PODCAST · business
The Borrow Smart Conversation
by The Borrow Smart Conversation
The founder of CLA - the liability management and liability advisory movement began in our offices in 1993... come profit from our experience.
Episodes
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Why You Need a Liability Advisor?
This transcript documents a collaborative discussion between financial planners and lending professionals regarding the integration of asset and liability management. The conversation features Max, an advisor from Grounded Wealth Advisors, who shares his professional journey from the service...
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Lynn Alden - Understand Debt Newsletter
This June 2025 newsletter by Lyn Alden, an investment strategist, examines three common misconceptions about the US federal debt. First, it debunks the idea that the US "owes the debt to ourselves," illustrating that debt is owed to specific entities, both domestic and foreign, and that default...
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Rational Optimists Society - March Briefing
Key Themes and Innovations: •Supersonic Flight Reimagined: •The Rise of Intelligent Robots: •A New Era for Defense Technology: •The Private Space Revolution: •The Power of AI Agents: •AI and the Future of Work:
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CLA Powered by SORA Financial
In this conversation, we look at the power of a trained CLA (Certified Liability Advisor) working with SORA Financial to power AI centered leads, debt optimization and more.
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20-60-20 Rule
Understanding consumer behavior and decision making - is about 20% the impact to cash now, 60% the impact to cash flow now and over time, and 20% the future wealth impact.
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From Zero to Hero: Mastering the Art of Financial Advisor Referrals
This text is a transcript of a presentation by Todd Ballenger, a loan officer coach, outlining his "FAST System" for loan officers to improve their businesses. The system details five stages of growth, emphasizing the importance of building relationships with financial advisors as referral…
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The FAST System: A Loan Officer's Roadmap to Success
This text is a transcript of a presentation by Todd Ballenger, a loan officer coach, outlining his "FAST System" for loan officers to improve their businesses. The system details five stages of growth, emphasizing the importance of building relationships with financial advisors as referral…
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Borrow Smart Repay Smart
This excerpt from Borrow Smart Repay Smart by Todd Ballenger presents a comprehensive strategy for managing personal finances, particularly concerning homeownership. The text emphasizes viewing a house as a long-term investment, analyzing it through the lenses of safety, liquidity, and return. It...
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Rational Optimist for January 2025
So much going on in the world that's exciting, keep your aperture wide open! This blog post from the Rational Optimist Society argues that America's innovation stagnated after 1973 due to the oil crisis and a shift away from energy-intensive industries, contrasting the manufacturing giants of the...
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Inauguration Day's Impact on Housing
Logan Mohtashami, in a recent podcast, discusses the economic impact of a new president's executive orders on the housing market. Key focuses include the effects of potential tariffs on bond markets and mortgage rates, and the implications of an executive order aiming for emergency price relief…
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Fed Z1 Report Q3 - 2024
The document is a detailed financial report, specifically the Z.1 report from December 12, 2024, which analyzes U.S. domestic nonfinancial debt and household net worth. It presents data on various sectors, including households, businesses, and governments, and covers a range of financial...
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Rational Optimist - November Edition
These articles from the Rational Optimist Society discuss the resurgence of innovation and the need for deregulation. One article highlights excessive regulations hindering progress in housing, energy, and healthcare, advocating for a reduction in bureaucracy to stimulate growth. Another piece...
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Retirement Spending Surprises: JP Morgan Study
J.P. Morgan Asset Management analyzed anonymized data from over 280,000 Chase households to reveal three key retirement spending surprises: a declining lifetime spending curve peaking at midlife, a post-retirement spending surge particularly impacting lower-income, partially retired households…
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Retiree Life in the Post-Pandemic Economy
What role will housing play in the Transamerica Center for Retirement Studies and Transamerica Institute released their 24th annual retirement survey report, examining the lives of retired Americans in the post-pandemic economy. The report's key findings detail retirees' experiences across…
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The Case for Dividend Investing
I'm a big fan of dividend stocks for mortgage professionals to balance income. This excerpt from Kelly Green's "Dividend Digest" argues that dividend stocks are a superior investment, historically outperforming non-dividend stocks and offering stability. The text highlights the potential shift of...
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Understand The MOVE Index and Interest Rates New Normal
Harley Bassman’s Convexity Maven publication is a commentary on the bond market and macroeconomics, particularly focusing on the relationship between interest rate options and the 2024 US Presidential Election. The author analyzes the MOVE Index, a measure of implied volatility in the bond…
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The Secret Power Within Your Mortgage
"The Secret Power Within Your Mortgage" is a book by Daniel Amerman that argues that mortgages are an overlooked tool for managing financial risk, particularly in times of inflation. Amerman asserts that mortgages can act as a hedge, similar to how a business might hedge against market risks by...
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Rational Optimist Society - October
The sources from the Rational Optimist Society highlight the importance of optimism in facing a changing world. The first source focuses on the potential of technology to solve real-world problems, using the example of XRAI glasses, which can help deaf people understand conversations in…
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Financial Literacy in the Workplace
The first source explores the connection between financial wellness and emotional well-being. It highlights the negative impact of financial concerns on mental health, citing statistics on debt, stress, and the prevalence of mental health issues among those experiencing financial hardship. The...
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Financial Literacy in the US
The two reports provide information on the state of financial literacy education across the United States. The Consumer Financial Protection Bureau (CFPB) report outlines its own efforts to increase financial literacy in the United States through consumer education, and provides five core...
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What is a CLA and Why Use One?
The National Institute of Financial Education (NIFE) is a non-profit organization dedicated to educating consumers about the financial implications of homeownership. NIFE offers free educational resources through its Certified Liability Advisors (CLAs), who are financial professionals that have...
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10,000 Clients
The sources provide detailed advice on how to grow your presence on Twitter and LinkedIn, beginning with selecting a niche and optimizing your profiles. The sources then explain how to build an engaged following by following and interacting with accounts in your niche, consistently posting…
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Growth Coach Client Marketing
The provided sources offer a comprehensive guide to creating and implementing effective marketing funnels. They cover various aspects of building a profitable business, including defining your ideal customer, crafting a compelling message, developing a product roadmap, and establishing a lead...
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Employer Sponsored Financial Literacy Education
The sources discuss the significance of financial literacy in the workplace. They highlight the widespread financial illiteracy among individuals, the resulting financial stress, and the negative impacts on productivity and well-being. The sources argue for the implementation of workplace…
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Compounding Quality Assets MashUP
This is about 10 investments books combined. "The Best of Compounding Quality" by the author "Quality Compounding." The e-book provides an in-depth analysis of quality investing, focusing on how to find and invest in companies with strong, sustainable competitive advantages. The author explores…
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EY Global Wealth Management Industry Report
As a liability advisor, you want to learn more about the depth of financial plumbing, locally, nationally and globabally. This EY Global Wealth Management Industry Report is a comprehensive analysis of the wealth management industry, focusing on the challenges firms face and the strategies they…
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The Secret Guide To Understanding Credit
This excerpt from The Secret Guide To Understanding Credit by Todd Ballenger outlines the intricacies of the credit reporting industry and the significance of credit scores in real estate and lending. It explains how credit history is compiled and interpreted by lenders, emphasizing the role of...
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Kitces Report - How Advisors Market Their Services
This report, "How Financial Planners Actually Market Their Services," is a comprehensive marketing study conducted by Kitces Research that examines how financial planners market their services and what tactics are most effective. The report analyzes data from nearly 1,000 advisory practices,...
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Housing Outlook - Borrow Smart with Apollo
This report from Apollo Global Management analyzes the current state and future outlook of the U.S. housing market. It highlights factors like low housing supply, high mortgage rates, and rising unemployment that are impacting housing demand. The report also examines housing supply, including new...
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What Is Enough?
What IS Enough? is a coaching session guide for an educational course focused on personal financial management. It explains the concept of “enough” in personal finance and how to achieve financial independence through mindful spending and awareness of life energy. The workbook uses examples,...
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Borrow Smart Repay Smart - Chapters 1-8
This excerpt from the book "Borrow Smart: A 7-Step Process For Managing The Wealth In Your House" by Todd K. Ballenger emphasizes the importance of understanding and managing borrowing strategies related to homeownership. The book aims to guide readers on how to maximize the financial benefits of...
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11 Reasons to Carry A Big Long Mortgage
This text presents a debate between two financial advisors, Ric Edelman and Todd Ballenger, regarding the benefits of carrying a large, long-term mortgage. Ballenger argues that Edelman’s 11 reasons for doing so are outdated and misleading, particularly regarding tax deductions, equity growth…
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Listen In as we Talk About Working with Advisors
In this small coaching session we talk about working with advisors, listen in and see if you can pick up on key phrases to use, and strategies.
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Investing Books MashUP
I took several of my favorite investing books and mashed them together with prompts to extract the key guidance that are consistent across all 4 books. The first source, "Your 5-minute guide to hedging," discusses hedging as a strategy for minimizing risk in volatile markets. The author, Keith...
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Manage Liabilities and Assets - JP Morgan Wealth Report
This guide from J.P. Morgan Asset Management provides insights into the various aspects of planning for retirement in the United States. It covers essential topics like life expectancy, Social Security benefits, savings strategies, and retirement spending. The guide also touches on key factors…
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Why Use a CLA?
In a world filled with uncertainties, protecting your business and personal assets is paramount. Welcome to "Why Work with a Certified Liability Advisor?", the podcast that uncovers the critical role these experts play in safeguarding your financial future. Join us as we delve into the complex...
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Why Work with a CLA?
Working with a Certified Liability Advisor for your mortgage and lending needs is a completely different experience. Listen to this short podcast interview and if you'd like to learn more visit us at niofe.org.
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Continuum - Time Scarcity
Continuum - Time Scarcity by Todd Ballenger
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CLA Mastermind - Leverage
CLA Mastermind - Leverage by Todd Ballenger
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John - FAST Call 4-26
FAST working with advisors, how to do Milk Runs and leave behinds for financial advisors. Rolled out the FAST 2nd Look Strategy in FAST Strategies.
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4-24 Small Hive - Pain Mining and CALM
4-24 Small Hive - Pain Mining and CALM by Todd Ballenger
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CLA Mastermind - Inflation
CLA Mastermind - Inflation by Todd Ballenger
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4-5-2024 CLA Mastermind
4-5-2024 CLA Mastermind by Todd Ballenger
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CLA Mastermind 3-15-2024
The 3-Sided Balance Sheet, how to position more like a financial advisor to develop consumer business and advisor referrals.
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HIVE Mastermind FAST 2-23-24
HIVE Mastermind FAST 2-23-24 by Todd Ballenger
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Tom John Mike Call With Financial Experts Network
Listen in as Todd, John and Mike Slaughter - A financial advisor with his CLA talk to a group of financial advisors nationally about liability management.
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The Borrow Smart Conversation - Part I
CLA Small Mastermind Group Discussion
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Why Use a CLA - John Thompson
Why Use a CLA - John Thompson by Todd Ballenger
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CLA Mastermind - RETURN
Discussion about Return as a component of the Borrow Smart Conversation.
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Mastermind Call IKIGAI and Missing Money
Mastermind Call IKIGAI and Missing Money by Todd Ballenger
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ABOUT THIS SHOW
The founder of CLA - the liability management and liability advisory movement began in our offices in 1993... come profit from our experience.
HOSTED BY
The Borrow Smart Conversation
CATEGORIES
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Frequently Asked Questions
How many episodes does The Borrow Smart Conversation have?
The Borrow Smart Conversation currently has 76 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is The Borrow Smart Conversation about?
The founder of CLA - the liability management and liability advisory movement began in our offices in 1993... come profit from our experience.
How often does The Borrow Smart Conversation release new episodes?
The Borrow Smart Conversation has 76 episodes. Check the episode list to see recent publication dates and frequency.
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You can listen to The Borrow Smart Conversation on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts The Borrow Smart Conversation?
The Borrow Smart Conversation is created and hosted by The Borrow Smart Conversation.
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