The IRA Cafe

Welcome back to another episode of the IRA Cafe podcast! In today’s conversation, Kyle Moody, Business Development Manager at American IRA, sits down with Beau Turner, co-founder and CEO of Abundant Minds, to demystify the world of Bitcoin and Bitcoin mining, and explore how these emerging technologies can be integrated with self-directed IRAs. Kyle and Beau guide you through the basics of Bitcoin—from its history and distinctions from traditional assets like gold, to the mining process and what makes Bitcoin truly unique as a monetary protocol grounded by energy. Beau shares his personal journey from engineering to real estate to building a seven-figure land investing and Bitcoin mining business in Oregon, recounting the ups and downs that led him to develop Abundant Minds’ turnkey mining solution for investors seeking passive income and exposure to crypto assets. Together, they dig into practical considerations for those interested in mining, such as equipment ownership, facility operations, and leveraging renewable energy for sustainability. The episode also examines the security advantages of the Bitcoin network, how self-directed IRA clients can structure investments in mining, and what sets Abundant Minds apart in the industry. Whether you’re a curious newcomer or a seasoned investor, this episode provides a comprehensive overview and actionable steps for expanding your portfolio into digital assets.Key takeaways:Bitcoin as Engineered Money: Beau explains that Bitcoin is a digital, energy-bounded asset engineered to embody all characteristics of sound money. Unlike gold (which is naturally scarce), Bitcoin’s supply is finite, verifiable on an open ledger, and highly resistant to counterfeiting or manipulation.Mining Process and Passive Income: Mining is likened to a manufacturing process that converts energy into Bitcoin, securing the network and validating transactions. Abundant Minds enables investors to own and host their mining equipment in Oregon, earning passive Bitcoin income while benefiting from depreciation.Sustainable and Secure Operations: Abundant Minds powers its mining data centers with a mix of renewable energy—primarily hydropower and nuclear—providing clients with stability, efficiency, and a strong sustainability profile. Facilities are monitored around the clock and designed for optimal uptime and security.IRA Integration and Flexibility: Self-directed IRA clients can invest in mining equipment via LLCs set up specifically for retirement accounts. This structure allows for seamless, tax-advantaged acquisition of Bitcoin, with American IRA supporting setup, funding, and compliance to safeguard retirement savings.Standout Client Service and Innovation: What sets Abundant Minds apart is its educational approach, transparent business model, and unique hash rate redirect service. If a client’s miner goes offline, Abundant Minds temporarily reallocates its own hash power to ensure uninterrupted Bitcoin earnings, aligning client and provider incentives while minimizing downtime.If you’re considering adding crypto exposure to your retirement accounts or want to learn more about the mechanics of Bitcoin and mining, don’t miss this episode—and stay tuned for Beau Turner’s upcoming educational webinar to dive even deeper into this transformative asset class.

Welcome back to another episode of the IRA Cafe podcast! In this engaging installment, host Kyle Moody, from the American IRA business development office, sits down with personal finance expert Linda Grizely. Linda is a financial educator, keynote speaker, podcast host, and personal growth coach who specializes in empowering everyday people—especially women—on their financial journeys. The conversation begins with Kyle and Linda reflecting on their recent meeting at a financial education conference, and delves into Linda’s powerful life story, from her modest upbringing and experience as a single teen mom to her progression through the financial services industry, and ultimately, her mission to serve those who feel left out of traditional financial planning.Linda shares her innovative, judgment-free approach to financial coaching, describing how she meets clients wherever they are in their journey and provides a wide range of resources, courses, and group experiences. She discusses how her focus isn’t just on dollars and cents—it’s about uncovering and transforming personal money mindsets, self-worth, and the psychological barriers that hold people back. Listeners will learn about Linda’s signature “Me Money” method, a program designed to help individuals intentionally budget for themselves and shed guilt associated with personal spending. Linda offers insights on how anyone can start their financial transformation, regardless of age, background, or perceived setbacks. She tops off the episode with practical advice for getting started on your financial goals now, rather than waiting for the “perfect” time, and introduces her podcast platform, “Real Money, Real Life,” where real-world financial challenges and solutions are explored with a variety of guests.Key takeaways:Linda Grizely’s coaching and educational approach is judgment-free and tailored for anyone feeling “behind” on their financial goals, with a special focus on women but open to all.Money mindset and personal stories play a critical role in financial decision-making; understanding the roots of financial behavior is essential for lasting change.Linda’s “Me Money” method encourages clients to intentionally budget for themselves, leading to greater self-worth and more empowered financial choices.She offers a range of services, including courses, group and individual coaching, and free consultations, meeting clients at their unique starting point without pressure or unnecessary upselling.Financial progress is not reserved for those with perfect timing, large resources, or complete information—Linda encourages everyone to “just get started” and keep making daily steps toward their goals.From real-life stories to practical strategies, this episode is packed with inspiration and actionable steps for anyone looking to advance their financial well-being—no matter where they are on their journey. Tune in to learn how authenticity and a growth mindset can transform your relationship with money and create lasting results!

Welcome back to another episode of the IRA Cafe podcast! This week, Kyle Moody is joined by Gregg Cohen, co-founder of JWB Real Estate Capital in Jacksonville, Florida. In this episode, Kyle and Gregg explore the journey from humble beginnings to building a thriving real estate investment company that serves clients from 49 states and 13 countries, managing over $1.3 billion in real estate assets. Gregg shares the pivotal moment that started his investing career, the importance of education and mentorship in real estate, and the power of leveraging self-directed IRAs for building passive income through single-family rental properties. Listeners will learn about JWB’s vertically integrated turnkey approach for landlords, why Jacksonville is poised to become the next great American downtown, and how self-directed retirement accounts unlock unique opportunities for investors. The episode also highlights JWB Cares, the company’s community-driven initiative focused on affordable housing and resident homeownership. Whether you're new to real estate investing, interested in using retirement funds to diversify your portfolio, or drawn to opportunities for community impact, this conversation offers practical insights and inspiration.Key takeaways:The Importance of Education and Mentorship: Gregg credits his early success in real estate to investing in education and relationships, which enabled him to master smart debt and navigate challenges despite starting out with limited funds and experience.Turnkey, Vertically Integrated Investing: JWB Real Estate Capital offers a fully integrated, hands-off approach—handling land purchase, new construction, tenant placement, property management, and long-term leasing all under one roof—allowing investors to be truly passive.Leveraging Self-Directed Retirement Accounts: Both speakers highlight how investors can use self-directed IRAs and solo 401ks to invest in real estate and other alternative assets, often unlocking capital and achieving tax-deferred or tax-free growth.Why Jacksonville Stands Out: Jacksonville is showcased as a high-opportunity market, with positive cash flow, above-average appreciation potential, and rapid growth—making it a prime destination for real estate investors looking for both income and long-term value.Commitment to Community: Through JWB Cares, Gregg and his team have raised over $1 million to support affordable housing. Their unique programs empower renters to become homeowners, reinforcing JWB’s mission to make a lasting local impact beyond financial returns.Tune in to discover how you can build your own portfolio, overcome barriers to entry with the right partners, and even contribute to community progress— all while planning for your financial future with self-directed investing!

Welcome back to another insightful episode of the IRA Cafe podcast! In this conversation, Kyle Moody, Business Development Manager at American IRA, sits down with Denise Appleby, owner and operator of Appleby Retirement Consulting, LLC, and widely recognized as the “IRA whisperer.” Denise brings over two decades of experience in the retirement industry, having started her career at one of the largest IRA custodians and eventually launching her own highly regarded consulting firm. In this episode, Kyle and Denise explore the nuances of self-directed IRAs, dig into common mistakes investors make with their retirement accounts, and clarify misunderstood rules around rollovers and transfers. They also break down recent legislative developments, including the “Big Beautiful Bill” and its implications for kids’ retirement savings, as well as practical guidance for solo 401(k) entrepreneurs. Denise’s practical wisdom and straightforward advice shine throughout as she helps listeners understand how to make the most of their retirement vehicles while avoiding costly missteps.Key takeaways:The Importance of Proper Guidance: Denise stresses that before engaging in self-directed IRA transactions, investors must consult with qualified CPAs, tax attorneys, or ERISA attorneys to navigate complex IRS rules and avoid prohibited transactions that could inadvertently disqualify an entire IRA.Rollover Rules and Costly Mistakes: One of the most common—and expensive—mistakes in the IRA world is misunderstanding the difference between rollovers and transfers, especially the once-per-12-month rule for IRA-to-IRA rollovers and eligibility criteria for moving employer plan assets into IRAs.Working with Employer Plans: Whether funds can be moved from an employer-sponsored plan into a self-directed IRA depends on eligibility for in-service rollovers, which is ultimately determined by plan administrators—not IRA custodians or administrators.The “Big Beautiful Bill” and Trump Accounts: While the bill didn’t directly impact IRAs, it introduced “Trump accounts”—new opportunities beginning in 2026 for parents and grandparents to start retirement savings for children from birth, even before children have earned income.Solo 401(k) Insights for Entrepreneurs: Denise highlights that solo 401(k)s can be a powerful retirement savings tool for business owners with no full-time employees, offering high contribution limits and flexibility, but warns that operational steps—like proper plan adoption and employee coverage—must be completed before year-end to maximize benefits.Whether you’re an experienced investor or just starting out, this episode offers indispensable insight into the evolving landscape of self-directed retirement accounts, the pitfalls to avoid, and the proactive steps to take so you can secure your financial future with confidence. Tune in to benefit from Denise Appleby’s expertise and learn how to make smarter decisions with your IRA!

Welcome back to another episode of the IRA Cafe podcast! Join Kyle Moody, Business Development specialist at American IRA, as he sits down for a highly informative discussion with Ryan Hughes, CEO of Non Recourse Loan and a seasoned banking and lending expert with over 25 years of experience in the industry. In this episode, Kyle and Ryan delve deep into the intricacies of non recourse loans, especially in the context of self-directed retirement accounts and real estate investing. The conversation highlights the critical differences between conventional loans and non recourse loans, explores how investors lacking full cash in their IRAs can still leverage property purchases, and examines practical considerations for both new and seasoned self-directed IRA investors. Ryan shares his professional journey, why he’s passionate about helping clients build generational wealth, and how his specialized knowledge bridges the gap between traditional banking and self-directed retirement lending. The pair walk through how non recourse loans work, factors that affect qualification, and important tax considerations like UDFI (Unrelated Debt Financed Income). Ryan also addresses common questions, practical steps for investors, and reveals the unique client-focused approach that sets his company apart.Key takeaways:Understanding Non Recourse Loans: Unlike conventional loans, non recourse loans do not require personal guarantees and are essential for self-directed IRAs purchasing real estate. This means only the property owned by the IRA serves as collateral, not the individual investor’s personal assets, which is crucial for IRS compliance.Major Differences from Conventional Loans: Non recourse loans generally require higher down payments (typically 30–40%), shorter loan terms, and are based solely on the income and value of the property, not the individual borrower’s credit or income. Conventional loans, by contrast, scrutinize the borrower’s credit, history, and offer lower down payments.The UDFI Tax Consideration: Investors using leverage inside their retirement accounts need to be aware of unrelated debt financed income (UDFI) tax, which can apply to profits proportional to the financed portion. Notably, this tax generally applies to IRAs, but Solo 401(k)s may offer an exemption for qualifying investors.Process and Requirements: Ryan walks through the process of obtaining a non recourse loan: ensuring sufficient IRA funds for the down payment, confirming the property meets rental income and reserve criteria, and understanding all associated closing costs and reserve requirements. Every detail, from deal structure to ongoing payments, must remain within the retirement account to comply with IRS rules.Expert Guidance and Diversification: Both Ryan and Kyle stress the importance of working with experienced professionals who understand self-directed IRA rules and the non recourse loan process. They encourage investors to diversify beyond the stock market into real estate, private lending, equity, and other alternative assets while emphasizing education and attention to tax implications.Whether you’re exploring ways to expand your self-directed retirement portfolio into real estate or just curious about how leverage works in an IRA, this episode offers practical knowledge, insights from an industry veteran, and clear guidance to help you invest wisely and build lasting wealth. Don’t miss Kyle and Ryan’s conversation if you’re ready to take your retirement strategy to the next level!

Welcome back to another episode of the IRA Cafe podcast! Join Kyle Moody, Business Development Manager at American IRA, as he sits down with this episode’s distinguished guest, Eric Brotman, principal and CEO of BFG Financial Advisors. With a career spanning over 25 years in financial planning and an impressive roster of credentials, including CERTIFIED FINANCIAL PLANNER™, Accredited Estate Planner®, and Certified Private Wealth Advisor®, Eric brings a wealth of knowledge and an approachable perspective to the discussion. Kyle and Eric explore the evolving role of financial advisors, how to find the right professional for your unique needs, and what makes comprehensive financial planning so critical in today’s information-saturated world. Eric shares his personal journey from an English and psychology major bound for law school to a seasoned financial advisor building a client-focused, independent firm managing nearly $1 billion in assets. He describes how BFG serves everyone from high-net-worth families to those just starting on their financial journey, always with an eye toward multigenerational planning, personalized strategy, and client empowerment.The conversation delves into the overwhelming nature of modern financial information, how social media and 24/7 news can paralyze or mislead investors, and why true value lies in tailored advice and consistent financial habits over chasing market fads. Eric introduces his book and podcast, “Don’t Retire, Graduate,” which demystifies financial literacy for audiences of all ages and walks through the major “courses” of a financial life from student loans and cash flow to legacy planning and beyond. Rounding out the episode, Kyle and Eric trade insights on how both professionals and consumers can sift through the noise, ignore the distractions, and focus on what truly drives long-term wealth building.Key takeaways:The Right Advisor Matters: Not all financial advisors are created equal understanding the difference between a fiduciary advisor and product salesperson is vital for consumers seeking truly objective, client-centered advice.Comprehensive, Coordinated Planning: Successful wealth management isn’t just about picking investments; it requires an integrated approach to legal, tax, insurance, and investment planning so nothing important falls through the cracks.Behavior and Consistency Win: Building wealth is less about high income or market timing and more about consistent, disciplined saving, paying yourself first, and sticking with a strategy over the long run even if it feels less exciting than chasing trends.Tune Out the Noise: The information age has made research and stock tips easy to find but hard to trust; most financial “news” is entertainment, not advice, and meaningful financial progress requires ignoring the distractions and focusing on your unique plan.Start Today, Not Tomorrow: The best time to begin planning for your financial future is now. Procrastination only makes reaching your goals harder the earlier you take inventory and take action, the greater your chances for long-term success.Whether you’re managing substantial assets or just getting started on your retirement path, this episode offers actionable wisdom for building confidence in your financial future. For more resources or to connect with the American IRA, visit www.americanira.com, and don’t forget to check out Eric’s “Don’t Retire, Graduate” book and podcast for further learning!

Welcome back to another episode of the IRA Cafe podcast! Join Kyle Moody, Business Development Manager at American IRA, as he hosts an insightful conversation with Kyah Ebert, a dynamic 22-year-old real estate entrepreneur based in Asheville, North Carolina. In this episode, Kyle and Kyah explore what it means to start young in real estate, the evolution of building a business from the ground up, and how the next generation of investors is breaking the mold (sometimes quite literally) as Kyah joins the call live from a coffee shop in the heart of Asheville’s forests. Kyah shares his unique journey from aspiring professional athlete to becoming a principal in a partnership managing nearly 50 vacation rental properties, focusing on both real estate ownership and innovative rental arbitrage models. Tune in for Kyah’s actionable advice on gaining industry knowledge, building sustainable business partnerships, leveraging creative deal structures, and cultivating a “why” that motivates his rapidly growing enterprise. Kyle and Kyah also discuss actionable steps for scaling a business in today’s challenging real estate market, including operating through natural disasters like Hurricane Helene, and provide a behind-the-scenes look at the resilience, adaptability, and resourcefulness young investors need to thrive. Highlights from this episode also include the importance of mastering a niche, the realities of market downturns, and the opportunities for individuals to partner or invest alongside Kyah’s group using self-directed retirement accounts.Key takeaways:Early Start and Real Estate Education: Kyah began his real estate journey in his late teens by working for free and learning every aspect of property operations, emphasizing the value of mentorship over formal education for aspiring entrepreneurs with limited resources.Business Growth and Finding a Niche: Kyah’s group now manages around 50 properties, blending owned, leased, and managed rentals. By focusing on high-quality, innovative amenities like curated interior designs and unique features such as virtual reality rooms they differentiate themselves in a competitive short-term rental market.The Power of Partnerships and Networks: Success in real estate is rooted in building a strong sphere of influence, learning from seasoned professionals, and sometimes partnering creatively such as leveraging owner financing or collaborating with builders on new construction projects.Navigating Challenges: Kyah candidly discusses the ebb and flow of the market, from post-pandemic boom times and the impact of Hurricane Helene, to how operating in turbulent periods demands resourcefulness and hands-on management to keep properties profitable and teams motivated.Investing with Purpose and Opportunity: Whether you’re interested in direct real estate investment or looking for more passive involvement, Kyah highlights opportunities for listeners to invest in his projects potentially using self-directed IRAs while staying focused on a larger “why,” such as building a legacy and supporting family.If you’re curious about how young entrepreneurs are succeeding in real estate, want actionable advice for building your own portfolio, or are interested in using retirement funds to participate in high-performing private real estate deals, this episode is a must-listen.

Welcome back to another informative episode of the IRA Cafe podcast! This time, host Kyle Moody, Business Development Manager at American IRA, sits down with Haley Gant, real estate investor and founder of Elite Mountain Mortgage. Newly based in Asheville, North Carolina, but seasoned in the real estate industry, Haley draws from a lifetime steeped in real estate investing from growing up in a family of hard money lenders in Texas to now building her own company in the Blue Ridge Mountains. Together, Kyle and Haley explore Haley's journey from being immersed in property visits as a child, to launching her career in mortgage lending, and finding her niche in short-term rental investments. The discussion touches on key moments that shaped Haley’s business path, including navigating moving across the country, adapting to the challenges and rewards of rural real estate, and building credibility in a new market. Haley also shares her experience as both an investor and a broker, and how her personal approach sets her apart from large mortgage firms. Whether you’re interested in leveraging self-directed IRAs for real estate, understanding the nuances of rural investment properties, or looking for practical advice to break into real estate investing, this episode offers valuable insights from someone who’s walked the walk.Key takeaways:Building Your Track Record: Haley’s background in real estate taught her the value of diversification and learning by doing. She emphasizes starting with what you know, managing risk, and making sure your investments don’t stretch you too thin.Real Estate and Lifestyle: Personal interests and lifestyle goals can shape viable investment opportunities; for Haley, proximity to recreational activities like mountain biking played a key role in her choice of markets.Adapting in Uncertain Environments: The real estate landscape, especially in rural or rapidly changing markets like Western North Carolina, demands adaptability, a strong network, and reliable local resources for property management and maintenance.Personalized Lending Advantage: As an independent mortgage broker, Haley sets herself apart through dedicated service, transparency, and relationship-building providing tailored loan options and advocating for client education throughout the mortgage process.Advice for New Investors: For those just starting out, Haley highlights the importance of building a genuine local network, taking a conservative approach to choice and financing, and being patient, doing your due diligence and waiting for the right deal instead of jumping at every opportunity.Whether you’re new to self-directed IRA investing, exploring non-recourse loans, or simply looking for inspiration to take your own leap into real estate, this episode delivers actionable advice, honest reflections, and an encouraging reminder that with the right connections and persistence, you can chart your own successful course in real estate.Ready to take control of your financial future? Visit us at www.iracafepodcast.com and book a free informational call. 

Welcome back to another episode of the IRA Cafe podcast! Join Kyle Moody, Business Development Manager at American IRA, as he welcomes special guest Charlie Wessel, Principal at Cordell Capital, for an engaging discussion about self-directed IRAs, relationship-building in business, and the unique investment opportunities offered through private equity real estate. In this conversation, Kyle and Charlie explore Charlie’s professional journey from general contracting in Charleston, South Carolina, to founding Cordell Capital after seeking more time with family and better ways to invest. Charlie shares the value of relationships in life and business, recounting his path from running a roofing company and managing rental houses to structuring large-scale apartment and office deals for investors, many of whom use funds from self-directed retirement accounts. You’ll gain valuable insights into how deals with Cordell Capital are structured, why accredited investor status matters, and why Charlie prioritizes conservative investment strategies. Plus, the episode dives into the practicalities of using self-directed IRAs, what clients should expect when investing, and the meaningful “why” that drives Charlie’s business and personal life.Key takeaways:Relationship-Driven Business: Charlie Wessel emphasizes that all success in business and investing is grounded in building and maintaining genuine relationships, whether with partners, clients, or collaborators, and this principle has guided him throughout his career.Transition to Private Equity Real Estate: After selling his general contracting firm to spend more time with family, Charlie discovered apartment complex investing, eventually moving into medical and law office deals and launching Cordell Capital to open up these opportunities for friends, family, and the public.Working with Self-Directed IRAs: Cordell Capital collaborates with American IRA and other custodians to help accredited investors use their retirement funds in non-traditional assets, and Charlie notes that American IRA is notably easy to work with throughout the process.Accredited Investor Requirements and Process: To invest with Cordell Capital, clients must provide an accreditation letter from a licensed CPA or attorney, and Charlie walks through the timeline and steps needed—from setting up a self-directed IRA to submitting all necessary documentation before a capital raise closes.Conservative, Transparent Investment Approach: Charlie’s conservative philosophy, inspired by his grandmother Cordell’s prudent approach to money, means Cordell Capital avoids risky short-term debt and prioritizes transparency—providing clients with comprehensive due diligence materials, regular updates, and accessible communication through their online portal.Whether you’re considering diversification for your retirement funds or simply want to understand how private equity real estate deals work, this episode offers a wealth of practical knowledge and thoughtful perspectives. Tune in to hear Charlie’s story, get expert tips on vetting investment opportunities, and discover how self-direction can help you achieve your own investment objectives while staying grounded in your personal “why.”Ready to take your financial future into your own hands? Visit IRACafePodcast.com and book a quick call to learn more.

Welcome back to another episode of the IRA Cafe podcast! Join Kyle Moody, Business Development Manager at American IRA and new host of the show, as he sits down with Pamela DeRitis, executive presence and on-camera coach and founder of Connect and Captivate. In this insightful episode, Kyle and Pamela explore the intersection of business communication, emotional intelligence, and authentic human connection—both on and off camera. Drawing from her unique journey from acting in Atlanta’s booming film industry to coaching executives and business professionals, Pamela shares how the Meisner acting technique translates into practical strategies for anyone looking to improve their presence, whether in networking, sales, public speaking, or virtual presentations. You’ll learn how foundational acting principles and improv exercises can ease the anxiety of speaking on camera and help even the most business-minded professionals connect more deeply and genuinely with their audience. Pamela also introduces her newest project, Command the Close, which is designed to help sales professionals use EQ to enhance their results. Whether you’re looking to launch a podcast, shine during webinars, or simply make more meaningful connections in your business, this episode is packed with actionable advice and heartfelt encouragement.Key takeaways:Pamela’s coaching embraces the Meisner technique, emphasizing the importance of placing your focus on the other person to foster authentic connections, reduce self-consciousness, and improve both live and virtual communication skills.The foundations program Pamela offers blends actor’s training, improv, and personalized feedback in a structured eight-session format, helping clients baseline and refine their executive presence—no acting experience required.Pamela stresses that developing emotional intelligence (EQ) and human connection skills is valuable in any setting, from sales calls and networking to video marketing and leadership, making these abilities universally beneficial beyond acting.For anyone struggling with nerves on camera or during presentations, Pamela’s top tip is to imagine speaking to one specific person related to your topic, which instantly personalizes your delivery and enhances its relevance and power.Her new Command the Close program adapts EQ and improv skills specifically for sales teams, helping shift the focus from aggressive selling to authentic problem-solving and genuine relationship-building with prospects.Tune in for practical guidance and a dose of inspiration on how to trust yourself, connect from the heart, and bring more life into your business communications. Whether you’re new to presenting or a seasoned professional, Pamela’s strategies can help you amplify your message and maximize your impact.Ready to take your financial future into your own hands? Visit us at www.americanira.com to book a call.

Welcome back to another episode of the IRA Cafe podcast! Jasmine is joined by the inspiring Teresa K. Page, an accomplished author, speaker, coach, and podcast host, who specializes in women’s leadership development and empowerment. In this engaging conversation, Jasmine and Teresa explore the transformative power of love in leadership, the journey to wholeness and purpose for women in business, and practical strategies for merging business success with personal passion.Teresa shares her unique approach to empowering women leaders using love not just as an emotion, but as a skill set for real results in organizational culture, innovation, and community impact. Listeners will discover valuable advice for early investors and business owners interested in self-directed IRAs, as well as insights drawn from Teresa’s multi-faceted career spanning education, federal government, and entrepreneurship. The discussion is rich with personal stories—like Teresa’s pivotal moments during her move from the Atlanta metro back to rural North Carolina to support her family—and highlights her ongoing mission to help women lift the lid on their own capabilities. The episode closes with Teresa’s vision for the future, including expanding her women’s leadership conferences, growing her business’s legacy, and leaving a positive, lasting impact on communities and the global economy.Key takeaways:Love as a Leadership Skill: Teresa K. Page illustrates how love can be integrated into business as a practical and innovative leadership tool to create better team dynamics, close performance gaps, and boost profitability and engagement.Invest Closely to Your Values: For business owners and self-directed IRA investors, Teresa recommends investing in ventures that align with your personal values and business objectives, emphasizing passion as a key to long-term investment success.Life Lessons Lead to Purpose: Teresa’s journey was shaped by personal and professional setbacks, which she reframed as developmental opportunities, ultimately spurring her to develop new leadership principles and practical resources for women’s growth.Action-Oriented Empowerment: Through her conference, coaching, and books, Teresa challenges women to reprioritize abandoned goals, encouraging them to take action and leverage community support to reach their full potential.Vision for Legacy and Growth: Looking ahead, Teresa is focused on expanding her book’s reach, growing her leadership conferences, and building an organization that empowers others—a legacy she hopes will endure for generations.Whether you’re a business leader, a woman ready to break through barriers, or an investor looking to align your money with your mission, this episode offers heartfelt wisdom, actionable steps, and an uplifting call to step into your greatness. Tune in and feel empowered to start your own journey toward leadership, wholeness, and impact!If you’re ready to take your financial future into your own hands, book a free consultation with a specialist now at https://americanira.com/self-directed-ira-consultation/.

Welcome back to another episode of the IRA Cafe podcast! Join host Jasmine Trocchia, head of marketing at American IRA, for an energizing conversation with Dr. Donna Smith Bellinger—a renowned sales expert, author, and consultant who has spent decades helping entrepreneurs, business owners, and professionals master “revenue-generating conversations.” In this episode, Jasmine and Dr. Donna delve into the true essence of sales, breaking down misconceptions and highlighting the foundational truth that sales is simply two parties coming to a mutually beneficial agreement. Dr. Donna shares her inspiring personal journey, from becoming a young mother facing adversity to out-earning her peers and forging a diverse, impactful career across corporate sales, tech, and business development. Listen as Dr. Donna uncovers practical strategies for increasing client acquisition, maximizing referrals, and crafting conversations that deliver real results—not just in business transactions but in building personal credibility and leadership. She discusses memorable client success stories, her approach to bridging communication gaps across gender, generation, and culture, and the concept of the “yes-timonial”—her unique formula for testimonials that showcase tangible outcomes and expertise. Whether you’re a business owner, investor, or a professional looking to up your leadership game, this episode is packed with actionable advice and inspiration to help move you from “pleased to meet you” to “thank you for your business.”Key takeaways:Sales as a Service—Not a Pitch: Dr. Donna reframes sales as simply helping two parties reach a mutually beneficial agreement, emphasizing that effective sales revolve around understanding client needs, communicating value, and focusing on service, not pressure.The Power of Communication: Success in securing clients, referrals, and leadership roles often depends on the ability to tailor communication to different audiences—across gender, generation, geography, and even professional “languages” like sales and marketing.Extracting Maximum Value: Many businesses leave significant revenue on the table by not fully understanding client needs or reaching all relevant stakeholders; Dr. Donna’s strategies help clients identify untapped opportunities and increase their bottom line.Overcoming Limiting Beliefs: Personal success requires tuning out negativity and embracing self-confidence, especially for women and minorities—a lesson Dr. Donna learned firsthand and now imparts to clients through both mindset coaching and practical business strategies.Crafting Effective Testimonials (“Yes-timonials”): Dr. Donna introduces the “yes-timonial”—a structured way of building testimonials that highlight starting challenges, discoveries and solutions, and concrete results, providing credibility and proof-of-concept to attract new business.If you’re ready to rethink your sales approach and boost your business results, don’t miss this insightful discussion with Dr. Donna Smith Bellinger. Plus, don’t forget to check out American IRA’s latest blog on self-directed HSAs at americanira.com for more investment tips and resources!

Welcome back to another episode of the IRA Cafe podcast! In this episode, Jasmine Trocchia sits down with Charly Stoever—nonbinary Latinx money coach, digital nomad, and host of the Unicorn Millionaire podcast. Charly specializes in coaching six-figure earning LGBTQ+ and BIPOC clients, guiding them toward early retirement and robust passive income through investments and savings—particularly as a self-professed "Roth freak" advocating for Roth IRAs. Jasmine and Charly cover a wide spectrum of modern money management topics, from the benefits of maximizing Roth accounts, to advice for self-directed IRA account holders, to the intersection of entrepreneurship, identity, and investment philosophy. Charly shares personal stories about transitioning from teaching to stockbroking and eventually to financial coaching, giving insight into the importance of boring, consistent investment strategies, the value of ignoring financial "noise" on social media, and the emotional aspects of wealth building—especially for those from marginalized backgrounds. The episode also explores alternative investments, the changing landscape of income streams in light of economic shifts and AI, and Charly’s unconventional digital nomad lifestyle, including international pet sitting to save on expenses. You’ll discover the importance of having a professional support network, the nuances of tax planning, and how self-awareness and intentionality are crucial for building a sustainable financial future.Key takeaways:1. The Power and Benefits of Roth IRAs Charly is a passionate advocate for Roth accounts, emphasizing their “juicy tax benefits.” They highlight the peace of mind that comes from paying taxes on retirement funds now, rather than in the future when account balances (and potentially tax rates) may be much higher. Charly also points out the importance of maximizing contributions to Roth IRAs and Roth 401(k)s as a core part of long-term wealth building.2. Stay the Course with Boring, Proven Investments A major piece of advice Charly offers is to “ignore the noise” and stick with simple, long-term investment strategies—specifically, low-cost index funds that track the S&P 500. They warn against chasing hot tips or viral trends on social media, and instead advocate for consistent, steady investing in tried-and-true assets.3. Ownership and Control in Financial Planning A core part of the conversation centers on how self-directed IRA holders—and investors in general—benefit from taking charge of their own accounts and decisions. Charly’s personal mission is to empower marginalized communities, especially LGBTQ+ and BIPOC individuals, to self-manage and understand their investments rather than relying solely on outside advisors.4. The Importance of Diversifying Income Streams Looking to the future, Charly notes that depending on a single employer or salary is riskier than ever. With layoffs happening across sectors (public, private, and tech), diversifying income—through entrepreneurship, side hustles, or investing—is key. Charly lives this out as a digital nomad, running their own business and supplementing income with things like pet sitting.5. Investing Is Emotional—Process and Perspective Matter Charly discusses how money coaching often involves “money therapy”—helping clients process emotions and beliefs around money, not just the numbers. They emphasize the importance of maintaining perspective during volatile markets and advise against panic selling. Taking the long view and understanding that downturns are normal parts of investing helps build resilience and peace of mind.Whether you’re new to self-directed IRAs, exploring nontraditional career paths, or looking for actionable tips on optimizing your retirement accounts, this episode is filled with candid advice and empowering...

Welcome back to another episode of the IRA Cafe podcast! Today, Jasmine is joined by Louisa Hext, a credentialed mediator, adjudicator, evaluator, and life coach with extensive experience supporting families through conflict, especially around estate planning, wills, and trusts. In this unique episode, Jasmine and Louisa move beyond the technical and financial aspects of estate planning to explore the deeply personal and emotional challenges that often arise when family members must make decisions about money, inheritances, and distributions after the loss of a loved one. Louisa draws on both her professional expertise and a touching personal story involving her own family and her mother’s jewelry to illuminate the very real impacts of perceived injustice, changing family dynamics, and what “fairness” looks like when emotions are high. She shares the difference between her work as a life coach, which focuses on walking alongside clients as a compassionate guide, and as a mediator or adjudicator, who helps individuals in conflict move toward constructive agreements. Together, they discuss how proactive communication, transparency, and even engaging a neutral third party can help prevent conflict before it starts and foster healing where rifts already exist. This episode offers actionable insights for anyone thinking about their legacy, navigating tricky family dynamics, or simply wanting to ensure that financial decisions leave loved ones with peace, not pain. Key takeaways: Emotional Impact of Estate Planning: Louisa highlights that one of the biggest triggers in estate planning is the shock and sense of unfairness when expectations do not align with the actual decisions made in a will or trust, often causing deep emotional rifts in families. The Moveable Goalpost of “Justice”: What feels fair or “just” can change over time as emotions evolve, with initial anger and resentment sometimes turning into a desire for healing and reconnection years later. Proactive, Transparent Communication: Open, honest family conversations before decisions become urgent can reduce misunderstandings and diffuse future conflicts, making it easier for everyone to understand the “why” behind asset distribution. The Role of Neutral Third Parties: Bringing in a mediator, life coach, or other neutral party can help facilitate difficult conversations, reduce emotional charge, and prevent confrontations from derailing estate planning or legacy discussions. Taking Care of Yourself: Louisa emphasizes the importance of self-awareness and acknowledging your own feelings during these processes, as well as being proactive in seeking support rather than resorting to avoidance or denial. Personalized Support: Estate planning and family conflict resolution are never “one-size-fits-all”—Louisa customizes her approach for every client and encourages seeking tailored guidance, whether through coaching, mediation, or group support. Whether you are currently navigating estate planning, anticipating family change, or helping a loved one manage their legacy, this episode brings the emotional considerations to the forefront—reminding us that true wealth includes healthy relationships and peace of mind. For more resources or to connect with Louisa Hext, visit embraceforgiveness.com or reach out for a complimentary discovery call. [embed]https://youtu.be/cXQ7SbzB-4o[/embed]

Welcome back to another episode of the IRA Cafe podcast! Host Jasmine Trocchia sits down with Karl Krauskopf, founder of Gold Multifamily, for a candid discussion about real estate investing, portfolio diversification, and the power of business fundamentals in the multifamily space. Karl shares his journey from a background in international business and corporate health care strategy to building a successful real estate investment company in the Pacific Northwest. Listeners will gain insight into the reasons behind his transition from residential redevelopment to value-add and turnkey multifamily properties, including the stability and scalability that come with long-term business planning. Jasmine and Karl also explore practical advice for financial education—both for children and adults, the importance of self-education and entrepreneurial thinking, and the founding values that drive Gold Multifamily’s unique company culture. The duo discusses opportunities for self-directed IRA holders to invest passively in real estate, regardless of their geographic location, and what the current and future market trends might hold for multifamily investors. Karl walks through what prospective investors should ask before getting involved, the role of due diligence, and why he believes the Seattle area offers unique advantages thanks to its strong tech-driven employment base. This episode is full of actionable wisdom for anyone interested in real estate, self-directed retirement accounts, or building a business with integrity and longevity. Key takeaways: Building Gold Multifamily: From Residential to Value-Add Multifamily: Karl shared his journey from working in health tech and running a residential remodel/development company to founding Gold Multifamily over six years ago. His company focuses on purchasing and operating multifamily properties, especially value-add projects where they improve Class B and C buildings, and recently ventured into Class A properties for further diversification. Business Mindset and Education are Key: Both Karl's academic background (degrees in international business and an MBA) and his emphasis on continuous self-education played a big role in his success. He highlighted that self-education and entrepreneurial thinking at an earlier age could have accelerated his journey and he actively seeks to instill financial literacy and entrepreneurial concepts in his own daughter. Investing Through IRAs: Flexibility and Structure: The conversation explored how Gold Multifamily’s projects can be an option for IRA investors, specifically self-directed IRA holders. Karl explained that investors select individual syndication deals (not funds), allowing them to choose their desired level of risk and diversification. Once invested, IRA participants are hands-off, ensuring compliance and true passive investment. Market Trends: Northwest Focus and Nationwide Relevance: Karl discussed how the Pacific Northwest, particularly Seattle, is poised for opportunity due to slowdowns in new apartment construction and the tech-driven job market. While current market conditions are challenging for sellers, they present opportunities for buyers, with value growth expected in coming years. He emphasizes that, while some trends are local, similar cycles are emerging nationally as supply and demand rebalance. Company Values: Relationships Matter: Karl highlighted the core values of Gold Multifamily, with “GOLD MF” serving as an acronym for the company’s principles (Growth, Obsession, Love-driven, impacting a Million Families, and Flourishing). He stressed that genuine care for employees, tenants, investors, and partners is crucial for long-term success, and that business connections should be rooted in respect and empathy—not just transactions. Tune in to learn how...

Welcome back to another exciting episode of the IRA Cafe podcast! This week, Jasmine Trocchia, head of marketing at American IRA, sits down with Amir Khan, founder of Dream Prime Homes and longtime friend of the American IRA community. Amir brings a wealth of experience both as a real estate investor and as a first-generation immigrant with a dynamic entrepreneurial background. In their engaging conversation, Jasmine and Amir dive into the story behind Dream Prime Homes, a company dedicated to revitalizing distressed single-family homes in the Midwest and providing critical opportunities for would-be homeowners and investors who may not otherwise qualify for traditional lending. Amir shares personal anecdotes, from moving to Dallas and embracing real estate, to his parallel journey as a music composer and academy owner, highlighting the intersection of his business acumen and creative pursuits. The discussion also explores current trends in real estate, how Dream Prime Homes creates value in underserved markets, and why private money lending through self-directed IRAs offers unique advantages for passive investors. Listeners will also hear about Amir’s new private money lending certification course, his philosophy of uplifting communities one neighborhood at a time, and his outlook on America’s housing crisis. Whether you’re curious about alternative real estate strategies, interested in hands-off investing, or looking for inspiration from Amir’s multifaceted path, this episode offers valuable insights and practical resources for taking control of your financial future. Key takeaways: Building Community Impact: Amir Khan explains how Dream Prime Homes acquires and rehabilitates distressed properties in underappreciated Midwest markets, offering new pathways to homeownership and revitalizing neighborhoods at risk of decline. Private Money Lending and Self-Directed IRAs: The episode highlights how investors can passively participate via private money lending, especially through self-directed IRAs, making real estate investing accessible with low minimums and without hands-on involvement. Hands-On Experience and Education: Amir shares how his background in both business and music education informs his approach, and introduces his new eight-week certification course to empower aspiring private money lenders—free for American IRA clients. Market Trends and Housing Solutions: Jasmine and Amir discuss the shortage of affordable housing, the importance of leveraging existing housing stock over new construction, and the positive long-term trends for investors who support underserved communities. Personal Growth and Mission: Amir emphasizes the importance of aligning business with personal values, helping hardworking families realize their dreams of homeownership, and building partnerships with investors focused on both financial returns and social good. Whether you're new to real estate, exploring self-directed IRAs, or seeking to make a positive impact, there’s something in this episode for you! [embed]https://youtu.be/Wg4Ux7joWhI?si=SBmUlkadagcVcG08[/embed]

Welcome back to another episode of the IRA Cafe podcast! Join Jasmine Trocchia, head of marketing at American IRA, as she sits down with the dynamic father-and-son team, Rob and Clay Stanley, managing partners at Shining Rock Equity. In this episode, Jasmine dives into the family dynamics behind this North Carolina-based real estate investment firm and unpacks the unique perspective Rob and Clay bring to multifamily real estate, investor relations, and private credit funds, all with a special highlight on the importance of due diligence and investor education. Rob, with nearly three decades in real estate, discusses his transition into multifamily projects and working closely with his son. Clay, whose expertise is in acquisitions and financial analysis, explains how Shining Rock Equity evaluates new opportunities and structures offerings for both new and seasoned investors, sharing insights on their current focus: the Aspen Private Credit Fund. The conversation also explores how working with family impacts Shining Rock’s business culture, what the Stanleys see for the future of real estate, and the regional and market-specific trends they are watching for 2025 and beyond. Jasmine poses thoughtful questions around advice for new investors, best practices for performing due diligence, and how to approach investing through a self-directed IRA. Whether you’re new to real estate investing or seeking more sophisticated strategies, this episode is packed with expertise and practical advice. Key takeaways: Early Action in Real Estate: Rob and Clay both stress the value of getting involved in real estate early, encouraging new professionals and investors to take their time but remain proactive in seeking educational opportunities and deals. Multi-Generational Family Business: Shining Rock Equity stands as a true family enterprise, involving multiple family members and leveraging shared trust and values to enhance business operations and client relationships. Private Credit Fund Strategy: The Aspen Private Credit Fund, Shining Rock’s current active offering, is designed to appeal to investors seeking lower-risk, more stable returns. The fund works by lending investor capital to commercial real estate borrowers, with returns generated through interest and fees. Emphasis on Due Diligence: The Stanleys highlight the importance of rigorous due diligence not only on deals, but also on operators, and encourage investors to build relationships with firms to ensure alignment of values and trust. Market Outlook: Clay provides a macro-level view of multifamily trends, noting a short-term oversupply in certain Sunbelt markets, but anticipating strong rent growth in the coming years due to a pipeline drop-off in new development starts. Advice for New Investors: Both Rob and Clay underscore the importance of understanding investment risks and advocate for investors to ask questions, understand sponsor track records, and prioritize personal comfort and trust before committing funds. Client-Centric Approach: Shining Rock Equity works with a broad range of investors and is committed to providing education and guidance, especially for those using self-directed IRAs for real estate investments. Whether you’re looking to better understand multifamily real estate investing, want tips on working with family members, or need practical guidance for making your first alternative investment with your IRA, this episode of the IRA Cafe offers valuable insights and actionable advice straight from experienced industry professionals. Tune in to learn how to take your investment journey to the next level! [embed]https://youtu.be/5n7pauo4yXQ[/embed]

Welcome back to another episode of the IRA Cafe podcast! Join Jasmine Trocchia, head of marketing at American IRA, as she hosts an insightful discussion with our guest, Eric Brotman, CFP®, CEO of BFG Financial Advisors and a seasoned financial planner with over thirty-one years of experience. In this episode, Jasmine and Eric explore the intricacies of financial planning, the importance of continuous learning, and the evolving landscape of financial advice. Eric introduces his latest book, "Don't Retire Graduate," a guide designed to help readers achieve financial independence through a relatable, first-person narrative that emphasizes fun and practicality. Eric shares his journey into the financial world, from an English major who stumbled upon finance by accident to becoming a leader in his field. He delves into his mission of educating individuals on managing their finances to elevate them to higher financial success. Through lively anecdotes, Eric illustrates that authentic connections and strategic networking fueled his career growth, showcasing how grit and adaptability are key components in reaching one's professional aspirations. Key takeaways: Continuous Education and Credentialing: Eric Brotman highlights the importance of ongoing education and certifications in the financial planning industry. His journey from English major to CEO underscores the value of diverse learning experiences and credentials such as CFP, AEP, and CPWA to achieve expertise and credibility. Relationship Building over Cold Calling: Eric's career flourished through genuine networking and relationship-building rather than cold calling. He engaged extensively with community groups and professional organizations to establish trust and connections, emphasizing authenticity in client relationships. Mentorship in Career Development: A pivotal moment in Eric's career was meeting a mentor who complemented his abilities and ambitions, exemplifying the significance of mentorship in professional growth and the founding of BFG Financial Advisors. Evolution of Retirement Concepts: "Don't Retire Graduate" presents a new perspective on retirement, focusing on fulfillment and autonomy rather than the mere absence of work. Eric advocates for redefining retirement as a period of choice and personal growth. Future Financial Industry Trends: Eric foresees a vast wealth transfer between generations amid a shortage of financial advisers, highlighting the need for young professionals to pursue careers in financial advisory to fill the impending gap and capitalize on unprecedented opportunities. Financial Planning and Independence: Emphasizing the importance of having a solid financial plan, Eric encourages listeners to start planning now, regardless of age, to secure financial stability and independence. His message urges individuals to prioritize financial planning over daily distractions. [embed]https://youtu.be/8tUMKDVPoLc[/embed] About Eric Brotman, CFP® Eric D. Brotman, CFP®, is the CEO of BFG Financial Advisors and author of the award-winning book, Don’t Retire… Graduate! He and his team believe that financial literacy is the key to financial freedom, so they provide free and affordable educational resources and accessible financial planning with no asset minimums.

Welcome back to the IRA Cafe podcast. In this episode, your host, Jasmine Trocchia, sits down with Whitney Elkins-Hutten, the Director of Investor Education at passiveinvesting.com. Whitney shares her journey from accidental investor to real estate guru, emphasizing the importance of mentorship and strategic action. You'll get insights on how to avoid common financial pitfalls, build a robust investment portfolio, and the significance of educating the next generation about wealth management. Plus, don't miss Whitney's tips on identifying and leveraging current market trends to enhance your financial future. Tune in for a treasure trove of knowledge that promises to elevate your financial savvy and investment strategies!Key Takeaways:Path to Real Estate: Whitney's journey began in 2002 when a breakup left her with a house to manage. Turning challenge into opportunity, she filled the house with roommates and completed a profitable flip, sparking her passion for real estate.The Role of Education: Whitney emphasizes the importance of learning and mentorship. From leveraging resources like books to seeking mentors, she highlights how education has been pivotal in her success.Asset Strategies: Whitney explains strategies for leveraging real estate investments, focusing on capital preservation, cash flow creation, appreciation, and diversification. She underscores the need to adapt strategies based on market conditions.Future Trends: Looking forward, Whitney discusses the significance of debt-like structure investments, emphasizing the opportunities in being "the bank" in times of capital constraints.Personal Finance Wisdom: Sharing advice for her younger self and for her daughter, Whitney stresses the importance of understanding money, leveraging compounding interest, and taking strategic, informed action to build a secure financial future.This episode is packed with practical advice and inspiration for anyone looking to expand their knowledge of real estate investing and achieve financial freedom. Tune in to hear more from Whitney Elkins-Hutten. Plus, Jasmine will be answering a common listener question about obtaining an EIN number for IRA investments.For more information on American IRA and self-directed IRAs, or to have your questions answered on the podcast, reach out to Jasmine at marketing@americanira.com.

In this episode of the IRA Cafe podcast, Jasmine Trocchia, head of the marketing department at American IRA, engages in an insightful conversation with Deidre Mazzoni.Deidre is a seasoned real estate investor from Clover, South Carolina, who has been active in the field since 2016. She is also a mindset coach, specializing in helping professionals make the most of their connections and relationships while enhancing their business outlook. Deidre’s background in NLP (Neuro-Linguistic Programming) allows her to guide clients in overcoming limiting beliefs and fostering positive business relationships. Additionally, she is involved in multiple real estate groups, contributing to the community both on and offline.Key Takeaways:Mindset Coaching: Deidre emphasizes the importance of language and mindset in business relationships. By addressing limiting beliefs through NLP, individuals can unlock their full potential and build stronger connections.Real Estate as a Relationship Business: Deidre underscores that successful real estate investing is deeply rooted in cultivating relationships, stressing the importance of understanding and connecting with people involved in all transactions.Community Involvement: Deidre and her husband are actively involved in real estate groups, such as the Build Group in Belmont, NC, to foster learning and networking among investors and service providers.Optimism and Opportunity: Looking ahead to 2025, Deidre sees a trend of optimism and advises capitalizing on this positive momentum for personal and professional growth.Investment Advice: Deidre advocates for early and consistent investment, particularly in real estate, to reap long-term benefits. She stresses the value of starting small and investing frequently.Personal Interests: Beyond real estate, Deidre enjoys traveling and animal welfare. Her personal passions align with her belief in leveraging individual contributions to improve the world.Reaching Out: Listeners are encouraged to reach out to Deidre for discussions on investing or mindset improvement, highlighting her desire to assist others in their professional journeys.American IRA’s Role: The episode concludes with a Q&A segment addressing how self-directed IRAs work, emphasizing American IRA’s personalized, hands-on approach to helping clients with alternative investments.Learn more about Deidre's work and connect with her through social media or by visiting her website, Anchor Point Properties. For further exploration of topics discussed, visit American IRA’s website or contact them directly for more information on self-directed IRAs.