Real Money Talks

In this episode, Loral sits down with Lee Benson to unpack how to build a value creation family and why traditional financial education is failing the next generation. Instead of relying on schools, Lee explains why families must take ownership of teaching real-world money skills at home.They dive into the difference between financial literacy and competency, and why a value creation family focuses on applying money skills like earning, budgeting, saving, investing, and sharing in everyday life.Lee shares how turning the family budget into a team sport transforms how kids think about money. From six-year-olds understanding spending decisions to teens learning investing principles, a value creation family creates hands-on experience instead of theory.If you want to raise kids who understand money, contribute to the world, and build wealth intentionally, this episode will show you how to create a true value creation family.Loral's Takeaways:Lee Benson's Early Life and Business Journey (00:04)The Evolution of Gr

What’s the smartest way to move from a W2 job into ownership without getting crushed by taxes?In this episode, Loral walks Scott through a real-life equity and tax strategy as he transitions into a 20% ownership stake in a plumbing company. With rising income and new opportunities, the focus shifts from earning money to structuring it correctly.They break down how your equity and tax strategy starts with the agreement itself because how you receive equity determines everything from tax exposure to control. Loral emphasizes that most people skip this step and end up paying for it later.Scott also wants to support his parents, and Loral explains how to integrate them into the plan using another key piece of a strong equity and tax strategy known as; consulting income instead of W2 wages.They also cover trusts, asset protection, and why proactive quarterly tax planning is essential if you want to build real wealth, not just hope for a good tax outcome.If you're earning income but not structuring it, this episode

What if the biggest thing affecting your money, focus, and performance is not your strategy, but your brain?In this episode, Loral sits down with Dr. Patrick Porter, founder of BrainTap, to talk about brain training for entrepreneurs and why so many business owners stay stuck in stress, survival mode, and mental overload. They explore how your brain processes pressure, how stress changes your decision-making, and why better results require more than motivation alone.Dr. Porter explains how brain training for entrepreneurs can help improve sleep, focus, emotional regulation, productivity, and even financial decision-making.If you have ever felt mentally exhausted, reactive, or stuck in overdrive, this episode shows why brain training for entrepreneurs may be one of the most overlooked tools in both health and wealth building.Loral's Takeaways:Patrick Porter's Background and BrainTap's Origin (05:56)The Science and Effectiveness of BrainTap (07:08)The Role of Gut Feelings and Intuition (09:28)The Impact of Thou

Most people are waiting for clarity, certainty, or the “perfect plan” but as this week's guest Hugh Zaretsky explains, momentum comes from action. A strong launch strategy starts with taking the next step, even when it’s only 70–80% aligned.You’ll also hear how AI is changing the way investors find deals, analyze opportunities, and save time. But tools alone aren’t enough. Loral and Hugh emphasize that mentorship, critical thinking, and real-world experience are still essential to successfully launch your next chapter with AI and real estate.They also unpack current market realities, from rising insurance costs to shifting investment hotspots and where opportunities still exist for those willing to adapt.If you’ve been waiting to start, pivot, or grow, this episode will give you the launch strategy to move forward with clarity and confidence.Loral's Takeaways:Hugh Zaretsky's Background and Early Career (00:06)Transition to Real Estate Investing (02:59)The Psychology of Launching (04:49)Challenges of Transitio

In this powerful episode, Loral talks with Dr. Phil Ovadia about heart disease prevention and the myths that keep so many people stuck in poor health. From his years as a heart surgeon to his own 100-pound weight loss, Dr. Phil explains why traditional advice about cholesterol, low-fat diets, and statins often misses the bigger picture.They unpack the real drivers behind heart disease prevention, including metabolic health, insulin resistance, and why so many patients end up on the operating table when better nutrition and lifestyle support could have changed the outcome.If you want a more empowering, life-changing conversation about heart disease prevention, food, health advocacy, and taking ownership of your future, this episode is a must-listen.Key Takeaways:Dr. Phil Ovadia's Journey to Heart Surgery (00:00)Personal Health Transformation and Insulin Resistance (03:14)Myth Busting: Cholesterol and Diet-Heart Hypothesis (05:04)Advocacy for Personal Health and New Food Pyramid (10:55)Insulin Resistance and It

Loral reunites with Sharon Lechter, her “financial mom” for a powerful conversation on true wealth mentorship and the difference between chasing money and building a life that’s rich in every way.Sharon shares her money story, and dives into her newest book Old Wealth, New Wealth, True Wealth and the real message behind it: true wealth mentorship isn’t just about accumulation, it’s about who you become, who you impact, and what you keep intact along the way (health, family, purpose).You’ll also hear why people get stuck in fear, how your environment can pull you backward, and why daily mindset practices matter.If you’ve been looking for clarity, direction, and the kind of guidance that helps you move forward with confidence, this episode is a masterclass in true wealth mentorship.Loral's Takeaways:Sharon Lechter's Background and Achievements (00:00)Partnership with Robert Kiyosaki and Rich Dad Poor Dad (03:28)Motivation and Legacy (05:27)The Story of Nathan and the Three Wealth Paths (07:04)Challenges and Opp

In this episode, Loral sits down with Bev Ottone to expose what’s really happening behind the scenes in small business fraud prevention, and why most owners don’t catch fraud until it’s too late.Bev shares real examples of fraud she’s uncovered, including payroll tricks (ghost employees and reimbursements), vendor fraud inside bookkeeping software, ACH changes, check theft, and even points scams. You’ll learn the most common red flags, why “trust but verify” matters, and how better systems, separation of duties, and weekly review habits strengthen small business fraud prevention.If you’ve ever wondered how to hire a bookkeeper without handing over “the keys to the kingdom,” this small business fraud prevention conversation is a must-listen.Loral's Takeaways:Bev's Journey and Initial Experience (02:07)Bev's Courses and Motivation (03:00)Importance of Accurate Bookkeeping (05:22)Fraud Prevention and Detection (06:47)Vendor Fraud and Security Measures (12:17)Immediate Response to Fraud (19:05)Course Details and

In this episode of Real Money Talks, Loral sits down with ZZ, a Louisiana entrepreneur who built an experiential tourism business rooted in Cajun culture, storytelling, and alligator hunting.From taking over his family’s swamp tour company to expanding into guided alligator hunts, ZZ explains how an experiential tourism business is about selling memories, not products. He shares how hurricanes, COVID, and coastal erosion impacted operations and how diversifying income streams within the experiential tourism business model helped him survive.You’ll also hear how his time in reality TV and WWE taught him entertainment, branding, and emotional storytelling skills he now uses to grow his business.Loral's Takeaways:ZZ's Background and Legacy (00:00)Challenges and Adaptations in the Swamp Tour Business (04:09)The Alligator Market and Its Economic Importance (05:53)Entrepreneurial Insights and Marketing Strategies (08:52)Impact of Reality TV and Media on ZZ's Career (12:08)Charity Work and Coastal Erosion Awareness

In this powerful conversation, Loral speaks with Debbie Posnien, Executive Director at Suicide Prevention Network in Nevada, about the growing mental health crisis and the importance of recognizing suicide warning signs.They discuss the difference between impulsive teen suicides and the more planned nature of adult suicides, especially among men over 60. Debbie explains the most common suicide warning signs, including isolation, changes in sleep patterns, giving possessions away, reckless behavior, and statements like “You’d be better off without me.”You’ll also learn how to ask directly if someone is thinking about suicide, why saying the words matters, and how recognizing suicide warning signs early can save lives.This episode isn’t just about awareness, it’s about action. Action you can take by supporting their 12th Annual "Gotta Dance" fundraiser to help raise money for suicide prevention and support.Donate here: https://askloral.com/donateLoral's Takeaways:Debbie's Introduction and the Beginning of Suici

Brad shares his three-year plan to exit traditional employment and live a fully automated business life, what he calls a corporate lifestyle strategy. He’s already launched fitness and supplement LLCs and is preparing to add real estate, but questions how to fund growth without overexposing personal capital.Loral walks through why a true corporate lifestyle strategy requires sequencing, management entities, and the right mix of LLCs, S-corps, and future trusts. Rather than leaning equally into multiple businesses, she explains how choosing the most scalable cash machine first accelerates automation and tax efficiency and shows how a corporate lifestyle strategy is built intentionally not emotionally.Loral's Takeaways:Brad's Business Goals and Current Ventures (00:46)Strategies for Business Growth and Tax Planning (02:09)Funding and Investment Strategies (04:08)Timeline and Action Plan (05:43)Meet Loral Langemeier:Loral Langemeier is a money expert, sought-after speaker, entrepreneurial thought leader, and bes

A commercial construction CEO earning mid-six figures asks Loral how to turn income into lasting wealth. His challenge is common: high taxes, a maxed-out 401(k), and strong earnings but no real momentum toward financial freedom.Loral outlines a construction wealth strategy she personally used to build multi-million-dollar wealth: owning not just real estate, but the construction company, distribution channels, and service businesses that support the same clients. Instead of chasing disconnected income streams, she explains how aligned ownership creates leverage, cash flow, and compounding equity.This episode walks through how a construction wealth strategy works whether you keep your W-2 temporarily or make the jump into ownership, how self-directed retirement funds can seed early investments, and why trust-owned entities dramatically improve taxes and asset protection. If you’re operationally skilled but capped by salary, this construction wealth strategy shows where the real upside lives.Loral's Takeaways:E

A listener from Cleveland asks Loral two big questions:Can college tuition be put through a business and paid for before taxes?Can an SBA loan help reduce personal liability?Loral’s answer is clear: yes, but it’s all tax strategy, and it has to be done precisely. She explains that tuition can be paid through a business only when the student’s education aligns with the company’s purpose and when the proper corporate resolutions and legal documentation are in place.This episode digs into what most people miss: tax strategy isn’t a one-day event at tax time, it’s a year-round plan that affects how you spend, invest, and document everything. Loral's Takeaways:Discussion on Business Tax Strategies and SBA Loans (00:00)Corporate Structure and Tax Planning (04:24)Challenges with Current CPA and Tax Planning (06:03)Personal Financial Goals and Future Planning (07:16)Meet Loral Langemeier:Loral Langemeier is a money expert, sought-after speaker, entrepreneurial thought leader, and best-selling author of five books.Her

Today I sit down with J Bird, founder of Cross Country Wellness, to unpack the real-world CBD business strategy behind building a premium product line and surviving in a crowded hemp market.He shares the personal story that led him into the industry, losing his father to an accidental overdose, and how that pain became purpose: creating a holistic alternative that people could trust.Loral's Takeaways:Introduction and Background of J Bird (00:04)J Bird's Entry into the CBD Industry (02:52)Development of J Bird's Product Line (03:47)Marketing and Customer Retention Strategies (08:10)Challenges and Strategies in the CBD Industry (11:06)Customer Loyalty and Product Quality (15:20)Retail Strategy and Shelf Space (20:23)Top Symptoms Addressed by Jay Bird's Products (23:13)Meet J Bird:Jordan Bergsrud is the embodiment of being, “immersed in the industry.” It has been a journey with a purpose and passion for Jordan. Or as everyone calls him, J Bird. He was born and raised in Memphis, Tennessee where he witnessed firs

In this episode of Loral’s Real Money Talks, Loral explores the powerful connection between mental health and wealth with Nikki, clinical director and founder of Mind People in Ontario, Canada.Nikki brings decades of experience in psychoanalytic psychotherapy, cognitive behavioral therapy, and trauma-informed care to explain why mental health and wealth cannot be separated, especially for entrepreneurs, high performers, and legacy builders.This conversation bridges psychology and money in a way most financial podcasts never do. If you’re building businesses, chasing growth, or creating generational impact, understanding mental health and wealth as a unified system is essential.Be sure to grab Nikki’s Ultimate Mental Health ToolboxLoral's Takeaways:Nikki's Background and Specialties (01:26)The Importance of Self-Regulation and Mental Health (05:02)Building Self-Confidence and Overcoming Fear (06:31)Practical Steps for Self-Improvement and Mental Health (18:13)Challenges Faced by Entrepreneurs and Strategies fo

If you’re asking how to multiply $100,000, you’re already ahead of most people but the real question is how you do it without unnecessary risk or costly mistakes.In this episode of Real Money Talks, Loral walks through how to multiply $100,000 using strategic options like starting or buying a business, investing in real estate, exploring short-term rentals, and partnering with others who already have experience. Rather than pushing a one-size-fits-all solution, she explains why learning how to multiply $100,000 depends on your interests, education, and willingness to be coached.You’ll hear why mentorship dramatically shortens the learning curve when figuring out how to multiply $100,000, and how working with a community opens doors to deals, partnerships, and opportunities most solo investors never see.If you’re serious about learning how to multiply $100,000 with clarity instead of confusion, this episode provides a realistic roadmap grounded in education, strategy, and support.Loral's Takeaways:Initial Disc

Navigating divorce is emotionally overwhelming but without a clear divorce wealth strategy, it can also become financially devastating.In this episode of Real Money Talks, Loral walks through how to approach divorce with a divorce wealth strategy that protects your assets, minimizes tax damage, and sets you up for long-term independence and not just a clean break.Rather than reacting from fear or urgency, Loral explains why a smart divorce wealth strategy starts with a go-forward plan. From evaluating business ownership and real estate to understanding how taxes, trusts, and corporate structures affect settlement outcomes, this conversation reveals the costly mistakes most people make during divorce and how to avoid them.If you’re in the middle of a divorce (or preparing for one), this episode offers clarity, direction, and a practical divorce wealth strategy designed to protect your next chapter, not just survive the current one.Loral's Takeaways:Discussion on Divorce and Asset Management (01:44)Proposal and

In this coaching conversation, Loral guides an HVAC and STR business owner through the corporate structure strategy required for real tax savings and scalable growth. She explains why Washington businesses must look to states like Wyoming or Nevada for better corporate structure strategy, how intercompany contracts protect deductions, and how consolidating expenses builds a cleaner tax plan.From W-2 structuring to 401(k) shifts, to depreciation strategies and trust planning, this episode lays out exactly how corporate structure strategy builds wealth year after year.Loral's Takeaways:Business Strategy and Expansion Plans (01:37)Consulting Business and Tax Strategies (04:11)Final Recommendations and Next Steps (05:14)Meet Loral Langemeier:Loral Langemeier is a money expert, sought-after speaker, entrepreneurial thought leader, and best-selling author of five books.Her goal: to change the conversations people have about money worldwide and empower people to become millionaires.The CEO and Founder of Live Out Lo

In this coaching conversation, Loral walks Arthur through the fundamentals of building wealth using smart S Corp tax strategy. She explains why shifting from W-2 income to corporate income creates better deductions, bigger retirement contributions, and more long-term financial control. From setting up LLCs for rental properties, to hiring your kids legally, to restructuring income for healthcare savings, to offsetting capital gains with depreciation, this episode lays out exactly how S Corp tax strategy can change the direction of your wealth. If you want clarity on the right structure for your business and investments, this is required listening.Loral's Takeaways:Real Estate and Tax Strategies Discussion (00:00)Transitioning to S Corp and Tax Benefits (04:19)Health Insurance and Independent Contractor Benefits (05:41)Legal and Contractual Considerations (07:40)Tax Planning and Investment Strategies (08:41)Meet Loral Langemeier:Loral Langemeier is a money expert, sought-after speaker, entrepreneurial thought

In today’s episode of Real Money Talks, Loral answers two powerful questions from listeners about wills, trusts, business structures, and how to organize multiple income streams. She explains why trust planning, not a will, is the foundation of a strong legacy and why trust planning keeps your family out of probate court, reduces taxes, and removes the possibility of your wishes being contested. Whether you're growing a business, expanding revenue streams, or securing your family’s future, this is your guide to trust planning that actually protects your wealth.Loral's Takeaways:Understanding the Difference Between Trusts and Wills (00:00)Tax Implications and Estate Planning Strategies (03:40)Expanding Business Revenue Streams (03:58)Tax and Legal Considerations for Business Structures (07:28)Coordinating with Financial Advisors and Legal Experts (10:05)Final Thoughts and Next Steps (10:28)Meet Loral Langemeier:Loral Langemeier is a money expert, sought-after speaker, entrepreneurial thought leader, and best-s

In this episode of Real Money Talks, we sit down with August Biniaz to unpack the reality of real estate investing across borders. August shares how Canadian investors can access U.S. multifamily opportunities, why certain markets outperform, and what smart real estate investing looks like when interest rates are high and economic cycles shift.We break down deal criteria, debt strategy, syndications, and the complex structure required to keep cross-border investing compliant on both sides of the border, what investors often overlook, and how to position yourself for long-term gains in 2025 and beyond.Thank you for tuning in. Remember, you don’t have to navigate your wealth journey alone. Every week I'm here with conversations to guide you, challenge you, and help you grow. Subscribe, stay connected, and join me next Friday for another episode of Real Money Talks.Loral's Takeaways:August's Background and Transition to US Investments (02:12)Challenges and Strategies in Cross-Border Investing (07:30)Market Focus