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Rich Habits Podcast

Introducing the Rich Habits Podcast — a financial literacy podcast for anyone ready to take back control of their money by implementing new habits. Join Robert Croak and Austin Hankwitz every Monday and Thursday as they demystify the financial habits of the rich, share their own mistakes and shortcomings, and lay out the blueprint for you to succeed with money. Robert is a decamillionaire with 30+ years of business experience and $200M+ of company exits under his belt, while Austin is an entrepreneur in his 20s eager to learn.

Business Entrepreneurship

Episodes

September 16, 2024 4:15am

82: How to Buy Real Estate Like a Pro

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their 6 best tips on buying real estate.

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⭐️ Mortgage loan calculator, ⁠linked here!⁠

⭐️ Join our weekly email newsletter covering the stock market and the economy, ⁠click here!⁠

⭐️ Join the Rich Habits Network, ⁠click here!⁠

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💥 Get $250 when you open an account on Frec, ⁠click here!⁠

💥 To go a 30-day extended free trial with Monarch Money, ⁠click here!⁠

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⭐ Download our FREE Budgeting Template – ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐ Earn 5.1% on your savings with a High-Yield Cash Account – ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐ Trade...

September 12, 2024 4:15am

Q&A: Stock Lending, Power of Attorney, and Buying a Home in Cash

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

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⭐️ Join 440+ fellow podcast listeners in the Rich Habits Network!

Click Here: ⁠⁠https://www.skool.com/richhabitsnetwork/about⁠⁠

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⭐️ Subscribe to the Rich Habits Newsletter! Your new favorite weekly newsletter :)

Click Here: ⁠⁠https://richhabits.beehiiv.com/⁠⁠

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⭐️ Lock in your 6.9% yield with Public's Bond Account before it's too late! You only have a few weeks left before yields go down.

Click Here: ⁠⁠https://public.com/richhabits⁠⁠

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September 09, 2024 4:15am

81: The Business of Pro Sports w/ Paul Rabil

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz interview Paul Rabil about his journey as both an accomplished athlete and entrepreneur.

⭐️ Visit Paul's website: ⁠https://paulrabil.com/⁠

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⭐️ Join 443 other podcast listeners who've already subscribed to the Rich Habits Network!

⁠https://www.skool.com/richhabitsnetwork/about ⁠

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⭐️ Subscribe (for free) to the Rich Habits Newsletter. New commentary and analysis on the markets and the economy every Thursday morning!

⁠https://richhabits.beehiiv.com/⁠

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⭐️ Sign up for Blossom, a new social invest...

September 05, 2024 4:15am

Q&A: Tax-Free Income for Kids, Our Frugal Life Hacks, & Franchise Dos and Don'ts

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

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⭐️ Join 430+ fellow podcast listeners in the Rich Habits Network!

Click Here: ⁠https://www.skool.com/richhabitsnetwork/about⁠

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⭐️ Subscribe to the Rich Habits Newsletter! Your new favorite weekly newsletter :)

Click Here: ⁠https://richhabits.beehiiv.com/⁠

---

⭐️ Lock in your 6.9% yield with Public's Bond Account before it's too late! You only have a few weeks left before yields go down.

Click Here: ⁠https://public.com/richhabits⁠

...

September 03, 2024 4:15am

80: How To Be Intentional With Your Money

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz sit down with Jesse Mecham, the Founder of You Need A Budget.

We've spent the last 12-months or so sharing our own perspective on budgeting, specifically by building your own Honest Budget. During this episode, we get the perspective from the guy who created the most widely-used budgeting app on the planet!

Click here to learn more about their YNAB Method!

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⭐️ Join 425+ other podcast listeners inside of the ⁠Rich Habits Network!⁠ Livestreams answering your questions every week.

⁠h...

August 29, 2024 4:15am

Q&A: RSP vs. VOO, $5K/month For Life, & the Best Advice We've Ever Received

In this week's episode of the Rich Habits Podcast, Robert and Austin answer your questions!

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💰 Join 300+ members of the ⁠Rich Habits Network, click here!⁠

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👉 Public is your one-stop-shop for all things investing! Crypto, bonds, T-bills, stocks, and more. Be sure to sign up at ⁠⁠⁠⁠Public.com/richhabits⁠⁠⁠⁠

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👉 Join 45,000+ other investors and subscribe to the ⁠⁠⁠⁠Rich Habits Newsletter!⁠⁠⁠⁠ New editions published every Thursday.

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⭐ Download our FREE Budgeting Template – ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐ Earn 5.1% on your savings with a High-Yield Cash Account – ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐ Trade stocks, options, music royalties and crypto on Publ...

August 26, 2024 4:15am

79: 3 Additional Ways to Generate Passive Income (2024)

⭐️ Join the ⁠Rich Habits Network⁠ before September 1st to lock in your price!

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In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share three additional ways to generate yield inside of your portfolio -- especially as the Fed is now expected to begin cutting rates.

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⭐️ Open an account with ⁠Frec⁠ to begin direct indexing countless indices and automatically tax-loss harvest!

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👉 Join over 44,000+ other investors who read the ⁠⁠⁠⁠⁠⁠⁠⁠⁠Rich Habits Newsletter!⁠⁠⁠⁠⁠⁠⁠⁠⁠ We're growing by +150 subscribers every day and can't wait for you to join us :)

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⭐ Download our FREE...

August 22, 2024 4:15am

Q&A: Retirement Investing for High Earners, the 1% Rule, & the Dow Jones Industrial Average

⭐ Join the Rich Habits Network! ⁠Click Here!⁠

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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

---

👉 Public is your one-stop-shop for all things investing! Crypto, bonds, T-bills, stocks, and more. Be sure to sign up at ⁠⁠Public.com/richhabits⁠⁠

---

👉 Join 45,000+ other investors and subscribe to the ⁠⁠Rich Habits Newsletter!⁠⁠ New editions published every Thursday.

---

⭐ Download our FREE Budgeting Template – ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐ Earn 5.1% on your savings with a High-Yield Cash Account – ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐ Trade stocks, options, music royalti...

August 19, 2024 4:15am

78: How to Prepare for a Recession

⭐️ ⁠Click here to join the Rich Habits Network!⁠

There are already 185 loyal listeners who have joined, and we can't wait to have you join us too! :)

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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their three best tips for preparing for an economic recession.

After all of the headline news of economic turmoil, we wanted to make sure everyone listening to our show is completely prepared for whatever might come our way over the coming months.

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⭐️ Skip the waitlist and...

August 15, 2024 4:15am

Q&A: Betterment's Core Portfolio, Investing in Student Housing, & ARMs

⭐ Join the Rich Habits Network! Click Here!

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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

---

👉 Public is your one-stop-shop for all things investing! Crypto, bonds, T-bills, stocks, and more. Be sure to sign up at ⁠Public.com/richhabits⁠

---

👉 Join 45,000+ other investors and subscribe to the ⁠Rich Habits Newsletter!⁠ New editions published every Thursday.

---

⭐ Download our FREE Budgeting Template – ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐ Earn 5.1% on your savings with a High-Yield Cash Account – ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐ Trade stocks, options...

August 12, 2024 4:15am

77: Analyzing BlackRock’s Favorite Investment Themes (2024)

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz and joined by Jay Jacobs -- Head of Active and Thematic ETFs at BlackRock.

Jay recently published his mid-year report for 2024, and you're not going to want to miss it. Here's a link to the report in case you haven't read it yet.

In his report, Jay details two major investment themes -- AI and manufacturing.

The purpose of this episode is for our listeners to learn about investment opportunities surrounding these themes straight from the horse's mouth!

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August 08, 2024 4:15am

Q&A: Should I Buy an Investment Property, YieldMax ETFs, & Investing in My 70s

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

Should I invest my sinking fund? What's the difference between SPY and SPYI? Am I ready to buy an investment property? What do you think about YieldMax ETFs? How do I invest as someone in their 70s? What should I invest toward for an early retirement? We make $250K / year, what now?

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👉 Public is your one-stop-shop for all things investing! Crypto, bonds, T-bills, stocks, and more. Be sure to sign up at Public.com/richhabits

---

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August 05, 2024 4:15am

76: Markets Are Crashing.. What NOT To Do

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz explain what NOT to do during market corrections.

The stock and crypto markets are experiencing a healthy correction, with most indices down by -5 to -10% over the last few weeks. Over the long-term, this correction will simply be a blip on the radar.

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👉 Register for our free angel investing / pre-IPO investing webinar, ⁠⁠Click Here! ⁠⁠

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👉 Join over 43,000+ other investors who read the ⁠⁠⁠⁠Rich Habits Newsletter!⁠⁠⁠⁠ We're growing by +150 subscribers every day and can't wait for you to join us :)

...

August 01, 2024 4:14am

Q&A: Recasting a Mortgage, Starting an ATM Biz, & Arbitraging Tax Refunds

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

Should I buy an ATM business? Take out a HELOC to invest? How do I buy the dip effectively? Can I arbitrage my tax refund every year? Should we sell our home and live overseas? FXAIX vs. VOO

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Don't forget to check your email inbox this morning! The ⁠⁠Rich Habits Newsletter⁠⁠ goes out every Thursday :)

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Public has finally launched options trading...

July 29, 2024 4:15am

75: How the Fed's Rate Cuts Impact Your Money

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz break down how the Federal Reserve's rate cuts will impact your money.

Specifically they talk about the real estate market (both residential and commercial), the stock market, your high-interest debt, as well as your high yield savings accounts.

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👉 Register for our free angel investing / pre-IPO investing webinar, ⁠Click Here! ⁠

---

👉 Join over 43,000+ other investors who read the ⁠⁠⁠Rich Habits Newsletter!⁠⁠⁠ We're growing by +150 subscribers every day and can't wait for you to join us :)

---

👉 Track y...

July 25, 2024 4:15am

Q&A: Max My 401(k) or Roth IRA? Making $110K in the Military, & Should I Sell My Stocks?

In this week's episode of the Rich Habits Podcast, Robert and Austin answer your questions!

Do I max out my Roth IRA or my 401(k)? How do I best help my dad get ready for retirement? I'm a 39 year old immigrant, what next? I make $110K in the Army, do I buy or rent? I'm up 100%, should I sell my stocks?

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Don't forget to check your email inbox this morning! The ⁠Rich Habits Newsletter⁠ goes out every Thursday :)

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July 22, 2024 4:15am

74: Our Disagreements with Dave Ramsey

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their three biggest disagreements with Dave Ramsey.

Despite popular belief, we're aligned with Dave on a few things... don't have a mortgage in retirement, get rid of the high-interest car debt, etc.

However, there are a few things we completely disagree with. In this episode, we dive into them and explain our side of the story and why we believe our perspective will help the average American reach financial freedom earlier.

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💥 Join 45,000+ other investors and subscribe to...

July 18, 2024 4:15am

Q&A: I'm Stuck in an MLM, Tactically How to Start a New Biz, & Buying vs. Leasing a Car

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

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Don't forget to check your email inbox this morning! The Rich Habits Newsletter goes out every Thursday :)

---

Public has finally launched options trading on their platform! To create an account and begin trading options, ⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠

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⭐ Download our FREE Budgeting Template – ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐ Earn 5.1% on your savings with a High-Yield Cash Account – ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⭐ Trade stocks, options, music royalties and crypto on Public – ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠cl...

July 15, 2024 4:15am

73: Building a 7-Figure Empire w/ Jaspreet Singh

In this episode of the Rich Habits Podcast, we sit down with entrepreneur and real estate mogul Jaspreet Singh.

While Jaspreet is the CEO of Briefs Media, you might instead recognize him from his YouTube channel Minority Mindset.

Jaspreet shares with us why it's important to work on the business and not in the business, how he began to grow his real estate empire, and his biggest lessons along the way.

Here's Jaspreet's Instagram account and YouTube channel!

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👉 Register for our free angel investing / pre-IPO investing webinar, Click Her...

July 11, 2024 4:15am

Q&A: $500K in Savings, Defining High Interest Debt, & the Best Way to DCA

In this week's episode of the Rich Habits Podcast, Robert and Austin answer your questions!

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Should I convert my Traditional IRA into a Roth? What should I do with $500K in savings? What exactly is high interest debt? How should I allocate $120K across investments? How do I DCA a lump sum of cash? What should I do as someone making $10K / month?

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Join our pre-IPO / angel investing webinar, click here!

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Subscribe to the Rich Habits Newsletter, ⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠

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Public has finally launched options trading...

July 08, 2024 4:15am

72: Financial Checklist for Parents (Current & Future)

In this episode of the Rich Habits Podcast, Robert and Austin walk through a 10-point financial checklist every parent needs to complete.

Every single one of these points will cause a material change in the financial outcome of your child. Generational wealth is the goal, let's get there together!

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Join us for our pre-IPO & angel investing webinar! August 8th at 4p ET. Register now!

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Invest into physical gold through your Roth IRA using Preserve Gold. Click here!

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Find term-life insurance from Suriance...

July 04, 2024 4:15am

Q&A: Buy a House or Build My Base, 7% 401(k) Match, & Selling a Business for $1.5M

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

Should I buy a house or build my base? When am I ready to buy single stocks? What do I do about this match on my 401(k)? Should I max out my 401(k)? What is a bridge account? When am I ready to trade options? Should I sell my business for $1.5M?

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Subscribe to the Rich Habits Newsletter, ⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠

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Public has finally launched options trading on their platform! To create an account and begin trading op...

July 01, 2024 4:15am

71: The #1 Cause of Bankruptcy in the USA

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz get personal with their own life situations and past traumas.

We share our own perspectives on aging parents, as well as how to prevent the #1 cause of bankruptcy in the USA.

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Learn more about long-term care insurance & term life insurance by visiting Suriance's website: suriance.com/richhabits

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Join over 43,000+ other...

June 27, 2024 4:15am

Q&A: Retirement Investing as an Entrepreneur, Cashing out the 401(k), & Co-Signing Student Loan Debt

In this week's episode of the Rich Habits Podcast, Robert and Austin answer your questions!

How should I split my 401(k) between Blue Chip funds and Target Date funds? Should I pay off student loan debt or invest? What are my retirement investing options as a real estate agent in Tampa, FL? How do I increase my passive income if I get laid off at work? I want to cash out my 401(k) to invest in real estate, is this a good idea? How am I taxed on SPYI and QQQI?

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Subscribe to the...

June 24, 2024 4:15am

70: Finding an Extra $2,000 / Year to Invest

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz flip things around. Instead of talking about setting your family up for generations or optimizing your tax situation, they instead wanted to cater an entire episode around the person who's living paycheck to paycheck and trying to dig themselves out of a hole.

Personal finance is personal. We all have a unique relationship with money. Some people have it in abundance, others work countless hour every week to earn it.

Regardless of your situation, we hope this episode can help you find...

June 20, 2024 7:44am

Q&A: $320K of Student Loans, Broke Boyfriend, and $300K of Google Stock

In this episode of the Rich Habits Podcast, Robert and Austin answer your questions!

How do I talk to my boyfriend about money? Should I rollover my old 401(k)? How do I pay for $320K worth of tuition? We have $300K in Google, time to diversify? Do I buy my dream home? Where do I buy altcoins? Is the market going to crash?

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Subscribe to the Rich Habits Newsletter, ⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠

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Public has finally launched options trading on their platform! To create an account and begin trading options, ⁠⁠⁠⁠⁠click here!⁠⁠⁠

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⭐ D...

June 17, 2024 4:15am

69: This Episode Will Save You Thousands (Seriously)

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz talk about tax loss harvesting. They also welcome Mo, the CEO of Frec.com, to the show to break down direct indexing + tax loss harvesting in a more intricate way.

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...

June 13, 2024 4:15am

Q&A: Stuck in a Real Estate Investment, 3X Leverage ETFs, & HELOCs to Invest

In this week's episode of the Rich Habits Podcast, Robert and Austin answer your questions!

What return assumptions do you use? How should I add Bitcoin to my Roth IRA? What is Section 121? Should I take out a HELOC to invest? Pay cash for school or build my base? Should I use a 3X leveraged ETF? Should I sell my investment property for a loss?

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Subscribe to the Rich Habits Newsletter, ⁠⁠⁠⁠click here!⁠⁠⁠⁠

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Public has finally launched options trading on their platform! To create an account and begin trading options, ⁠⁠⁠⁠cli...

June 10, 2024 4:15am

68: Financial Concepts You Need to Know

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz break down three financial concepts you need to know.

Dividend Reinvestment Savings Rate vs. Rate of Return Net Income vs. Free Cash Flow

There are of course several other concepts that are important for building wealth and analyzing new investments, but these concepts will get anyone moving in the right direction!

Don't forget to subscribe to the new Rich Habits Newsletter! 2,300 of you already have since it's launch only 4 weeks ago :) thank you!

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👉 Discover new stock ideas and...

June 06, 2024 4:15am

Q&A: $385K of Equity, $70K in Settlement Money, and Robinhood's 3% Match

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

Should I roll over my IRA for Robinhood's match? How do I roll over my old retirement accounts? Should I pay off my car or my student loans? Can I use a promotion as an excuse to switch 401(k) providers? What do I do with $70K in settlement money? Should I sell my rental with $385K of equity?

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Subscribe to the Rich Habits Newsletter, ⁠⁠⁠click here!⁠⁠⁠

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Public has finally launched options trading on their platfo...

June 03, 2024 4:15am

67: From $66K to $2M w/ @PersonalFinanceClub

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz sit down with Jeremy Schneider from @PersonalFinanceClub on Instagram!

Jeremy sold his software company for $5M in 2015. He quickly had $2.2M deposited to his checking account. Since the exit of his company, he's grown his net worth to over $5M.

Austin and Robert ask Jeremy how he invested his money, his biggest money mistakes, and his new company.

Follow @PersonalFinanceClub on Instagram Check out Nectarine, Jeremy's new company

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👉 Join us tomorrow, June 4th, for our free options web...

May 30, 2024 4:15am

Q&A: Growth vs. Income, $100K of Student Loans, and the Pros & Cons of Real Estate Investing

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

What are the best budgeting apps? Should I want growth or income? Am I too late to retire wealthy? Mega Backdoor Roth Solo 401k? Should I buy stocks or real estate? Difference between SPYI and real estate? How do I pay off $100K in student loans? HYSA vs. T-Bills? What happens to ETFs when a stock splits?

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Subscribe to the Rich Habits Newsletter, ⁠⁠click here!⁠⁠

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Public has finally launched options trading on their platform...

May 27, 2024 4:15am

66: The Financial Playbook for Recent Graduates

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their financial playbook for recent graduates.

How to retire a multi-millionaire, excel in your career, and get across the finish line.

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Purchase shares in great masterpieces from artists like Pablo Picasso, Banksy, Andy Warhol, and more.

See important Masterworks disclosures: https://www.masterworks.com/cd

---

...

May 25, 2024 2:04pm

Q&A: Handling a $100K Salary, Investing with $50 / Month, and Downsizing

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! How should I invest for my kids? How to optimize real estate assets. Investing $50 / month as a college student. Should I make double mortgage payments? How do I handle $68K in student debt with a $100K salary? Should I prioritize a Traditional IRA or Roth IRA? Handling your idle cash when preparing to buy a house. --- Subscribe to the Rich Habits Newsletter, ⁠click here!⁠ --- Public has finally launched options trading on their platform! To create an account and begin trading options, ⁠click here! ...

May 20, 2024 4:15am

65: EXCLUSIVE Interview w/ BlackRock (Bitcoin ETF)

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz sit down with Jay Jacobs, the Head of Thematic Investing and Active ETFs at BlackRock to discuss their IBIT Spot Bitcoin ETF.

To learn more about IBIT, click here!

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Subscribe to the Rich Habits Newsletter, click here!

Join us for an Options Trading Webinar, click here!

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⭐ Download our FREE Budgeting Template – ⁠⁠click here⁠⁠

⭐ Earn 5.1% on your savings with a High-Yield Cash Account – ⁠⁠click here⁠⁠

⭐ Trade stocks, options, music royalties and crypto on Pu...

May 16, 2024 4:12am

Q&A: $100K / Year in Passive Income, QQQM vs. QQQ, and House-Hacking

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

How do I house-hack a condo? What are the best dividend ETFs? I'm 18 and need help. Why do you all like VTI and QQQ? How do I make $100K / year in passive income? How do I buy my first investment property?

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Subscribe to the Rich Habits Newsletter, ⁠click here!⁠

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Public has finally launched options trading on their platform! To create an account and begin trading options, ⁠click here!

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Regist...

May 13, 2024 4:15am

64: How to Hedge Your Portfolio (TACK) w/ Katie Stockton

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz are joined by Katie Stockton of Fairlead Strategies. Katie is a statistician with decades of experience reading price action and technical indicators.

Katie shares with us a few of her favorite strategies to identify potential winning stocks as well as how anyone can begin hedging against market volatility with (TACK).

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To learn more about Fairlead Strategies, click here.

To sign up for the Fairlead Strategies Idea Generator, click here.

To follow Katie Stockton on Twitter...

May 09, 2024 4:15am

Q&A: Book Recommendations, Stocks That Go To Zero, and Spending $7M to Buy Out a Family Member

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

Should I buy a house or continue to live with my parents? Do you have any book recommendations? I'm about to get a $21K bonus, what do I do with it? Will SPYI or QQQI ever go to $0? Should I max out my Roth 401k? I want to buy out my uncle for $7M, what do I do?

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Subscribe to the Rich Habits Newsletter, click here!

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Public has finally launched options trading on...

May 06, 2024 4:15am

63: These 3 Mindset Shifts Will Make You a Millionaire

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz talk about the three most important mindset shifts everyone must make to become a millionaire.

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Discover Yahoo Finance's redesigned website and sync your existing brokerage accounts, click here!

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Skip the waitlist and invest in blue-chip art for the very first time by signing up for Masterworks: https://www.masterworks.art/richhabits

Purchase shares in great masterpieces from artists like Pablo Picasso, Banksy, Andy Warhol, and more.

See important Masterworks disclosures: h...

May 02, 2024 4:15am

Q&A: Opening a Franchise, Selling a New Product, and Income-Producing Assets

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

Should I sell my 401k holdings? How do I avoid paying $300K for college? My San Francisco condo seems to be depreciating in value, what do I do? How should I produce income inside of my portfolio? How do I launch a card game product with no money? What should I know about franchising a business?

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Save your seat at our FREE webinar all about Direct Indexing, ⁠click here!⁠

---

⭐ Download our FREE Budgeting Templat...

April 29, 2024 4:15am

62: The Top 3 Wealth-Killers in America

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz debunk the top three wealth-killers in America.

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Save your seat at our FREE webinar all about Direct Indexing, ⁠click here!

---

⭐ Download our FREE Budgeting Template – click here

⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here

⭐ Trade stocks, options, music royalties and crypto on Public – click here

⭐ Automatically buy stock where you shop with Grifin – click here

⭐ Protect your family with term life insurance from Suriance – click here

⭐ Us...

April 25, 2024 4:15am

Q&A: Austin & Robert's Worst-Ever Investments, War Time Investing, and Solo 401(k)s

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

How do the rich invest during wars? What cryptocurrencies should I own in 2024? What is the worst investment you've ever made? Should I do a Mega Backdoor Roth Solo 401(k)? How should I approach buying a new car? Should I liquidate my Roth IRA to pay off credit card debt?

---

Public has finally introduced options trading! To learn more about trading options on Public, click here.

---

Save your seat for our Direct Indexing...

April 22, 2024 4:15am

61: Three Reasons the Stock Market Could Go Down in 2024

In this episode of the Rich Habits Podcast Robert Croak and Austin Hankwitz walk through three different reasons that could catalyze a stock market drawdown in 2024.

---

Save your seat at our FREE webinar all about Direct Indexing, click here!

---

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Purchase shares in great masterpieces from artists like Pablo Picasso, Banksy, Andy Warhol, and more. See important Masterworks disclosures: https://www.masterworks.com/cd...

April 18, 2024 4:15am

Q&A: Putting $1.6M of "Dead Equity" to Work, Selling Single Stocks, and VYM

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

Should I keep my $18K in a HYSA or choose T-Bills? What about SCHD and VYM? I'm having trouble selling my single stock investments, what should I keep and what should I sell? Should I take my new pay increase and use that to max out my employer-sponsored retirement accounts? How do I approach talking about money with my girlfriend, and soon to be fiance? I have $1.65M in 'dead equity,' what should I do?

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Save your...

April 15, 2024 4:15am

60: What To Avoid When Picking a Financial Advisor in 2024

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their three most important avoidances as it relates to finding and choosing a financial advisor in 2024.

High fee structure Bad financial products Lack of guidance and planning

---

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Purchase shares in great masterpieces from artists like Pablo Picasso, Banksy, A...

April 11, 2024 4:15am

Q&A: How to Invest $700K, Bogleheads Strategy, and Diversifying Away from Real Estate

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

How do I put $800K of "dead equity" to work? Am I invested properly as a college student? Should I build a $200K ADU in my backyard? How should I save / invest $7,800 per month? Why don't you all implement Bogleheads strategy? How should we invest a $700K windfall?

---

Save your seat at our FREE webinar all about Direct Indexing, ⁠⁠click here!⁠⁠

---

⭐ Download our FREE Budgeting Template – ⁠⁠click here⁠⁠

⭐ Earn 5.1% on your savings with a High-Yie...

April 08, 2024 4:15am

59: How to Generate Your First $1,000 of Passive Income

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their simple strategy that anyone can implement regarding passive income.

The ETFs mentioned in the call include: SPYI and QQQI

---

To watch the webinar's replay, click here!

---

⭐ Download our FREE Budgeting Template – click here

⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here

⭐ Trade stocks, options, music royalties and crypto on Public – click here

⭐ Automatically buy stock where you shop with Grifin – click here

⭐ Protect your...

April 04, 2024 4:15am

Q&A: $1M in Real Estate, Paying Off $110K in Student Loans, and Pensions

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

---

Public has finally released options trading on their platform! To learn more about all of the product features Public offers, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

---

⭐ Download our FREE Budgeting Template – click here

⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here

⭐ Automatically buy stock where you shop with Grifin – click here

⭐ Protect your family with term life insurance from Suriance – click here

⭐ Use code “Spotify” for 15% off our 4-module video course – click here

⭐ Optimize y...

April 01, 2024 4:15am

58: 3 Financial Strategies Everyone Must Know To Ensure a Happy Engagement & Marriage

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their three favorite financial strategies everyone must know to ensure a happy engagement and marriage.

Specifically, we share how important it is to be on the same page about money, retirement, as well as setting your children up for financial independence.

---

⭐ Download our FREE Budgeting Template – click here

⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here

⭐ Trade stocks, options, music royalties and crypto on Public – click here

⭐ Automatically buy stock where yo...

March 28, 2024 4:15am

Q&A: Settlements, $1,400 Car Payments, and $35K of Credit Card Debt

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! If you want to ask us a question for a future episode, feel free to send us a DM on Instagram (richhabitspodcast) or an email (richhabitspodcast@gmail.com)!

---

To listen to Public's new podcast, ⁠The Rundown, click here!⁠⁠⁠⁠

---

Public has finally released options trading on their platform! To learn more about all of the product features Public offers, ⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠

---

⭐ Download our FREE Budgeting Template – click here

⭐ Earn 5.1% on your savings with a High-Yield Ca...

March 25, 2024 4:15am

57: Diversification in 2024: Three Undiscovered Strategies

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their three favorite strategies they use to achieve diversification in their own portfolios.

By staying diversified, they're able to build wealth uncorrelated to the whims of the Federal Reserve and the stock market.

---

⭐ Download our FREE Budgeting Template – click here

⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here

⭐ Trade stocks, options, music royalties and crypto on Public – click here

⭐ Automatically buy stock where you shop with Grifin – click here

⭐ Protect...

March 22, 2024 4:15am

BONUS: Becoming a 6-Figure Solopreneur w/ Grace Wells

In this BONUS episode of the Rich Habits Podcast, we're sharing with you the first episode of Season 2 of the Mind the Business: Small Business Success Stories podcast.

Austin has been a co-host of this podcast since 2022. He has interviewed now over a dozen of other small business owners through this show, and we encourage each and every one of you to check it out.

---

We take pride in using our platform to not only share our own perspectives and strategies, but also other resources to become successful entrepreneurs.

---To...

March 21, 2024 4:15am

Q&A: $1M Inheritance, $500K in Student Loans, and Farming

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions.

---

To listen to Public's new podcast, The Rundown, click here!⁠⁠⁠

---

Public has finally released options trading on their platform! To learn more about all of the product features Public offers, ⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠

---

⭐ Download our FREE Budgeting Template – click here

⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here

⭐ Automatically buy stock where you shop with Grifin – click here

⭐ Protect your family with term life insurance from Suriance – clic...

March 18, 2024 4:15am

56: The 3 Phases of Building Financial Freedom

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz dive deep into the three phases of building financial freedom.

Everyone has to start somewhere. No matter where you are in your wealth building journey, understanding the priorities in front of you is the most important realization you can have.

---

Automatically buy stock where you shop with⁠ ⁠Grifin, click here!⁠⁠

---

Skip the waitlist and invest in blue-chip art for the very first time by signin...

March 14, 2024 4:15am

Q&A: Doubling My Income, Life Insurance, and SEP IRAs

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

---

To listen to Public's new podcast, ⁠⁠The Rundown, click here!⁠⁠

---

Public has finally released options trading on their platform! To learn more about all of the product features Public offers, ⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠

---

⭐ Download our FREE Budgeting Template – click here

⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here

⭐ Automatically buy stock where you shop with Grifin – click here

⭐ Protect your family with term life insurance from Suriance – cl...

March 11, 2024 4:15am

55: How We Find, Analyze, and Secure New Investments (Startups, Small Biz, & Stocks)

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share how they find, analyze, and secure investments into startups, small businesses, and single stocks.

Robert kicks off the episode with suggestions as to where you can find startups raising money, he then walks us through his pizza shop's February financials, and Austin rounds off the episode with a deep dive as to how he analyzes new stock ideas.

---

⁠Bizbuysell⁠, where Robert found his Pizza Shop

---

⭐ Download our FREE Budgeting Template – click here

⭐ Earn...

March 07, 2024 4:15am

Q&A: Buying a Vending Machine, Wholesaling, and Selling an Invention

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

---

Public has finally released options trading on their platform! To learn more about all of the product features Public offers, ⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠

---

⭐ Download our FREE Budgeting Template – click here

⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here

⭐ Automatically buy stock where you shop with Grifin – click here

⭐ Protect your family with term life insurance from Suriance – cl...

March 04, 2024 4:15am

54: Our Bitcoin Profit-Taking Strategies

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share a few strategies related to investing into Bitcoin. Portfolio composition, volatility expectations, and profit taking.

---

To listen to Public's new podcast, ⁠The Rundown, click here!⁠

---

⭐ Download our FREE Budgeting Template – click here

⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here

⭐ Trade stocks, options, music royalties and crypto on Public – click here

⭐ Automatically buy stock where you shop with Grifin – click here

⭐ Protect your family with term life insuran...

February 29, 2024 4:15am

Q&A: Living in a Tiny Home, Berkshire Hathaway, and Bitcoin ETFs

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

---

Public has finally released options trading on their platform! To learn more about all of the product features Public offers, ⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠

---

⭐ Download our FREE Budgeting Template – click here

⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here

⭐ Automatically buy stock where you shop with Grifin – click here

⭐ Protect your family with term life insurance from Suriance – click here

⭐ Use code “Spotify” for 15% off our 4-module video course – click here...

February 26, 2024 4:15am

53: It's Our Birthday! Rich Habits Year in Review

It's our birthday! :)

The Rich Habits Podcast is officially 1 year old and we couldn't be more grateful for the continued support each and every one of you give us. Cheers to another 700+ episodes together!

---

To listen to Public's new podcast, The Rundown, click here!

---

⭐ Download our FREE Budgeting Template – click here

⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here

⭐ Trade stocks, options, music royalties and crypto on Public – click here

⭐ Automatically buy stock where you shop with Grifin – click here

<...

February 22, 2024 4:15am

Q&A: Retiring in Your 40s, Keeping $30K in Cash, and Late Roth IRA Contributions

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

---

Public has finally released options trading on their platform! To learn more about all of the product features Public offers, ⁠⁠⁠⁠click here!⁠⁠⁠⁠

---

Watch the replay of our Covered Call webinar, ⁠click here!⁠

Check out our ⁠⁠Credit Card Benefit Matrix, click here!⁠⁠

---

⭐ Download our FREE Budgeting Template – click here

⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here

⭐ Automatically buy stock where you shop with Grifin – click her...

February 19, 2024 4:15am

52: The 3 Most Important Mindset Shifts Everyone Needs to Make

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz talk about the three most important mindset shifts they believe everyone needs to makes.

---

Skip the waitlist and invest in blue-chip art for the very first time by signing up for Masterworks: https://www.masterworks.art/richhabits

Purchase shares in great masterpieces from artists like Pablo Picasso, Banksy, Andy Warhol, and more.

---

Watch the covered call webinar replay, ⁠click here!⁠

Check out our ⁠⁠Credit Card Benefit Matrix, click here!⁠⁠

---

⭐ Down...

February 15, 2024 4:15am

Q&A: LLC vs. Sole Prop, Consolidating Investments, and the Avalanche Method

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

---

Public has finally released options trading on their platform! To learn more about all of the product features Public offers, ⁠⁠⁠click here!⁠⁠⁠

---

Watch the replay of our Covered Call webinar, click here!

Check out our ⁠Credit Card Benefit Matrix, click here!⁠

---

⭐ Download our FREE Budgeting Template – click here

⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here

⭐ Automatically buy stock where you shop with Grifin...

February 12, 2024 3:15am

51: The 3 Mistakes That Keep High-Earners Living Paycheck to Paycheck

In this episode of the Rich Habits podcast, Robert Croak and Austin Hankwitz share the three mistakes they see high-earners commonly make that cause them to live paycheck-to-paycheck.

---

Watch the covered call webinar replay, click here!

Check out our ⁠Credit Card Benefit Matrix, click here!⁠

---

⭐ Download our FREE Budgeting Template – click here

⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here

⭐ Trade stocks, options, music royalties and crypto on Public – click here

⭐ Automatically buy stock where you shop with Grifin – click her...

February 08, 2024 4:15am

Q&A: Our New Credit Card Benefit Matrix, Investing a Windfall, and Margin Loans

In this episode of the Rich Habits, Robert Croak and Austin Hankwitz answer your questions!

---

Public has finally released options trading on their platform! To learn more about all of the product features Public offers, ⁠⁠click here!⁠⁠

---

Check out our Credit Card Benefit Matrix, click here!

---

⭐ Download our FREE Budgeting Template – click here

⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here

⭐ Trade stocks, options, music royalties and crypto on Public – click here

⭐ Automatically buy stock where you shop with Gr...

February 05, 2024 4:15am

50: Real Estate is Not the Best Way to Get Rich in 2024

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz delve deep into their theory -- real estate is not the best way to get rich in 2024.

Products, brand building, and services will allow you to generate cash flow quicker (and without as much debt) than real estate. Let's dive in!

---

Public has finally released options trading on their platform! To learn more about all of the product features Public offers, ⁠⁠click here!⁠⁠

---

⭐ Download our FREE Budgeting Template – click here

⭐ Earn 5.1% on your savings w...

February 01, 2024 4:15am

Q&A: NACA Loans, Co-Signing Student Loans, and Depreciating Real Estate

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

---

Public has finally released options trading on their platform! To learn more about all of the product features Public offers, ⁠⁠⁠click here!⁠⁠⁠

---

⭐ Download our FREE Budgeting Template – ⁠click here⁠

⭐ Earn 5.1% on your savings with a High-Yield Cash Account – ⁠click here⁠

⭐ Automatically buy stock where you shop with Grifin – ⁠click here⁠

⭐ Protect your family with term life insurance from Suriance – ⁠click here⁠

⭐ Watch the replay of our covered call webinar – ⁠⁠click here⁠⁠

...

January 29, 2024 4:15am

49: Scaling a Small Business to Millions w/ Candace Nelson

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz are joined by Candace Nelson.

Candace co-founded Sprinkles Cupcakes with her husband, Charles, in 2005. In 2012, they sold the business for 10s of millions to a private equity firm.

In this conversation, we discuss scaling a business from scratch, essential mindset shifts entrepreneurs need to make, as well as the compounding effects of small efficiencies.

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You can follow Candace on TikTok, Instagram, and Substack! You can also find her book, Sweet Success, on Amazon.

---

<...

January 28, 2024 3:15am

Q&A: Stock Market All Time Highs, Roth vs. Traditional, and Arbitrage

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

---

Public has finally released options trading on their platform! To learn more about all of the product features Public offers, click here!

---

⭐ Download our FREE Budgeting Template – ⁠click here⁠

⭐ Earn 5.1% on your savings with a High-Yield Cash Account – ⁠click here⁠

⭐ Automatically buy stock where you shop with Grifin – ⁠click here⁠

⭐ Protect your family with term life insurance from Suriance – ⁠click here⁠

⭐ Watch the replay of our covered call webinar – ⁠⁠click...

January 22, 2024 4:15am

48: The 3 Most Important Financial Mistakes to Avoid in 2024

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their top three financial mistakes to avoid in 2024: carrying a balance on your credit cards, borrowing from your 401(k), and being addicted to instant gratification

---

Skip the waitlist and invest in blue-chip art for the very first time by signing up for Masterworks: ⁠https://www.masterworks.art/richhabits⁠

Purchase shares in great masterpieces from artists like Pablo Picasso, Banksy, Andy Warhol, and more.

---

Earn 5.1% APY using a Public HYCA, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Learn more about our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠...

January 18, 2024 8:59am

Q&A: Spot Bitcoin ETFs, Shiny Ball Syndrome, and Revocable Trusts

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

---

Be sure to check out Public's new ⁠⁠⁠⁠High Yield Cash Account paying 5.1% APY.⁠⁠⁠⁠ This is higher than anything else on the market and is FDIC insured up to $5M.

---

Earn 5.1% APY using a Public HYCA, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Opt-in and share your email, ⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠

Learn more about our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4-module video course!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Download our FREE Budget Template, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

To learn more about Robert: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://stan.store/RobertJCroak⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

To learn more about Austin: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://stan.store/austinhankwitz⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Contact: richhabitspodcast@gmail.com

January 15, 2024 4:15am

47: Exactly How Robert Buys Cash Flowing Businesses

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz dive deep into the intricacies of finding, negotiating, and purchasing a cash flowing business.

In case you're unfamiliar, Robert recently purchased a pizza shop in a small town outside of St. Petersburg, FL. In this episode, Austin interviews Robert about the entire process.

---

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Opt-in and share your email, ⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠

Learn more about our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4-module video course!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Download our FREE Budget Template, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

To learn more about

January 11, 2024 4:15am

Q&A: Dead Money, $400K in Savings, and ESPPs

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

---

Be sure to check out Public's new ⁠⁠⁠High Yield Cash Account paying 5.1% APY.⁠⁠⁠ This is higher than anything else on the market and is FDIC insured up to $5M.

---

Earn 5.1% APY using a Public HYCA, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Opt-in and share your email, ⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠

Learn more about our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4-module video course!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Download our FREE Budget Template, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

To learn more about Robert: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://stan.store/RobertJCroak⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

To learn more about Austin: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://stan.store/austinhankwitz⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Contact: richhabitspodcast@gmail.com

January 08, 2024 4:15am

46: Our 3 Favorite Investment Categories for 2024

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their three favorite investment categories for 2024. With that being said, this is not financial advice and we very much encourage people to do their own research.

Remember, there's no such thing as timing the market. We'll be slowly dollar cost averaging into these categories all year long.

---

Be sure to check out Public's new ⁠⁠High Yield Cash Account paying 5.1% APY.⁠⁠ This is higher than anything else on the market and is FDIC insured up to $5M.

---

...

January 04, 2024 4:15am

Q&A: ADUs, HELOCs, and $175K in Savings

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

Be sure to check out Public's new ⁠High Yield Cash Account paying 5.1% APY.⁠ This is higher than anything else on the market and is FDIC insured up to $5M.

---

Earn 5.1% APY using a Public HYCA, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Opt-in and share your email, ⁠⁠⁠⁠click here!⁠⁠⁠⁠

Learn more about our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4-module video course!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Download our FREE Budget Template, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

To learn more about Robert: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://stan.store/RobertJCroak⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

To learn more about Austin: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://stan.store/austinhankwitz⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Contact: richhabitspodcast@gmail.com

January 02, 2024 4:15am

45: Getting Rich, Not Looking Rich, in 2024

*WARNING*

This episode of the podcast includes vulgar language that might not be suitable for teenagers.

---

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz expand upon the phrase "The goal is to get rich, not look rich."

Be sure to check out Public's new High Yield Cash Account paying 5.1% APY. This is higher than anything else on the market and is FDIC insured up to $5M.

---

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Opt-in and share your email, ⁠⁠⁠click here!⁠⁠⁠

Learn more about our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4-module vide...

December 26, 2023 6:42pm

44: Your 8 Favorite Rich Habits from 2023

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz revisit your favorite 8 rich habits from 2023!

Merry Christmas, Happy Holidays, and we'll see you in 2024!

---

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---

Earn 5.1% APY using a Public HYCA, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Opt-in and share your email, ⁠⁠⁠⁠click here!⁠⁠⁠⁠

Learn more about our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4-module video course!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Download our FREE Budget Template, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

To learn more about Robert: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://stan.store/Robe

December 21, 2023 7:53pm

Q&A: FXAIX, Making Money in a Recession, and Early Retirement

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! To ask us a question for future episodes, send us an email or a DM on Instagram @richhabitspodcast.

Be sure to check out Public's new ⁠High Yield Cash Account paying 5.1% APY.⁠ This is higher than anything else on the market and is FDIC insured up to $5M.

---

Earn 5.1% APY using a Public HYCA, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Opt-in and share your email, ⁠⁠⁠⁠click here!⁠⁠⁠⁠

Learn more about our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4-module video course!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Download our FREE Budget Template, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

To learn more about Robert: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://stan.store/

December 18, 2023 4:15am

43: Our 3 Favorite Rich Habits to Implement in 2024

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their three favorite rich habits anyone can implement in 2024.

By implementing these rich habits, you'll know exactly where you stand with your money, save thousands per year in expenses, and begin to build wealth much quicker.

---

Skip the waitlist and invest in blue-chip art for the very first time by signing up for Masterworks: ⁠https://www.masterworks.art/richhabits

---

Be sure to check out Public's new ⁠High Yield Cash Account paying 5.1% APY.⁠ This is hig...

December 14, 2023 4:15am

Q&A: Fannie Mae's New Mortgage, House Repairs, and Retiring Early

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! As always, if you have a question, be sure to ask it by emailing richhabitspodcast@gmail.com or sending us a DM on Instagram @richhabitspodcast.

Stay tuned for Monday's episode where we announce the winners of the remaining $500 in gift cards!

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Be sure to check out Public's new ⁠High Yield Cash Account paying 5.1% APY.⁠ This is higher than anything else on the market and is FDIC insured up to $5M.

---

Earn 5.1% APY...

December 11, 2023 4:15am

42: How We're Introducing Bonds to Our Portfolios in 2024

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz introduce bonds -- specifically the bond ETF (BNDI) they're investing into throughout 2024 and 2025. ---

Be sure to check out Public's new ⁠High Yield Cash Account paying 5.1% APY.⁠ This is higher than anything else on the market and is FDIC insured up to $5M.

---

Earn 5.1% APY using a Public HYCA, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Opt-in and share your email, ⁠⁠⁠⁠click here!⁠⁠⁠⁠

Learn more about our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4-module video course!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Download our FREE Budget Template, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

To learn more about Robert: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://stan.store/RobertJCroak⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

To learn more about Austin: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://stan.store/austinhankwitz⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Contact:

December 07, 2023 4:15am

Q&A: $350K Salary, Paying Rent Upfront, and Our Favorite Books

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! This week's questions are specifically from Instagram.

If you have questions to ask us, send us an email at "richhabitspodcast@gmail.com," or send them on Instagram @richhabitspodcast!

---

Be sure to check out Public's new ⁠High Yield Cash Account paying 5.1% APY.⁠ This is higher than anything else on the market and is FDIC insured up to $5M.

---

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Opt-in and share your email, ⁠⁠⁠⁠click here!⁠⁠⁠⁠

Learn more about our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4-module video cou...

December 04, 2023 4:15am

41: Making & Investing Your First $100K

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their three best tips for making and investing your first $100K.

As the great Charlie Munger once said, "it's a bitch, but you gotta do it."

---

Be sure to check out Public's new ⁠High Yield Cash Account paying 5.1% APY.⁠ This is higher than anything else on the market and is FDIC insured up to $5M.

---

Earn 5.1% APY using a Public HYCA, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Opt-in and share your email, ⁠⁠⁠⁠click here!⁠⁠⁠⁠

Learn more about our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4-module video course!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Download our FREE Budget...

November 30, 2023 4:15am

Q&A: Investing only $20/month, Pressure Washing, and ESPPs

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

Fill out our listener survey for a chance to win 1 of the 10 $100 Amazon gift cards we're giving away just in time for the holiday season! Click here!

---

Be sure to check out Public's new ⁠High Yield Cash Account paying 5.1% APY.⁠ This is higher than anything else on the market and is FDIC insured up to $5M.

---

Earn 5.1% APY using a Public HYCA, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Opt-in and share your email, ⁠⁠⁠⁠click here!⁠⁠⁠⁠

Learn more about our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4-module video course!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

...

November 27, 2023 7:50pm

40: "What Even is a Target Date Fund?" w/ Rachel Aguirre (iShares)

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz travel to New York City to ask Rachel Aguirre of iShares "What even is a target date fund?"

Robert and Austin have been long-time skeptics of target date funds for various reasons. But when they heard iShares launched a new suite of target date fund ETFs -- they had to investigate.

Providing the best information possible to our listeners has always been and continues to be the primary goal of the Rich Habits Podcast.

We hope the information shared in...

November 23, 2023 4:15am

$1,000 Holiday Giveaway!

Happy Thanksgiving! We're so thankful to be on this journey with you all, and we can't wait to see what 2024 has in store.

Please fill out this 10-question survey so we can better introduce new topics, strategies, and ideas throughout future episodes.

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LINK TO THE SURVEY, CLICK HERE!

November 20, 2023 4:15am

39: Our 3 Tips If You're Starting from Scratch in 2024

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their three best tips for those of you starting from scratch in 2024 -- especially if you're in your 40s or 50s.

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Skip the waitlist and invest in blue-chip art for the very first time by signing up for Masterworks: https://www.masterworks.art/richhabits

Purchase shares in great masterpieces from artists like Pablo Picasso, Banksy, Andy Warhol, and more. See important Masterworks disclosures: https://www.masterworks.com/cd

---

Be sure to check out...

November 16, 2023 4:15am

Q&A: Mortgage Rates, Dividend Investing, and Small Biz Funding

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! We collect questions from Instagram (@richhabitspodcast), email (richhabitspodcast@gmail.com), as well as our Discord community.

Be sure to ask us a question for next week's episode!

---

Be sure to check out Public's new ⁠High Yield Cash Account paying 5.1% APY.⁠ This is higher than anything else on the market and is FDIC insured up to $5M.

---

Earn 5.1% APY using a Public HYCA, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Opt-in and share your email, ⁠⁠⁠⁠click here!⁠⁠⁠⁠

Learn more about our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4-module video course!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

...

November 13, 2023 7:46pm

38: Tax & Retirement Strategies To Do Before 2024 w/ Ankur Nagpal

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz are joined by Ankur Nagpal of CarryMoney.com.

Ankur sold his previous company, Teachable, for $250M. After receiving such a large lump sum of cash, became fascinated by tax optimization and retirement investing strategies. Today, he's the CEO and co-founder of CarryMoney.com, a platform that makes retirement investing for small business owners easy.

---

Be sure to check out Public's new ⁠⁠High Yield Cash Account paying 5.1% APY.⁠⁠ This is higher than anything else on the market and is FDIC insured...

November 09, 2023 7:46pm

Q&A: Investing for a Newborn, $100K in Cash, and Utility Patents

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

They touch on how to save for a house, investing for newborns, college tax write-offs, patenting a new product, and much more.

---

Be sure to check out Public's new ⁠⁠⁠High Yield Cash Account paying 5.1% APY.⁠⁠⁠ This is higher than anything else on the market and is FDIC insured up to $5M.

---

Earn 5.1% APY using a Public HYCA, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Opt-in and share your email, ⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠

Learn more about our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4-module video course!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Download our FREE Budget Template, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠...

November 06, 2023 7:44pm

37: Interest Rate Work-Arounds for 2024

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their three best tips for interest rate work-arounds for 2024.

Specifically, how to take advantage of them from a savings perspective, how to use them to your advantage when buying a new house, car, or boat, and how they impact your investment portfolio.

---

Be sure to check out Public's new ⁠⁠⁠High Yield Cash Account paying 5.1% APY.⁠⁠⁠ This is higher than anything else on the market and is FDIC insured up to $5M.

---

Earn 5.1% APY using a Publ...

November 02, 2023 12:13pm

Q&A: VFIAX, Dividend Investing, and $200K in Savings

In this episode of the Q&A version of the Rich Habits Podcast, Robert Croak and Austin Hankwitz discuss the difference between VOO and VFIAX, how dividend ETFs actually work, allocating $200K in savings, as well as how to start your 18-year-old kids off on the right path financially.

---

Be sure to check out Public's new ⁠⁠⁠High Yield Cash Account paying 5.1% APY.⁠⁠⁠ This is higher than anything else on the market and is FDIC insured up to $5M.

---

Earn 5.1% APY using a Public HYCA, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Opt-in and share your email, ⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠

Learn more about our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4-module vide...

October 30, 2023 12:14pm

36: Investing the Rich Habits Way

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their playbook for investing toward retirement. Specifically, they walk you through how to calculate a proper monthly budget, where to find extra funds, and exactly how to invest the money.

You've heard of a ton of different investing "playbooks." Let this one serve as the definitive truth.

---

Be sure to check out Public's new ⁠⁠⁠High Yield Cash Account paying 5.1% APY.⁠⁠⁠ This is higher than anything else on the market and is FDIC insured up to $5M.

---

E...

October 26, 2023 4:15am

Q&A: Bankruptcy, HELOCs, and Student Loans

In this episode of the Rich Habits Podcast Q&A, Robert Croak and Austin Hankwitz answer your questions! They touch on bankruptcy, HELOCs, student loans, house hacking, and growing in your career.

---

Be sure to check out Public's new ⁠⁠⁠High Yield Cash Account paying 5.1% APY.⁠⁠⁠ This is higher than anything else on the market and is FDIC insured up to $5M.

---

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Opt-in and share your email, ⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠

Learn more about our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4-module video course!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Download our FREE Budget Template, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

To learn more about Robert: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://stan.store/RobertJCroak⁠⁠⁠⁠⁠

October 23, 2023 4:15am

35: Building Generational Wealth in Your 20s & 30s

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their three best tips for building generational wealth in your 20s and 30s. Specifically, they explore the idea of private equity / small business ownership, cryptocurrency, and artificial intelligence.

---

Be sure to check out Public's new ⁠⁠⁠High Yield Cash Account paying 5.1% APY.⁠⁠⁠ This is higher than anything else on the market and is FDIC insured up to $5M.

---

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Opt-in and share your email, ⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠

Learn more about our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4-module video course!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Download our FREE Budget Template, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠...

October 19, 2023 8:04pm

Q&A: Starting From Scratch, Patents, and WTF is TSLY

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer questions received on Instagram and Discord.

If you'd like to ask a question, DM us @richhabitspodcast on Instagram or email us at richhabitspodcast@gmail.com!

---

Be sure to check out Public's new ⁠⁠⁠High Yield Cash Account paying 5.1% APY.⁠⁠⁠ This is higher than anything else on the market and is FDIC insured up to $5M.

---

Earn 5.1% APY using a Public HYCA, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Opt-in and share your email, ⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠

Learn more about our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4-module video course!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Download our FREE Budget Template, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠...

October 16, 2023 4:15am

34: Generating REAL Passive Income

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their three favorite ways to generate REAL passive income.

No, not the passive income you hear about on TikTok through vending machines or laundromats -- we're talking about REAL "make money in your sleep" passive income.

By investing into music royalties, dividend-paying ETFs, and selling covered call option contracts you can begin to inch closer toward thousands per month in REAL passive income.

Learn more about covered calls, click here!

Learn more about Shrek music royalties, click...

October 12, 2023 4:30am

Q&A: Vending Machines, Financial Advisors, and Shrek

Be sure to check out Public's new ⁠⁠High Yield Cash Account paying 5.1% APY.⁠⁠ This is higher than anything else on the market and is FDIC insured up to $5M.

---

Earn 5.1% APY using a Public HYCA, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Opt-in and share your email, ⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠

Learn more about our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4-module video course!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Download our FREE Budget Template, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

To learn more about Robert: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://stan.store/RobertJCroak⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

To learn more about Austin: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://stan.store/austinhankwitz⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Contact: richhabitspodcast@gmail.com

October 09, 2023 4:30am

33: How to Calculate Your Freedom Number

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz walk you through exactly how to calculate your "freedom number."

In other words, the amount of money you need invested to retire comfortably.

---

Be sure to check out Public's new ⁠⁠High Yield Cash Account paying 5.1% APY.⁠⁠ This is higher than anything else on the market and is FDIC insured up to $5M.

---

Earn 5.1% APY using a Public HYCA, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Opt-in and share your email, ⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠

Learn more about our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4-module video course!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Download our FREE Budget Template, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠...

October 05, 2023 8:05pm

Q&A: Student Loans, HELOCs, and the Stock Market

In this episode of the Rich Habits Podcast Q&A Edition, Robert Croak and Austin Hankwitz answer your questions about student loans, HELOCs, the stock market, and much more!

Don't forget to send us a DM on Instagram @richhabitspodcast if you'd like to be featured in future episodes.

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October 02, 2023 4:30am

32: Optimizing Your 401(k), 403(b), 457(b), or ESOP

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz breakdown employer-sponsored retirement accounts. Specifically, they explain the 401(k), 403(b), 457(b), and even ESOPs.

With over 110 million Americans having access to these retirement accounts, but less than 50% of them actually taking advantage of them, we hope this episode not only teaches you what they are but also inspires you to begin using them to build wealth.

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September 25, 2023 4:30am

31: Demystifying the Alphabet Soup of Finance

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz demystify the alphabet soup of finance. Specifically, we dive deep into 8 commonly used acronyms you might hear us finance nerds use in conversation.

Our goal of this podcast is to make personal finance and investing as approachable as possible. By breaking down these terms, we're hoping our listeners will feel more confident and secure in their own financial decisions, allowing them to build those rich habits we talk about all of the time.

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September 18, 2023 4:32am

30: Demystifying the Average Millionaire’s 7 Sources of Income

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz demystify the seven sources of income the average millionaire has in the eyes of the IRS.

Not only do we explain to you what these seven sources are, but we also provide solutions the everyday investor can use to begin working toward achieving these income streams.

We also hear from Troy Cates, co-creators of the SPYI High-Income ETF. Troy provides us with a great breakdown of the ETF's income-focused objectives as well as defines who exactly the ETF is built for.

<...

September 11, 2023 4:45am

29: The 3 Simple Steps to Wealth

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their three simple steps to wealth. By following these three simple steps, building wealth for a comfortable retirement is inevitable.

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To learn more about Robert: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://stan.stor

September 04, 2023 4:53am

28: Mindset Shift — Consumer to Wealth

In today’s episode of the Rich Habits Podcast, Robert Croak & Austin Hankwitz discuss the importance of making the mindset shift away from “consume consume consume” to “begin as an investor and building generational wealth.”

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Learn more about our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4-module video course!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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To learn more about Robert: ⁠⁠⁠

August 28, 2023 4:38am

27: The 3 Reasons Preventing You From Retiring a Millionaire

In this episode of the Rich Habits Podcast, Austin Hankwitz and Robert Croak unpack the three most common reasons we see preventing people from retiring millionaires.

Specifically, the lack of retirement goals & planning, carrying high-interest debt for years and years in effort to "preserve" a nest egg, as well as only depending on one source of income.

We also share a very special announcement with our podcast listeners!

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August 21, 2023 4:25am

26: Life Insurance: the Good, the Bad, and the Ugly w/ George Kamel

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz welcome their very first guest — self-made millionaire and Ramsey personality, George Kamel.

For months now, we've been receiving countless questions in both our livestreams and DMs asking about life insurance. Term, whole, IUL, and everything in between.

After weeks of planning, we present to you the definitive truth about life insurance alongside an expert — George Kamel. We break down all of the terminology, which one 99% of people should choose, as well as the cost ($700K) of choosing the wrong one.

Than...

August 14, 2023 4:55am

25: Demystifying the 3 Types of Income

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz demystify the three types of income, as well as how to anyone can begin building toward obtaining them.

We believe everyone should have more than just one form of income, so in this episode we’re going to walk you through the playbook as to how we’ve achieved these three forms of income thus far in our careers.

If you have a question for next week's episode, be sure to ask it through Instagram DMs! @richhabitspodcast

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Be su...

August 07, 2023 5:00am

24: Top 3 Reasons People Don't Become Rich Pt. 2

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz revisit Episode 6: the Top 3 Reasons Why People Don't Become Rich. However, in this episode they introduce three new ideas and concepts that truly put the "velocity of money" in perspective.

If you have a question for next week's episode, be sure to ask it through Instagram DMs! @richhabitspodcast

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July 31, 2023 4:30am

23: Our Biggest Financial Mistakes & How to Avoid Them

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their three biggest money mistakes. Specifically, Robert opens up about his glory days running SillyBandz, an idea he had but took the wrong advice for, as well as a nightmare real estate tenant.

We also hear from Max, Scott, and Allyson in the Q&A section of the podcast.

If you have a question for next week's episode, be sure to ask it through Instagram DMs! @richhabitspodcast

---

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July 24, 2023 4:45am

22: How the Rich Keep Getting Richer

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share three ways the rich just keep getting richer. Specifically, Robert & Austin dive deep into how the rich use leverage, real estate, and tax strategies to keep building wealth.

If you have a question for next week's episode, be sure to ask it through Instagram DMs! @richhabitspodcast

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Ea...

July 17, 2023 4:45am

21: How To Make Your Child a Millionaire

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their three favorite strategies to build wealth for minors. By leveraging these three strategies, your child will be able to stay out of student loan debt, get a jump start on their retirement investing, and won't need a co-signer come 18 years of age.

If you have a question for next week's episode, be sure to ask it through Instagram DMs! @richhabitspodcast

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July 10, 2023 4:31am

20: Catching Up Financially in Your 40s & 50s

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their top 3 ways as to how anyone can begin to "catch up" financially later in life. Wealth has NOT passed you by, it's just time to be very intentional with your money.

We talk about spending vs. investing your money, identifying and getting rid of bad debt, as well as how to truly optimize investing toward retirement.

If you have a question for next week's episode, be sure to ask it through Instagram DMs! @richhabitspodcast

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Be...

July 03, 2023 4:45am

19: Escaping the Poverty Mindset

In this episode of the Rich Habits Podcast, Robert Croak & Austin Hankwitz discuss breaking free of the poverty mindset. Specifically, getting & staying out of high-interest consumer debt, building & repairing your credit score, and how to earn (but more importantly) invest your money to build generation wealth.

Forming rich habits to one day become financially free are important, but you’ll never stick to them over the long-term unless you’ve made the shift in your mindset that you deserve to be wealthy. You can obtain wealth. No matter your upbringing, your family, or your current situation.

If...

June 26, 2023 8:15pm

18: Write-Offs Every Side Hustler & Business Owner Must Know

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their top three favorite write-offs every side hustler and business owner must know. Specifically, we dive deep into the phone bill, the home office expense, as well as the car. As stated during the show, we're not tax accountants and this is not financial, tax, or legal advice.

Also, sorry about being camera off for this episode. My allergic reaction was BRUTAL. Thank you everyone for understanding :)

If you have a question for next week's episode, be sure to ask it...

June 19, 2023 8:16pm

17: Becoming the 1st Real Estate Investor in Your Family

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their top three ways to achieve financing for your real estate investments. We've learned from hosting over 100+ livestreams now on TikTok that most of you want to become real estate investors but are tripped up from the financing. We dive deep into DSCR loans, Self-Employment loans, and 203(k) loans -- all of which can help you become the first real estate investor in your family.

If you have a question for next week's episode, be sure to ask it through Instagram DMs! @richhabitspodcast<...

June 12, 2023 8:17pm

16: Becoming Really, Really Rich

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz talk about becoming really, really rich. Specifically, how everyday people can take advantage of proven strategies and opportunities to build wealth and achieve financial freedom without "getting lucky," or winning the lottery. We walk through the strategies of buying cash flowing businesses, building a real estate portfolio, and inventing new products and technologies. This episode is one you're not going to want to miss.

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June 05, 2023 8:17pm

15: How to Build a Crypto Portfolio From Scratch, the Debt Ceiling, Revocable Trusts, and 401(k) Loans

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz walk you through how to build a crypto portfolio from scratch, what the debt ceiling headlines mean for you, 401(k) loans, revocable trusts, and how to prioritize your wealth building journey.

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May 29, 2023 8:18pm

14: Summer Side Hustles, Artificial Intelligence, Our Favorite Books, Robo-Advisors, and 401(k)s

In this episode of the Rich Habits podcast, Robert Croak and Austin Hankwitz shared their three favorite summer side hustles (including how to leverage artificial intelligence to be more productive), as well as answer questions about robo-advisors, our favorite finance books, and how to diversify your investments beyond the traditional 401(k).

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May 22, 2023 8:18pm

13: How to Become a Millionaire in a Recession, Angel Investing, and Credit Cards

In this episode of the Rich Habits Podcast, Robert Croak & Austin Hankwitz go deep into the essential mindset shifts needed to ensure investors are able to stay disciplined during a recession -- allowing them to build wealth in every economic cycle.

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May 15, 2023 8:21pm

12: Tax Loopholes for Children, Funding Your Small Business, & Selling Losing Stocks

In this episode of the Rich Habits Podcast, Robert Croak & Austin Hankwitz share their perspectives marketing, optimizing, and funding your small business -- as well as answering questions about tax loopholes, making your money work for you while saving for taxes, and selling losing investments.

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May 08, 2023 8:21pm

11: Apple's New HYSA, AI Investment Ideas, and Target Date Funds

In this episode of the Rich Habits Podcast, Robert Croak & Austin Hankwitz share their perspectives on Apple's new high-yield savings account, the recent rise of artificial intelligence, high-earner retirement accounts, target date fund beef, and how to house hack with the right tenants.

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May 01, 2023 8:22pm

10: Money Hacks for Marriage, Teen Money Tips, and PMI

In this episode of the Rich Habits Podcast, Robert Croak & Austin Hankwitz share three money hacks every engaged couple should consider doing + Q&A (setting up teens for financial success, getting PMI removed from your monthly mortgage payment, and understanding an investment's cost basis).

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April 24, 2023 8:22pm

9: New Housing Rule, Tax Loopholes, 401(k), and Debt

In this episode of the Rich Habits Podcast, Robert Croak & Austin Hankwitz introduce a new episode format -- hot takes followed by question & answer. We'll discuss the new housing rule that seemingly punishes responsible consumers, dissect the Backdoor Roth IRA, debate retirement investing, and finally share our favorite quote.

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April 17, 2023 8:23pm

8: Financial Mistakes to Avoid in Your 20s & 30s

In this episode of the Rich Habits Podcast, Robert Croak & Austin Hankwitz walkthrough three financial mistakes you should actively avoid in your 20s and 30s. It's easy to fall victim to money mistakes considering financial literacy wasn't taught in school.

This episode about buying vs. leasing a car, managing credit card debt, and balancing a housing payment is a great guide to consider when correcting the mistakes.

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April 10, 2023 8:23pm

7: Building an Investment Portfolio from Scratch

In this episode of the Rich Habits Podcast, Robert Croak & Austin Hankwitz walkthrough how to build an investment portfolio from scratch. Specifically, they share the specific names of tickers they'd build a new stock portfolio around, their real estate investment platform of choice, and alternative asset ideas.

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Learn more about our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4-module video course!⁠...

April 03, 2023 8:24pm

6: Top Three Reasons Why People Don't Become Rich

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share three reasons why people stay poor: analysis paralysis, the lack of financial literacy, as well as the fear of losing money. This is probably one of our most actionable episodes yet, so listen closely!

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March 27, 2023 8:25pm

5: Making Your First Investment (Passive Income, Real Estate, and Retirement)

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share three ways to make your first investment - specifically as it relates to generating passive income, building a real estate portfolio, and investing toward your retirement.

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March 20, 2023 8:26pm

4: Getting Started in Your 30s & 40s

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their best advice for those who might feel like building wealth has passed them by — specifically creating your new budget and holistically evaluating where you're at, making the needed changes to your life to begin implementing your new wealth building habits, and the harsh reality of catching up.

Don't forget to share this episode with a friend who could use this advice.

———

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March 13, 2023 8:26pm

3: How to Prepare for a Recession

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share three tips as it relates to preparing for a recession: building a realistic budget, polishing up your resume and cover letter, as well as diversifying your income and investments.

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March 06, 2023 8:27pm

2: Debunking the "Financial Tips" that Keep You Poor

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz debunk three "financial tips" they believe keep people poor: becoming fixated on a primary residence, avoiding debt, and quitting your 9-5 job to pursue a side hustle or passion.

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February 27, 2023 8:28pm

1: Becoming the 1st Millionaire in Your Family

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share three steps to take if you want to begin working toward becoming the first millionaire in their family: investing early and often, changing your mindset, and learning a new skill.

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February 20, 2023 9:01am

Trailer: Rich Habits Podcast

Introducing the Rich Habits Podcast -- a financial literacy podcast for anyone ready to take back control of their money by implementing new habits. Join Robert Croak and Austin Hankwitz every Monday as they demystify the financial habits of the rich, share their own mistakes and shortcomings, and lay out the blueprint for you to succeed with money.

Robert Croak is a serial entrepreneur with more than $200M in company exits under his belt. As famously known as the guy who founded the $100M company, Sillybandz, Robert is now an avid investor in restaurants real estate, equities, a...

Rich Habits Podcast

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