The Borrow Smart Conversation
Episodes
Lynn Alden - Understand Debt Newsletter
25 Jun 2025
Contributed by Lukas
This June 2025 newsletter by Lyn Alden, an investment strategist, examines three common misconceptions about the US federal debt. First, it debunks ...
Rational Optimists Society - March Briefing
01 Apr 2025
Contributed by Lukas
Key Themes and Innovations:•Supersonic Flight Reimagined: •The Rise of Intelligent Robots:•A New Era for Defense Technology: •The Private Spac...
CLA Powered by SORA Financial
21 Mar 2025
Contributed by Lukas
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...
20-60-20 Rule
12 Mar 2025
Contributed by Lukas
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 ...
From Zero to Hero: Mastering the Art of Financial Advisor Referrals
11 Feb 2025
Contributed by Lukas
This text is a transcript of a presentation by Todd Ballenger, a loan officer coach, outlining his "FAST System" for loan officers to improv...
The FAST System: A Loan Officer's Roadmap to Success
11 Feb 2025
Contributed by Lukas
This text is a transcript of a presentation by Todd Ballenger, a loan officer coach, outlining his "FAST System" for loan officers to improv...
Borrow Smart Repay Smart
30 Jan 2025
Contributed by Lukas
This excerpt from Borrow Smart Repay Smart by Todd Ballenger presents a comprehensive strategy for managing personal finances, particularly concern...
Rational Optimist for January 2025
26 Jan 2025
Contributed by Lukas
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 Americ...
Inauguration Day's Impact on Housing
25 Jan 2025
Contributed by Lukas
Logan Mohtashami, in a recent podcast, discusses the economic impact of a new president's executive orders on the housing market. Key focuses i...
Fed Z1 Report Q3 - 2024
20 Dec 2024
Contributed by Lukas
The document is a detailed financial report, specifically the Z.1 report from December 12, 2024, which analyzes U.S. domestic nonfinancial debt and ...
Rational Optimist - November Edition
04 Dec 2024
Contributed by Lukas
These articles from the Rational Optimist Society discuss the resurgence of innovation and the need for deregulation. One article highlights excessive...
Retirement Spending Surprises: JP Morgan Study
02 Dec 2024
Contributed by Lukas
J.P. Morgan Asset Management analyzed anonymized data from over 280,000 Chase households to reveal three key retirement spending surprises: a declinin...
Retiree Life in the Post-Pandemic Economy
02 Dec 2024
Contributed by Lukas
What role will housing play in the Transamerica Center for Retirement Studies and Transamerica Institute released their 24th annual retirement surv...
The Case for Dividend Investing
30 Nov 2024
Contributed by Lukas
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 ...
Understand The MOVE Index and Interest Rates New Normal
08 Nov 2024
Contributed by Lukas
Harley Bassman’s Convexity Maven publication is a commentary on the bond market and macroeconomics, particularly focusing on the relationship betwe...
The Secret Power Within Your Mortgage
07 Nov 2024
Contributed by Lukas
"The Secret Power Within Your Mortgage" is a book by Daniel Amerman that argues that mortgages are an overlooked tool for managing financial risk, pa...
Rational Optimist Society - October
06 Nov 2024
Contributed by Lukas
The sources from the Rational Optimist Society highlight the importance of optimism in facing a changing world. The first source focuses on the potent...
Financial Literacy in the Workplace
06 Nov 2024
Contributed by Lukas
The first source explores the connection between financial wellness and emotional well-being. It highlights the negative impact of financial concerns ...
Financial Literacy in the US
06 Nov 2024
Contributed by Lukas
The two reports provide information on the state of financial literacy education across the United States. The Consumer Financial Protection Bureau ...
What is a CLA and Why Use One?
30 Oct 2024
Contributed by Lukas
The National Institute of Financial Education (NIFE) is a non-profit organization dedicated to educating consumers about the financial implications of...
10,000 Clients
29 Oct 2024
Contributed by Lukas
The sources provide detailed advice on how to grow your presence on Twitter and LinkedIn, beginning with selecting a niche and optimizing your profile...
Growth Coach Client Marketing
29 Oct 2024
Contributed by Lukas
The provided sources offer a comprehensive guide to creating and implementing effective marketing funnels. They cover various aspects of building a pr...
Employer Sponsored Financial Literacy Education
24 Oct 2024
Contributed by Lukas
The sources discuss the significance of financial literacy in the workplace. They highlight the widespread financial illiteracy among individuals, the...
Compounding Quality Assets MashUP
24 Oct 2024
Contributed by Lukas
This is about 10 investments books combined. "The Best of Compounding Quality" by the author "Quality Compounding." The e-book provides an in-depth an...
EY Global Wealth Management Industry Report
24 Oct 2024
Contributed by Lukas
As a liability advisor, you want to learn more about the depth of financial plumbing, locally, nationally and globabally. This EY Global Wealth Manage...
The Secret Guide To Understanding Credit
23 Oct 2024
Contributed by Lukas
This excerpt from The Secret Guide To Understanding Credit by Todd Ballenger outlines the intricacies of the credit reporting industry and the signi...
Kitces Report - How Advisors Market Their Services
23 Oct 2024
Contributed by Lukas
This report, "How Financial Planners Actually Market Their Services," is a comprehensive marketing study conducted by Kitces Research that examines ho...
Housing Outlook - Borrow Smart with Apollo
23 Oct 2024
Contributed by Lukas
This report from Apollo Global Management analyzes the current state and future outlook of the U.S. housing market. It highlights factors like low hou...
What Is Enough?
22 Oct 2024
Contributed by Lukas
What IS Enough? is a coaching session guide for an educational course focused on personal financial management. It explains the concept of “enough”...
Borrow Smart Repay Smart - Chapters 1-8
21 Oct 2024
Contributed by Lukas
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 un...
11 Reasons to Carry A Big Long Mortgage
20 Oct 2024
Contributed by Lukas
This text presents a debate between two financial advisors, Ric Edelman and Todd Ballenger, regarding the benefits of carrying a large, long-term mo...
Listen In as we Talk About Working with Advisors
18 Oct 2024
Contributed by Lukas
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.
Investing Books MashUP
06 Oct 2024
Contributed by Lukas
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...
Manage Liabilities and Assets - JP Morgan Wealth Report
04 Oct 2024
Contributed by Lukas
This guide from J.P. Morgan Asset Management provides insights into the various aspects of planning for retirement in the United States. It covers ess...
Why Use a CLA?
27 Sep 2024
Contributed by Lukas
In a world filled with uncertainties, protecting your business and personal assets is paramount. Welcome to "Why Work with a Certified Liability...
Why Work with a CLA?
26 Sep 2024
Contributed by Lukas
Working with a Certified Liability Advisor for your mortgage and lending needs is a completely different experience. Listen to this short podcast inte...
Continuum - Time Scarcity
26 Jun 2024
Contributed by Lukas
Continuum - Time Scarcity by Todd Ballenger
CLA Mastermind - Leverage
03 May 2024
Contributed by Lukas
CLA Mastermind - Leverage by Todd Ballenger
John - FAST Call 4-26
29 Apr 2024
Contributed by Lukas
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.
4-24 Small Hive - Pain Mining and CALM
23 Apr 2024
Contributed by Lukas
4-24 Small Hive - Pain Mining and CALM by Todd Ballenger
CLA Mastermind - Inflation
19 Apr 2024
Contributed by Lukas
CLA Mastermind - Inflation by Todd Ballenger
4-5-2024 CLA Mastermind
05 Apr 2024
Contributed by Lukas
4-5-2024 CLA Mastermind by Todd Ballenger
CLA Mastermind 3-15-2024
15 Mar 2024
Contributed by Lukas
The 3-Sided Balance Sheet, how to position more like a financial advisor to develop consumer business and advisor referrals.
HIVE Mastermind FAST 2-23-24
23 Feb 2024
Contributed by Lukas
HIVE Mastermind FAST 2-23-24 by Todd Ballenger
Tom John Mike Call With Financial Experts Network
13 Feb 2024
Contributed by Lukas
Listen in as Todd, John and Mike Slaughter - A financial advisor with his CLA talk to a group of financial advisors nationally about liability managem...
The Borrow Smart Conversation - Part I
19 Jan 2024
Contributed by Lukas
CLA Small Mastermind Group Discussion
Why Use a CLA - John Thompson
06 Dec 2023
Contributed by Lukas
Why Use a CLA - John Thompson by Todd Ballenger
CLA Mastermind - RETURN
17 Nov 2023
Contributed by Lukas
Discussion about Return as a component of the Borrow Smart Conversation.
Mastermind Call IKIGAI and Missing Money
22 Sep 2023
Contributed by Lukas
Mastermind Call IKIGAI and Missing Money by Todd Ballenger
Why Aren't You Getting More Advisor Referrals - Part II
18 Aug 2023
Contributed by Lukas
Why Aren't You Getting More Advisor Referrals - Part II by Todd Ballenger
Why Aren't You Getting More Referrals From Financial Advisors
04 Aug 2023
Contributed by Lukas
Want to know why you aren't getting more referrals from financial advisors, listen to this discussion.
Mike Slaughter - Working with Advisors Interview
26 Jul 2023
Contributed by Lukas
In this conversation, we talk with Mike Slaugther - financial advisors - about working with advisors, asking questions that many lenders are afraid to...
Mike Slaughter
09 Feb 2023
Contributed by Lukas
CLA Interview with Mike Slaughter
Daniel Benigno - Recent Graduate Interview
04 Oct 2022
Contributed by Lukas
In this series, we interview a recent graduates to see what they learned and answer questions they may have.
Interview with CLA on Mentality of Working with Advisors
13 Sep 2022
Contributed by Lukas
Interview with CLA on Mentality of Working with Advisors by Todd Ballenger
Behind The Chapter - Location, Location, Location
28 Feb 2019
Contributed by Lukas
In this Behind the Chapter we talk about the key dynamics behind the real Location, Location, Location - which is far more than just the location of t...
Behind The Chapter - House Wealth
25 Feb 2019
Contributed by Lukas
Listen as Tom and Todd talk about what was going on behind the chapter, why was this written, and what should you take away as a professional.
Behind The Chapter - Foundations
25 Feb 2019
Contributed by Lukas
Listen as Tom and Todd talk about what was going on behind the chapter, why was this written, and what should you take away as a professional.
Chapter 17 - Step 7 - Discipline
24 Feb 2019
Contributed by Lukas
Chapter 4 explains the role discipline plays when investing in the house.
Chapter 16 - Step 6 - Protection
24 Feb 2019
Contributed by Lukas
Chapter 16 explains the role protection plays when investing in the house.
Chapter 15 - Step 5 - Management
24 Feb 2019
Contributed by Lukas
Chapter 15 explains the role management plays when investing in the house.
Chapter 14 - Step 4 - Amount
24 Feb 2019
Contributed by Lukas
Chapter 14 explains the role amount plays when investing in the house.
Chapter 13 - Step 3 - Availability
24 Feb 2019
Contributed by Lukas
Chapter 13 explains the role availability plays when investing in the house.
Chapter 12 - Step 2 - Payment
24 Feb 2019
Contributed by Lukas
Chapter 12 explains the role payment plays when investing in the house.
Chapter 11 - Step 1 - Product
24 Feb 2019
Contributed by Lukas
Chapter 11 explains the role product plays when investing in the house.
Chapter 10 - Part II
24 Feb 2019
Contributed by Lukas
An overview to the key steps a borrrower can take to borrow smart.
Chapter 9 - Diversification
24 Feb 2019
Contributed by Lukas
Chapter 9 explains the role diversification plays when investing in the house.
Chapter 7 - Taxes
24 Feb 2019
Contributed by Lukas
Chapter 7 explains the role taxes play when investing in the house.
Chapter 8 - Leverage
24 Feb 2019
Contributed by Lukas
Chapter 8 explains the role leverage plays when investing in the house.
Chapter 6 - EPR
24 Feb 2019
Contributed by Lukas
Chapter 6 explains the role interest rates play when investing in the house.
Chapter 5 - Return
24 Feb 2019
Contributed by Lukas
Chapter 5 explains the role return plays when investing in the house.
Chapter 4 - Liquidity
22 Feb 2019
Contributed by Lukas
Chapter 4 explains the role liquidity plays when investing in the house.
Chapter 1 - Wealth In The House
22 Feb 2019
Contributed by Lukas
Chapter 1 explains the broader dynamic of investing and in the house as an asset and a liability.
Chapter 3 - Safety
22 Feb 2019
Contributed by Lukas
Chapter 3 explains the role safety plays when investing in the house.
Chapter 2 - Location Location Location
22 Feb 2019
Contributed by Lukas
Chapter 2 - Location Location Location by Todd Ballenger
Part I - Foundations
09 Jan 2019
Contributed by Lukas
Introduction to the Borrow Smart Journey - The Foundations chapter does just that, it lays the foundation for the reason the book was written and a li...