Episode 64: The 2 Types of Private Lending Clients (And Which Ones Make You Money)
Not all borrowers are created equal. Some will make you consistent, predictable returns, and others could cost you everything. The difference often comes down to understanding exactly who you’re lending to.In this episode of Growing the Money, Rich Lennon breaks down the two main types of private lending clients you’ll encounter: real estate investors and lazy money clients. He dives deep into the subtypes of investors, from first-time flippers to experienced operators to those scaling aggressively, and reveals which ones can help you grow your wealth safely, and which ones carry red flags you can’t ignore. Want the exact blueprint Rich uses to lend safely and profitably? You’ll Learn How To:Spot the difference between safe borrowers and risky onesUnderstand why newbie flippers can sometimes be better clients than veteransStructure deals so borrowers always have skin in the gameRecognize the warning signs of scaling investors who may be overleveragedProtect yourself with strategies like reverse draws and life insurance policiesWho This Episode Is For:New private lenders looking to understand who they should and shouldn’t lend toInvestors who want to grow their lending business without unnecessary riskAnyone seeking a clear framework to protect capital while earning strong returnsWhy You Should Listen:Your money is only as safe as the borrower you trust it with. This episode gives you the clarity to choose clients wisely, protect your capital, and build a lending business that lasts. Instead of guessing who’s a good borrower, you’ll walk away knowing exactly what to look for, and what to avoid.What You’ll Learn in This Episode:[00:00] Why scaling investors can be both your best and riskiest clients[01:00] The two main types of private lending clients you’ll encounter[02:00] How real estate investors create opportunities through distressed properties[04:00] The three types of fix-and-flip borrowers: newbie, experienced, and scaling[06:00] Why skin in the game is non-negotiable for any borrower[08:00] Red flags that scaling investors may be running on shaky numbers[09:00] How to protect yourself with clear terms and smart safeguardsFollow Rich Lennon here:Website: https://richlennon.com/Facebook: https://www.facebook.com/rich.lennon.121Instagram: https://www.instagram.com/richlennon92/
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Episode 63: The 2 Documents Every Private Lender Must Master (Before Your First Loan)
If you don’t understand the paperwork, you shouldn’t be lending money. Period. Two key documents stand between you and losing your shirt on a bad deal, and most new lenders barely know what they say.In this episode, Rich Lennon breaks down the note and deed of trust or mortgage, depending on your state in plain English. You’ll learn what they do, what they protect, and what absolutely must be in them before you ever wire a single dollar. Whether you’re lending for the first time or tightening up your process, this episode will help you stay protected. You’ll Learn How To:Understand the difference between a note and a deed of trust (and why both matter)Write clear, enforceable loan terms that protect you as the lenderAvoid lending to owner-occupants and stay compliant with federal regulationsRequire proper insurance, tax payments, and personal guarantees to reduce riskRecord your lien correctly so you can foreclose if neededWho This Episode Is For:New private lenders who want to avoid costly rookie mistakesExperienced investors who need to tighten up their loan paperworkAnyone looking to protect their money and sleep better at nightWhy You Should Listen:Too many lenders jump into their first deal without fully understanding the documents that make their loan enforceable. This episode gives you the clarity you need to lend with confidence, avoid unnecessary risk, and protect your capital in any market.What You’ll Learn in This Episode:[00:00] Why are these two documents the foundation of safe lending[01:00] The note: what it is, what it says, and why it’s private[02:00] Key terms every note should include (interest, points, payment schedule)[04:00] Why first-position lending is the safest move [05:00] Insurance and tax requirements that protect your investment [06:00] The importance of personal guarantees [07:00] The deed of trust or mortgage: your public-facing protection [08:00] How does this document give you the right to foreclose if needed [09:00] Why getting educated first is the smartest money move you can makeFollow Rich Lennon here:Website: https://richlennon.com/Facebook: https://www.facebook.com/rich.lennon.121Instagram: https://www.instagram.com/richlennon92/
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Episode 62: The Executive Order That Threatens Every Private Lender’s Financial Freedom
You can’t build wealth without freedom. And right now, a new executive order is threatening one of our most fundamental rights, the kind that keeps your wealth safe and protected.In this episode, Rich Lennon breaks his usual no politics rule to talk about a controversial executive order and why it should matter to every investor, lender, and entrepreneur. This isn’t about taking sides; it’s about understanding how government overreach can threaten the very freedom you rely on to grow and protect your money. If you’ve ever wondered how politics could actually impact your wealth, this is a must-listen.You’ll Learn How To:Understand why freedom and wealth are inseparableSpot the warning signs when government actions threaten property rightsThink like a steward of your wealth, beyond just making moneyProtect your assets if things head in the wrong directionStay principled and proactive, even when politics gets messyWho This Episode Is For:Private lenders who want to keep their money safe, not just grow itBusiness owners and investors who care about long-term wealth protectionAnyone who feels uneasy about where the country is headed Why You Should Listen:This episode isn’t about party lines; it’s about protecting the freedom that makes wealth possible in the first place. You’ll walk away with a clearer understanding of why this moment matters, and how to stay ahead of changes that could impact your money, your family, and your future.What You’ll Learn in This Episode:[00:00] Why freedom is the foundation of wealth-building[01:00] The executive order that sparked this episode[02:00] What China can teach us about wealth without freedom[04:00] The Supreme Court precedent that protects this right[06:00] Why letting the executive branch bypass the Constitution is dangerous[08:00] How government overreach puts your financial security at risk[09:00] Why Rich believes every wealth builder should pay attention nowFollow Rich Lennon here:Website: https://richlennon.com/Facebook: https://www.facebook.com/rich.lennon.121Instagram: https://www.instagram.com/richlennon92/
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Episode 61: The Tax Bill Pivot That’s Making Private Lenders Rich (Here’s What I Changed)
What if you could slash your tax bill, keep more of what you earn, and grow your wealth even faster, all without working harder?In this episode, Rich Lennon shares the big pivot he’s made in his own investing strategy over the last few months, and why it’s putting him in a position to win big while others sit on the sidelines. He breaks down how he’s combining private lending with strategic property buys to create cash flow and massive tax advantages. If you’re tired of feeling crushed every April, this episode could change the way you look at your entire business.You’ll Learn How To:Use cost segregation and bonus depreciation to legally lower your taxable incomeTurn rental properties into powerful tax shelters, even if flipping is your main businessSpot the opportunity when other investors are leaving the marketBalance lending, flipping, and holding for maximum financial benefitBuild a strategy that keeps your money working while minimizing your tax burdenWho This Episode Is For:Private lenders and investors who are tired of giving so much away to taxesFlippers and wholesalers who want to keep more of their profitsAnyone looking for a smarter way to combine investing strategies for wealth buildingWhy You Should Listen:This episode isn’t just about making more money; it’s about keeping more of what you already make. Rich shares exactly how he’s using the tax code to protect his income, create paper losses, and set his family up for long-term wealth. If you’ve ever wondered how wealthy investors seem to legally pay so little in taxes, you’ll walk away with the blueprint.What You’ll Learn in This Episode:[00:00] The big pivot Rich made and why[02:00] Why investors are leaving the market, and why that’s a buying opportunity [04:00] The tax benefits that made Rich jump back into buying homes[06:00] How cost segregation and bonus depreciation really work[07:00] Real-life numbers: turning $200K in profit into $20K of taxable income[09:00] How to apply losses to other revenue streams like lending[10:00] Why this strategy is Rich’s #1 wealth-building move right nowFollow Rich Lennon here:Website: https://richlennon.com/Facebook: https://www.facebook.com/rich.lennon.121Instagram: https://www.instagram.com/richlennon92/
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Episode 60: Why I’ll Never Go Back to Traditional Investing – 6 Reasons + 1 Reality Check
Ever feel like traditional investing keeps you trapped waiting on the market, watching your account swing, and hoping for a good year? That's how Rich Lennon feels. That’s why he left it behind for good.In this episode, Rich Lennon shares six powerful reasons why private money lending has completely changed his life and one honest reality check he still wrestles with. If you’ve ever wondered what it’s really like to step off the Wall Street rollercoaster and take control of your money, this one’s for you. You’ll Learn How To:Build a business (and a life) that lets you put your kids on the bus every morningCreate freedom in your schedule so you don’t make business decisions after 2 PMTravel without worrying about money stopping while you’re goneSurround yourself with high-level, like-minded people who push you to growUse tax-free vehicles to compound your money at 30%+ returnsWho This Episode Is For:Investors are tired of waiting for the market to recover to feel wealthyPeople are craving more control, flexibility, and freedom in their scheduleAnyone curious about how to replace the grind with a lifestyle business that works anywhereWhy You Should Listen:This episode isn’t just about making more money; it's about taking back your time, designing your day, and creating true financial security. You’ll walk away knowing why private lending beats traditional investing and what trade-offs to expect if you make the leap.What You’ll Learn in This Episode:[00:00] Why this topic hit home as my kids went back to school[01:00] The freedom private lending gives me to design my mornings[02:00] How I teach others without creating competitors[03:00] Reclaiming afternoons and avoiding burnout decisions[04:00] How I travel without sacrificing income[06:00] The kind of people private lending puts in your circle [07:00] Building wealth tax-free and why it matters [08:00] The one struggle I still face as a lender and how I handle itFollow Rich Lennon here:Website: https://richlennon.com/Facebook: https://www.facebook.com/rich.lennon.121Instagram: https://www.instagram.com/richlennon92/
Want to grow your money at 30% to 50% per year—without the stock market rollercoaster, soul-crushing 80-hour workweeks, or gambling on risky get-rich-quick schemes?Do you crave financial freedom but feel stuck in the outdated “work harder, save more, retire someday” model?Welcome to The Growing the Money Podcast, where host Rich Lennon pulls back the curtain on the wealth-building strategies the banks, billionaires, and ultra-wealthy use every day to grow their fortunes—strategies that YOU can start using today.If you’re ready to take control of your financial future, this podcast is your shortcut to creating sustainable, long-lasting wealth. Forget Wall Street’s 4% “safe” retirement model or risky investment fads. Instead, Rich will show you how to build wealth smarter, faster, and with less risk—all while keeping your time and sanity intact.Whether you’re a:Real estate investor looking to scale your portfolio without overleveraging...Private money lender searching for higher, more predictable returns...Entrepreneur ready to grow your income streams and outsmart traditional financial systems...Or a professional tired of working harder just to stay stuck in the rat race...This show is your blueprint to financial freedom.Every week, Rich shares his proven money frameworks—strategies designed to grow your wealth faster and more sustainably, all while protecting what you’ve worked so hard to build. You’ll learn how to:Achieve 30% to 50% annual returns without relying on the stock market or complex schemes.Put your money to work for you, so you’re not trading your time for dollars.Avoid the pitfalls that keep most people broke and stressed about money.Unlock the same wealth-building secrets banks and the rich use to grow their empires.But this is more than just a podcast—it’s a movement to help you flip the script on your financial life.If you love podcasts like The Suze Orman Show, The Dave Ramsey Show, or BiggerPockets Money Podcast, or if you’re inspired by money minds like Grant Cardone, Robert Kiyosaki, or Tony Robbins, you’ll feel right at home here.No fluff. No gimmicks. Just real-world strategies to grow your money smarter, faster, and without the stress.It’s time to stop following the same tired advice that keeps you stuck in the grind. It’s time to grow YOUR money. Let’s reclaim your financial freedom together.
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