retirement gone up in value every single year?
  • What about dividends?
  • How strong is the institution where your money is held?
  • What about luck?
  • What about skill?
  • What about growth and principal?
  • What about taxes on gains?
  • Can you spend the money while it’s still growing for you?
  • What about borrowing cash value?
  • What is the path toward uninterrupted compound growth?
  • Do you have a Bank on Yourself® professional to talk with?
  • What is a non-recourse loan?
  • What happens when you die?
  • Is your money liquid?
  • Are you penalized from accessing your money?
  • Is your money trapped?
  • How much can you withdraw?
  • What’s pretty cool?
  • What about retirement income?
  • What about the biggest complaints from seniors?
  • What about penalties?
  • Does your plan address the 500-pound gorilla in the room?
  • What about long term care?
  • What about activities for daily living?
  • What about giving to charity?
  • What about probate court?
  • Would you like to hear some examples?
  • What about the sandwich years?
  • What about required minimum distributions or RMDs?
  • What about a home health care benefit?
  • What about leaving a legacy?
  • Where do seniors tend to keep cash?
  • What is possible and not possible to do?
  • Would you like to call us?
  • Would you like to view Mark’s calendar and book a meeting?

Episode 170: Sick of Health Insurance? Here’s an alternative with Joel Noble and Samaritan Ministries

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In this episode, we ask:

  • What’s one of the top reasons people go broke?
  • Who is Joel Noble?
  • How does Joel define leadership?
  • What is Samaritan ministries?
  • What is a “non-insurance” way to meet medical needs?
  • What about the ongoing crisis in medical needs?
  • What is the cost of health coverage for most families?
  • What about “cutting out the middle man”?
  • What about risk assessment?
  • What about the cost?
  • What is the new program, “Given”?
  • How did Samaritan start?
  • What were price controls?
  • What are the origins of employer based health insurance?
  • How did employer based health insurance take off?
  • What about the mandate?
  • What about the penalty?
  • What about health care sharing?
  • What’s the history of health care sharing?
  • What about Mennonites and Amish barn raising?
  • What about community “pots”?
  • What about health care expenses?
  • What about monthly health care cost sharing?
  • How much does Samaritan’s network circulate monthly?
  • What about trust?
  • What’s the difference between a share and a premium?
  • How is this different from a health insurance?
  • What happens if a family misses a share?
  • Want to hear Mark’s injury story?
  • What was Mark’s experience?
  • What about Joel’s experience?
  • What other advantages are here?
  • What about community?
  • What about networks?
  • What about going out of network?
  • What about the freedom to go where you want?
  • What about assumptions?
  • Who is this not for?
  • How is insurance ingrained into our society?
  • What about medical debt?
  • What about medicare?
  • What about opting in?
  • What about a waiver?
  • What are the penalties?
  • Are there prohibited services?
  • What about medical tourism?
  • How are members incentivised to make savvy financial choices?
  • What is healthcare bluebook?
  • How might one look up procedures and providers?
  • What about the online access?
  • What about the need?
  • What are the out of pocket costs?
  • How is this different from a high deductible health plan?
  • How many people in the U.S. are doing this?
  • What does Joel wish people knew?
  • What about the affordable care act?
  • What about faith based nonprofits?
  • What happens if people become sick?
  • What about the ACA penalty for members?
  • Would you like to learn more?
  • What are the takeaways?

Joel Noble is Director of Public Policy at Samaritan Ministries International, where he has served since 2001. He directs the ministry’s legislative program, advocating with federal and state governmental bodies. He also consults for the Alliance of Health Care Sharing Ministries. Joel earned his bachelor’s degree in history education from Illinois State University, with an emphasis on political science, geography and sociology. He completed a Master of Arts in leadership studies from the Seminary at Lincoln Christian University, where his final research paper focused on what the Bible teaches on the proper jurisdiction of the family, church and civil government. He has been married to his wife, Sarah, for 19 years. They have four boys.

Episode 167: Don’t Worry, Retire Happy with Tom Hegna

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In this episode, we ask:

  • Who is Tom Hegna?
  • What was Tom taught at a young age?
  • What about savings?
  • What about a Math Party?
  • What’s the problem?
  • What needs to change?
  • What does retirement mean for Tom?
  • Are you getting any younger?
  • Can you take any of it with you?
  • What does Tom think about annuities?
  • What’s the stupidest thing someone can do?
  • What’s the difference between variable and fixed indexed annuities?
  • What about bonds?
  • What about income annuities?
  • What is retirement all about?
  • Is guaranteed lifetime income possible?
  • What about AUM (assets under management) fees?
  • What do the retirement studies say?
  • Do you have enough income for basic expenses in retirement?
  • Is there a substitute for guaranteed lifetime income?
  • Why do people rebel against the optimal?
  • What are Tom’s books?
  • What does AAA mean?
  • What does CCC mean?
  • What’s a mortality credit?
  • What else do you need to learn?
  • Would you like to work with us? See the job description here: http://bit.ly/worklg

Tom Hegna, CLU, ChFC, CASL, is an economist, author, and retirement expert. He has been an incredibly popular industry speaker for many years and is considered by many to be THE Retirement Income Expert!.

As a former First Vice President at New York Life, retired Lieutenant Colonel, and economist, Tom has delivered over 5,000 seminars on his signature “Paychecks and Playchecks” retirement approach, helping Baby Boomers and seniors retire the “optimal” way. He has condensed a large chunk of his considerable knowledge into 5 books.

 

Episode 155: Six Ways to Spend Less and Enjoy Life More

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In this episode, we ask:

    • Once upon a time, did you cut up a credit card?
    • What about six year term loans on cars?
    • What about consumer debt?
    • Where are we now?
    • Are Americans drowning in debt?
    • What’s the difference between the last recession and now?
    • What’s the bright side of the pandemic?
    • What has happened to consumer debt?
    • What is different now?
    • Are we buying as much?
    • Will we go back to the spending spree?
    • When will the debt chickens come home to roost?
    • What about relationships?
    • What about experiences?
    • Do you remember what gifts you received from the holidays 5 years ago?
    • Who is in debt?
    • What did Mark learn from Katrina?
    • What is the principle of Occam’s razor?
    • How does this principle look in action?
    • Are your subscription services multiplying?
    • Do you eat take out every night?
    • Do you have memberships?
    • Have you recently taken stock of your spending habits?
    • What are the six tips?
    • What is a want?
    • What is a need?
    • Are you sexy? Sophisticated? Cool?
    • How do advertisements affect our behavior?
    • Are you able to take a box breath?
    • What is a box breath?
    • Can you inhale for four counts?
    • Can you hold your breath for four counts?
    • Can you exhale for four counts?
    • Can you hold your breath for four counts?
    • Could you take a box breath before a purchase?
    • What’s the worst thing that can happen if I don’t purchase the thing?
    • Will buying this give lasting pleasure?
    • What about the spending pleasure meter?
      • Will the purchase be a real pleasure or a real waste?
      • How long have I wanted this?
      • Did I want this before I saw something else similar?
      • The last time I purchased a similar item, how long did the enjoyment last?
      • If I finance or charge this item, will I still be paying for it after the pleasure is gone?
      • Can I postpone this purchase for a month without causing harm, discomfort or inconvenience to myself or others?
    • What’s the score card?
    • Would you like to fill out the Spending Pleasure Meter?
    • Would you like to send a screenshot of your results to hello@nyafinancialpodcast.com?
    • How can you curb the impulse?
    • What about wrapping up the credit cards with paper stating your goal?
    • Have you written out your financial goals?
    • What really makes you REALLY happy?
    • Do you want to clean that thing?
    • What do you want to enjoy today?
    • How long does the “happy” last?
    • When is the expiration date?
    • What is perceived obsolescence?
    • Are you a visual learner?
    • Can you see yourself throwing away the item?
    • What is the hedonic treadmill?
    • What about Parkinson’s law?
    • How do we pursue happiness?
    • What is your happiness set point?
    • What about lottery winner happiness?
    • What about paraplegic happiness?
    • What about the baseline?
    • Can our long term average level of happiness change?
    • How might we impact our baseline level of well being?
    • What voluntary, internal circumstances are under our control?
    • Are we consistently and constantly grateful?
    • How does gratitude help us become a more conscious spender?
    • Do we crave material goods?
    • What about loving kindness meditation?
    • Do you notice and accept your emotions?
    • How might you simplify your life?
    • How might you find meaning and pleasure?
    • What about vocations and hobbies?
    • What are you grateful for?
    • How might you cultivate your relationships?
    • What about the mind body connection?
    • What about exercise?
    • What are your spending triggers?
    • What are some strategies?
    • Want a bonus tip?
    • What about Richard Thaler?
    • What if we took the best parts of human behavioral psychology and applied it to spending?
    • What if you moved money from savings to checking (instead of checking to savings)?
    • What did Warren Buffet say?
    • What are the takeaways?
    • Would you like an intro call with Mark?
    • What about a spending journal?
    • Could HR start depositing your check into savings instead of checking?
    • What about the spending pleasure meter?
    • Would you like to leave us a review? Send us a screenshot to hello@nyafinancialpodcast.com and we will send you a FREE book!
    • Would you like to join us for our upcoming webinar on Saturday September 12 at 10AM CT?

Episode 153: Assisted Living Investing Strategies with Gene Guarino

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In this episode, we ask:

  • Who is Gene Guarino?
  • What is the Residential Assisted Living (RAL) Academy?
  • What is it about an idea that’s time has come?
  • What is the silver tsunami of seniors?
  • What about the boomers?
  • Have you experienced a family “event”?
  • What do parents want and need?
  • Who needs help with Activities of Daily Living?
  • Who wants to stay in a single family home instead of a large facility?
  • What about community?
  • What about a single family home that is too large?
  • What about care in the home?
  • Why is there an aversion to Long Term Care insurance?
  • What about running a business?
  • What are the costs?
  • What are the start up expenses?
  • What about the location?
  • What about finding an operator?
  • What about leasing?
  • What about 5 year lease contracts?
  • What is a giant advantage of liquidity?
  • How does Gene incorporate his family into his business?
  • How might you give your kids encouragement and empowerment?
  • How might you bring your kids along?
  • Would you like to download the book or watch the webinar at ral101.com?
  • What part are you going to play in the silver tsunami?
  • Would you like to live somewhere other than your own home if you need daily assistance?
  • What can a whole life insurance policy offer?
  • What is an accelerated death benefit rider?
  • How might this rider pay for care?
  • What about observation days?
  • What are the kids learning about leadership?

Gene Guarino is the founder of the Residential Assisted Living Academy. The RAL Academy is the premier source for education in owning, operating and investing in Residential Assisted Living and senior housing. Gene has trained thousands of people from across the country how to turn single family homes into cash flow machines.

RAL Academy’s motto is Do Good and Do Well. Gene has written 4 books and hosted 3 radio shows and has spoken in 5 countries and over 50 cities in the last year alone.