✔️Summary:

In this episode, I interviewed Tanya Taylor, a financial coach, who focuses on helping individuals and corporate employees enhance financial literacy and achieve stability. Through her personal coaching program, she empowers clients to build financial confidence, starting with mindset work. Tanya guides clients in areas like budgeting, credit repair, investing, and retirement planning. In the corporate space, she conducts financial literacy workshops to address gaps where employees often underutilize company-offered financial programs due to accessibility challenges.

Tanya’s financial journey began early when she immigrated to the U.S. and learned to budget with limited resources. Her disciplined approach led to corporate success and strategic investments in real estate and the stock market. Setting clear goals, such as accumulating a $1M retirement portfolio by age 45, she consistently worked towards financial independence.

A life-changing car accident prompted Tanya to transition from corporate employment to full-time entrepreneurship. This experience underscored the importance of risk management, particularly supplemental disability insurance, which she now advocates strongly. Tanya emphasizes having multiple income streams, advising clients to explore opportunities like side businesses or real estate to mitigate financial risks.

She is the author of Broke to Wealth, a guide designed to help readers build financial literacy and wealth through practical steps like mindset shifts, budgeting, and investment strategies. Tanya encourages young people to focus on budgeting, paying themselves first, and consistently investing, even with limited resources.

Tanya believes financial education should start early to break cycles of ignorance and empower future generations. She highlights the importance of realistic financial planning, leveraging available resources, and taking calculated risks to build wealth. Her mission is to demystify finances and make wealth-building accessible to diverse audiences. Tanya shares her advice and resources through her website, GrowYourWealth10x.com, and social media platforms, where she continues to inspire individuals to achieve financial success.

⭐️About Tanya:

Tanya Taylor is a financial coach and educator whose journey from arriving in America at 16 years old to building a career with Fortune 500 companies embodies resilience and empowerment. With over 20 years of expertise, Tanya has dedicated her life to equipping individuals and businesses with practical financial knowledge to escape paycheck-to-paycheck living and achieve financial freedom. Creator of Grow Your Wealth, she specializes in budgeting, credit, debt management, investing, retirement strategies, and tax planning. Tanya’s experiences, including overcoming personal setbacks, fuel her mission to help others build wealth and navigate life’s financial challenges with confidence and purpose.

💜Where to find Tanya:

► Website: https://growyourwealth10x.com/

► Linkedin: https://www.linkedin.com/in/tanya-taylor-cpa-mba-growyourwealth/

☞ Tanya’s Book Recommendation:

► “Think and Grow Rich” by Napoleon Hill

► “Millionaire Next Door” by Thomas J. Stanley and William D. Danko

► “I Will Teach You to be Rich” by Ramit Sethi

✔️Summary:

In this episode, Ryan Zabrowski shares insights into his investment philosophy, shaped by years of experience and a desire to create a timeless guide to financial success. His book, Time Ahead: An Investor’s Guide to Prosperity and Impact, focuses on achieving financial growth through sustainable strategies while making a lasting societal impact. Inspired by mentors like Warren Buffett and Charlie Munger, Ryan emphasizes value investing, competitive advantages, and avoiding industries hindered by technological disruption.

Ryan critiques traditional finance literature for rehashing old ideas, striving instead to present fresh perspectives. His approach combines analyzing operating environments, assessing risk beyond volatility, and leveraging opportunities in industries with strong growth potential, like technology and AI. He underscores the importance of understanding what not to own, noting that avoiding value traps can be as impactful as choosing the right investments.

AI and automation are pivotal themes for Ryan, who is optimistic about their potential to reduce work hours and increase productivity. He predicts societal shifts toward shorter workweeks and emphasizes the importance of avoiding industries negatively impacted by automation. Ryan highlights AI's transformative role in healthcare, longevity, and efficiency, with examples of AI-driven medical advancements and robotics reshaping daily life.

Ryan also discusses practical investment strategies, including tax-loss harvesting and aligning portfolios with one’s values. He advocates for combining active and passive approaches, leveraging algorithms to manage risk dynamically, and focusing on high-margin businesses with durable competitive advantages.

Lastly, Ryan reflects on the broader impacts of capitalism, urging investors to think critically about long-term trends. His philosophy is rooted in disciplined decision-making, continuous learning, and a forward-looking mindset to adapt to the ever-changing landscape of business and technology.

⭐️About Ryan:

Ryan Zabrowski is a seasoned investment professional with decades of experience, known for his disciplined strategies inspired by Warren Buffett, Benjamin Graham, and Nobel Laureates. Having read 1,000 books on investing, Ryan recently authored the 500-page Time Ahead to share his expertise. As a CERTIFIED FINANCIAL PLANNER® (CFP®) with advanced finance degrees, he has held roles at institutions like Washington University Endowment and Morgan Stanley. Outside his work with clients nationwide, Ryan values family life with his wife and daughters and supports impactful charities.

💜 Book Recommendations:

► Pioneering Portfolio Management by David F. Swensen

► Fooled by Randomness by Nassim Nicholas Taleb

► The Intelligent Investor by Benjamin Graham

► Berkshire Hathaway Inc. Shareholders Letters: https://www.berkshirehathaway.com/letters/letters.html

Summary:

In a recent CNBC interview, hedge fund manager Paul Tudor Jones emphasized that “All Roads Lead to Inflation,” predicting a prolonged inflationary period. Jones, known for accurately forecasting the 1987 market crash, highlighted that regardless of who ended up winning the U.S. presidency, significant fiscal changes—such as higher taxes and/or reduced spending—are inevitable. However, even these actions won't cover the extensive federal obligations, including debt interest, leading the Federal Reserve to print more money, further fueling inflation.

Jones argues that, to address this economic landscape, the Fed should keep nominal interest rates below inflation rates and ensure economic growth outpaces inflation. Lower interest rates make borrowing cheaper, reducing debt burdens and promoting investment. Concurrently, higher growth relative to inflation would increase overall wealth and help offset rising living costs.

For investors, Jones recommends assets that hedge against inflation, like gold, commodities, and Bitcoin. He notes that these assets retain value as currency purchasing power declines. Bitcoin, in particular, stands out due to its fixed supply (capped at 21 million coins) and decentralized nature, which protect it from governmental or institutional interference. Unlike gold, Bitcoin is portable and easily transferable, aligning with the needs of a digital generation.

Additionally, Bitcoin's growing institutional adoption, with companies like Tesla and Square adding it to their balance sheets, strengthens its long-term appeal. Despite the risks of market volatility and regulatory challenges, Bitcoin will serve as a solid inflation hedge in the long run. In a world where inflation seems unavoidable, Bitcoin presents a compelling alternative for protecting wealth.

References:

1. CNBC Interview of Paul Tudor Jones: https://youtu.be/49-2-NWoiLI?si=0I0KfbEv8ElIDSI8

2. Michael Saylor Interview on the Lex Friedman Podcast: https://www.youtube.com/watch?v=mC43pZkpTec