Robert Croak

speaker

6,616 appearances 39 recordings 1 series first heard Jun 2026 last heard 3d ago

Robert Croak’s voice in public audio — every appearance, attributed to the second.

Trend

recordings per month · last 12 months

Recordings per month over the last 12 months — 39 in all, peaking in Aug 2026 with 13.

Appearances

newest first · ▶ plays the moment

Rich Habits Podcast · Q&A: Spending $8K On Fun, Forming LLC For Rental, & Turning Basement Into Airbnb · 17 Sep 2026 podcast

And I like the mortgage recast part of this, but just make sure, like Austin just alluded to in the last question, make sure you understand the total cost to be able to recast that mortgage and make sure it's worth it long term for you because you're already doing well and a $4,300 mortgage currently is expensive. podcast-host

So make sure that the long term podcast-host

Benefits outweigh the short-term cost of recasting the mortgage. podcast-host

But otherwise, I think you're doing great. podcast-host

I don't know if I'd go into these shorter term private real estate funds. podcast-host

It's highly illiquid. podcast-host

You may not make as much money as they claim. podcast-host

So I'd be careful there unless you're doing it with a very reputable firm like Fundrise or VestFunder or something like that. podcast-host

But that would be my take, Austin. podcast-host

What did I miss? podcast-host

Yeah, and the last thing I'll say is when recasting, and I don't know who you're doing this with, but most mortgage lenders are going to require you to give them 10 to 20% of the mortgage balance to do that recast. podcast-host

So make sure you understand that if you put down 20%, let's say that's their requirement, what would that 20% of that mortgage be if just invested in the S P 500? podcast-host

What would that gain you an earning? podcast-host

You overtime compounding towards retirement, like Austin alluded to. podcast-host

So make sure you understand all of the numbers before you just start bang, bang, bang and paying things off without investing this money. podcast-host

I like Austin's idea. podcast-host

Pay off the house, set up the 529s, maybe bolster the emergency fund, and the rest goes into investing and not recasting the mortgage. podcast-host

I love that breakdown and I'm gonna add a little bit more texture to it. podcast-host

I love the idea. podcast-host

Of where she's thinking here of getting that Airbnb up and running to get some extra income to help her get out of debt. podcast-host

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