Financial Crisis Alert: Why Your 401k and IRA Might Not Save You!
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This is the rich dad radio show, the good news and bad .

news about money. Here's robbert key new. It's actually an S O S show. I mean, IT IT is an emergency show we slaughter in because there's a lot of people you may or may not know they're big financial trouble.

And our guess today is a long time friend hawaii, rui hawaii. And i've been friends for years, but I I hate him him initially because he told us a financial planner and and I said, what you on the dark side, you sound of a bitch, but always been friends. But I found out he hear the same points of you.

I did let me have an idea why I call this is john. My gregor has, after a book, ten top, ten top reasons why which people go broke. And my concern is today is a lot of people would, maybe they not rich, but they're gonna broke.

So the S O show from which I was slotting IT and tight, like me, you know, my background, this whole thing about why were in crisis is nineteen twenty four. I was just getting out of the marine corrosion tion in hawaii, or he be marine curists tion. And I was looking for a job.

And so I got, I want a job with the zero x corporation, not because I love zero x machines, but I had to learn how to sell. And that was the main reason I view with two companies IBM. In jx, I took you at the same time, there was a new single arrests, a which I really wasn't paying much attention to, but because I was interviewing, but people I can here, things called her resa and a resistance for employee retirement income security at.

And every time they say that governments tell you they are gonna be secure retirement, you know, it's toast with me. I don't trust my government is far as I can throw, and you can throw at anywhere. So arrest have been LED to a thing called before one.

k. So over the next couple years, I say seventy four to, like seventy eight. I saw this exit as a school teachers leaving the profession made for family teachers.

And they are becoming financial miners. IT was, this sounded good, like there are experts, all this. And all I was saying to my second, not so politically correct, dark side, this, this is the poor leading the foolish.

no. And I said, we're going to have a disaster coming. So you have these guys to know nothing about money.

School decisions are all these other people who are just putting their jobs to have a profession called financial planner. And then they are advising people who knew nothing about money about their financial future. A man, this can be a train rack in the future.

While this is the show, the S O S is here. So if you are an old guy like me, a baby boomer who's had a four one k or an I R A, but I call define contribution D C pension plans, this is your show. And if you are a Young person for one laps around the world, you onions now one word thing I want to say here is this, we don't make recommendations.

We don't tell people what to do because that's the problem. That's primary reason people get ancient trouble. They want to be told what to do, actually, to tell the same old garbage, the susie arman red, right, got up your the blowing means the best, not well diversified portfolio, a stock sponge which you funds in E, T, S.

All should. I would never do that, but I don't have to do that. You see, you might have to do that.

There's a difference. So that's why my advice depends upon who you are. Or what I do depends on upon who you are. Most of people not to be too much, but people can do what I do. But I practice for all these years, and is this as a kid.

So this is what this shows about, because you might be in financial trouble, your parents, your grandparents, severe financial trouble today, because that nineteen and seventy four eight there are act, which LED to the four one k and h dir race and route dir race, especially designed for people who want to be told what to do, go to school, get a job. You know, they rams is a friend of mine. He says, live dead, free and truthful.

Ly, most people should do that, but I would never do that. That is money. So I come from the other side of the coin is all all coincides of three sides, heads, tails in the edge.

So on the other side of coin is day rams, you think lived that free, immovable should because they don't not handle that. And then I said, the coin is, I went to school to learn handle dead how to raise capital using other people's might and when you've lost somebody's is money is pretty fighting. And so that's why I don't do this suck again, once radio does not make recommendations, we don't tell you what to do because that's the problem.

You got condition to be LED by foolish people to tell the who, tell you what to do with your money. And I meet so many Young people, oh, got a great job, is kind of four one k and I drop to my knees, take labs from the rose, repeat as this person, and severe travel down the world. So welcome to the .

program job. Always great to be with the rover. Always fun. And I couldn't nothing more timely than this up is so right now.

what's going on?

Yeah by the way, let me to say, I mean recovering when you 组合， i gone to the twelve step program, I am myself from the night because that approach the traditional methods of financial planning that finally regalias does not work and we can get into that. But anyway.

it's to be and what is IT? Tell your book at .

the top ten reasons the rich go grow. And it's powerful stories of people I knew that had everything and you do a lot of us well and then they lost IT at all. And although it's a look about why the rich go broke, it's really by really why the masses are broke and struggling and building paycheck to paycheck.

So uh, if let's say you're sixty five years old to set you set to retire even four one k what would you say to that person? I mean not giving advice again.

But yes, well, I be very, very nervous right now. It's a really chAllenging time right now. Be sixty five and wondering, I want to retire.

I am gonna do that on my four one k assets in in in this 然后 not everyone else is fact and social security is going to be running out like twenty thirty four。 Um we're looking at the perfect storm. So people must yet proactive right now. They cannot just bury their understand. As i've seen so many .

people do well, think so. Let's your thirty year old, you saying all, I got a high paying job. I got a four one. K what would you say to them?

Well, I mean, that's great. Now on the show many times, i've defended for one kay, not because it's a great retirement viability, because it's really the only retirement people of vehicle most people had that was never designed to be the sole retirement vehicle for people. IT was meant to be a supplement to people's pensions, but now the pensions are basically gone away.

Companies are offering the meeting or in those that do are really curtAiling the benefits. And now the four one case, really the sole retirement vehicle for most people. So if you're thirty, I would definitely take advantage of. But what I would be doing is educating myself to create my own passive income building assets, the generate cash flow. You cannot rely your employer for your financial future.

Yeah because what you are think is get active and not get proactive. And that's what the whole estate company was founded for, was for those of you who want to learn how to be a capital, basically how to manage your own frequent money. Why turn out over to an IoT and never understood that? no.

And by the way, this is not a paid endorsement. I tell us to everybody, the first thing they should be doing is playing the because, ravel, you talk about context all the time. There's no Better way to build context over what you want to do in your life and really understand how the system works that I would just play that over and over and over and again. That is a dancing, especially right now, right? Thank you.

Because in the reason came when I created the casual board game, was to awake in your financial genius, because everybody smart when IT comes to money. You know, I I mean, I was talking to A A five year old kid, and the kid knew different than one dollar bill in a five dollar bill. I mean, the guy could count, which more I can see for most people.

But anyway, but if you awaken your financial genius, I mean, getting rich is fun, is the most fun game I play. know. The reason I like IT is because markets go up and markets go down, you know, like life and it's just real life, but most are awake in your financial genius and take control of your financial future.

But that's what happened for me was that when having a richa ad in a poor dad, I saw my poor dad page day from stanford in chicago, in university in northwest northwestern, he was just so content to have A P. H. D in a job in a government pension, which the government pension is kind of a defined benefit plan.

Where is the you guarantee a paycheck for life has to find benefit. And that's why so many people are government employees, which is why the government going broke all these people who get a job. And if we all know that and the government broke as a defined benefit pension plan and then in one thousand and seventy four, they shuffled off to buffalo, all the baby burma, to define contribution, which meant you had to contribute to IT.

And if I was there when you retired, good luck. You know, I, me, you're lucky. But if it's not there, and that's what we're saying with this l SOS show, IT might not be there.

So john, you there are different in active and proactive being told with you do in all this, what are you doing? I mean, you are A A certified financial planner, which is millon above, just like being an account. No, what is a certified financial planner and a financial planner?

Well, that's great question. You know don't allow IT taste to come a financial advisor six weeks past the three seven and now you are financial adviser capable and uh legally able to manage people's life savings. You know, I took my dog to the a dog wash person the other day and there's a poster in there and I said our dog washers have a year and a half of experience before they're allowed to wash dog.

A financial adviser sits for an exam in six weeks and now is the, now is the mentor of your money. It's it's really astonishing. And we always styles that takes a year and half and styles her style makes mistake, the hair goes back and find into planner makes a mistake, doesn't.

I could just tell you countless example, I ve spent years coaching financial advisers, and it's amazing how little they don't know. Most of very, very good people, they just don't know. What they don't know reminds me the time where I share an office with an insurance salesman, and suddenly he got a series, sex, series sixty five, which is even less, which is much easier to get in the service.

Seven, and now is an investment expert. This happens all the time. It's a key story in my book.

You know, the foremost dangerous words I hear, I trust my adviser the most dangerous than you can possibly do right now. Um I think i've seen that countless fans, but here's a perfect example. Couple comes into my office, the approaching retirement and they're like john, we referred you.

I on T, V, we trust you. Here's our money. Just take IT. No questions are asked, nothing.

I tried to explain my philosophe, what I do, what I charged, and they say, john, we trust you. Take our money. And that happens over and over again. That's the chicken dinner. Simple, right couple gets invited to the free chicken dinner and they're just wow by the presentation and the free dinner and before the before the presentations over, they're willing to hand over to all their money to the strange without any due diligence is is an absolute mess. So so john.

he said of a financial planner, you were training other financial. So you, you and your certified financial planner, when did the lights go on for you personally?

Well, IT was about twelve years ago. I remember red distinctly. You and I and kim and J. W, we're having dinner and I was explaining to the frustration I was having with my clients.

And IT was a typical scene of the thousands of clients i've work would try to help and coach they instead of my office and say, okay, john, let's do this and I would they would lay out all their financial information of statements, and I ve input IT into the system. And I would immediately see that they're headed for disaster. The graph is showing them, they continue doing what we're gona do.

They're never gna be older, retired, that what they want or when they want. And they would get all nervous and excited and maybe jack each other when, honey, we got to get serious. So I then map out a plan, a blueprint for success with all the strategies, the tactics of the tools and everything they needed to do as a bulletproof.

And we would hide five, and we say, even piny square, that they were a hundred percent committed to the plan that we just laid out, and they would run off in my office. And as soon as they laugh my office, they are on their way of best fire and electronics stored by a new flash ring, T, V, on a credit card that already maxed out. So in other words, all about planning.

All any information that I pred in dom had a shelf life of, like ten minutes to a day before they're back to living the same life, the same habits, the same behaviors back, what I call living on pain island. All that planning did nothing to affect real, meaningful change. And what I realized, and at that dinner, is when J.

W. Reached out, and I was just because that what school stuff does not work is because information does not cause transformation. Information does not cause transformation. That's what I realized all this time.

And I was just pouring information in the people, thinking that that was going to affect change because this isn't a lack of information, because plenty of information out there, people are showing what to do. This is a behavioral issue, right? And the only way to change behaviors that the core of someone, medal of program, that was my tifany, my ahma. I realized that the traditional methods of financial planning does not work for most people. So we gona .

go to a break. I want to go back to what my favorite. scape go this is our education system you know i mean ask our education system is so corrupt broken and walk right now most academics have this point of view i'm not interested in money so we come back when we going on more i will join my good friend and the what better way j abuse is lunar we played roby with some oil also and he saw the light and he went into education which is another problem but anyway right Into .

the fire.

But when robi players type becoming educators, we're in deep trouble right back.

Are you worried about your financial stability? And these other times, if you are, the next minute can profoundly, in fact, here, funny, actual security. Imagine we can, up to by the economy as ung or folio as drop, forty, forty five percent turmoil your money usage while waiting for the fd icc intervention.

Where would you turn? Gold is a no matter what story, wealth that you need. That's why Robert has been such an advocate of gold.

And atrs allegiance gold alliance gold team is ready to help you incorporate physical gold as part europo folio and projected against economic uncertainty. Visit project with robber backcomb today to learn how you qualify. Rope the five thousand dollars in free silver with a qualified investment, or give them mccoll and eight, four, four free or Robert. Remember dimension Robert game sent you when you contact allegiance gold a currier I R A or four one day today with allegiance gold visit or deck with a rabbit duck com or cal a four, four, three. Robert.

hey, what's up as one of of drama? You know, a lot of us don't think twice about our tech. Millions of americans struggle to connect to today's digital world. And that's why this story really hit home for me.

I mean, I start thinking about my up, bring in myself growing up in a world where, you know, you needed every possible tool or help you could get to actually allow you and afford you a bigger dream. That's why I know what A T and been doing is doing something amazing. And they they have launch an effort to equip twenty thousand students with lab types, backpacks and school supplies.

Um see out of for example, they provided two hundred and fifty lap types and backpacks to kids who who really needed them now you might think like, okay, two hundred and fifty kids that's nice but but stuff to think for a second like the impact what this could do for a community. Imagine in two hundred and fifty kids getting that kind help. It's, it's, it's huge.

It's not just happening in seattle, right? Att is doing IT all over the country. I'm just proud that att is helping connect the next generation to a pictures. And that's that's prety special.

Connecting changes everything. A, T, N, T.

Look at back rock, like of the rich generation show. This is our S O S show. Save our saving show. What we should say that to our guess today, just my greg is the adviser I were brought him on, boy, because we do need a financial planners profile, because most of our friends are, and they have no idea that financial planner do.

So we have so could wish talking about what what you can do now, given the state of economy, if your by holding, praying for your retirement, as you sixty five, you might be in serious trouble I think in the baby of generation through out of time and hope we're wrong. But that's why this is also a friend of our john mcgregor and john um nothing about rich that we don't say that we don't tell people what to do. We don't get financial advice. We don't say by real set to buy stocks or buy bonds or sells of that stuff.

I'm one hundred percent cash. I moved completely out of the market. Having said that, I do generate cash flow by trading options is very successful strategy that property I have my books, my online course. I don't work for a page check. I haven't work for a page check in fifteen or twenty years now um but I am extremely proactive and um and i'm always educated myself all the time as you are about to we're always .

when we we get together as friends and all this always like with George gaming and Kenny maco in tom, when you're right, we're always discussing money and money state gies which goes back to before the break I I grew up in a family of government employees, and the whole thing is self rights. Attitudes are not interested in money. I says, want to do a good job for the community because lie ever heard you tried, take their paycheck away.

They fight like dogs don't by join the hand, but there not interested in money because money is the root of all evil. That's what, that's what I hear going on all the time. So anyway, john d, you know, he thought, thought trade options. I mean, did you just one night side trading options and making million dollars?

No, I mean, to took me, took me a while to figure this out. But the strategy i'm using is not complicated, doesn't require advanced h even, even understand economy, simple, well right strategy. My ninety two year old father is implementing the street, has been using the strategy for five years, is generating ten to fifteen thousand dollars of month.

IT is spare time as a as a hobby. So now this stuff is not complicated. But your point, robot, I mean, I tell people over and over again, I get the, I get to the emails and the messages from people that are struggling. And like, what do I do and I like, you know, I predit tell us some things that they should be doing, but I just, they won't do this because they're just fat and happy. They're never been through like this. And IT was no IT always reminds me of what what about twenty said he said no matter of evidence will ever persuade in eighty and that's sadly so many people today are living with their head in the sand, you know, and they're gonna wake up one day and are going to see the four one k baLance in half. And there are pension benefits that they work thirty or forty years for cut in half because there's no money despite this guaranteed that some agency, uh you know promise them, you know so so I just .

know my my very first book, long before Richard product was a book call you want to be rich, happy, don't go to school this time the whole thing off is when when financial planners begin to the fat, a new profession, you know, every school to not every you just living and drugs. Yeah, I said that was the poor leading the blind. Yeah, it's just shocking what's happen.

Our problem is education. I is so hard core maxes right now, my look capable, mental. Festo is that is the communist of game plan.

IT has always been to invade higher education to nineteen and thirty. The Frankfurt schools send teachers to columbia university in york, and that's when the student protest began and they began. AmErica became communism through our education system. No, no, that's why i've been fighting and writing in all this.

Another thing too about options is that just because john doesn't mean that you should do IT because I studied options for about three years and i'm a marine when our brains aren't for fast or swear, I just don't enjoy IT so so if you don't enjoy IT, don't do IT so that's i'm a real estate guy and I make him more money than never before today. But because I am a per pro active investor, I was the same to john. I just I just saw two properties that we made quite a lot of money on and is where do you put your money? Where you put IT in cash? I bought one go balls, your breeding balls.

I was, you know, this, this is a japanese breeding ball, which I was wanted to be, but never got there. But then you can, I mean the food business now and I mean the oil business, you know, because oil and i'm not and not stock business, I don't trust stocks or bonds. I never have I don't have any while.

I do have some other companies I took public, but I am proactive or and most people, like you say, want to be told what to do. So I write about what I do and all my books, I was a difference there. So I just said, just recently, I saw two piece of land.

I made four hundred thousand dollars, and i'm putting IT in to y go, cattle and caves, amin, cows. And next may they drop more cattle. So is called cash for, and it's not that hard to do, but you have to can not know what you're doing.

So my whole st strategy, being a marine and a sea student, never been brighten school. I always ask people who are doing what I wanted to do. So my friend who is investing in the balls, that's what he does.

He invest in balls and both have in box, and he breaks in a public several hundred cows a year. And think of all the caves are drop from that. That's leverage.

You know, I just kind of like the whole formula, and I like to eat. Now, if you don't like to eat beef and he wants some salary, you know, I not really care, but you get your personal dignity up there. You miss the whole point here.

Investing what people need. People need oil. I invest in IT people need housing. I invest in IT people need food. I invest in IT. There is a very big difference, but I invest with people who are doing what we invest in. Any comments on that .

on yeah you know that just reminds me of the first time I walked into your kitchen fifteen years ago, and all I saw the kitchen counter with books. And IT just struck me. Because not only do you read books, you devour books.

Because the by the tone you been through a book one or three times, which you often do IT is loaded with those little sticky tats, important keynotes. So I think that the overarching theme here, and why the show is so important, so successful, is all about education. All about education.

Yes, the school system rob you of any money, money, education. But you can blame them. It's time to move on and start educating yourself. And and and that's the key to this.

You cannot sit back and wait for someone else or some other entity to take care of me is an absolute train rack of a strategy that's the strategic called hope. And hope is not a retirement. Sadly, too many people use hope as their strategy.

But the bit, the worst thing on us, little people you talk to years ago, there are too old now. Do I mean that's the problem? That's the problem.

So let me as not want a final questions. What do as a new financial planner, like as a new zero x salesman, I was trained to sell against I B M at the time I B M machines. So as a financial planner, what you tell your clients who get .

nervous yeah the the traditional rules that we were taught that I was taught back in the day by the best farm on wall street was by and whole stay for the long term. It's not time me, it's time in the market. Those of the clean shaves that we were caught because they don't want us taking money out of the taking our clients money out of the market because there's no revenue, right? There's no assets on the manage.

So I want is the same does the key word, what does asset under management mean? We have a billion dollars .

under management. What for ducis? We don't charge it's all non sets assets and manages basically an investment firm or financial advice training, gather as much assets that they possibly can manage those in the stock and bond market and then charge in asset based doing that.

So that's for the place. So when I mention named because I want to stay arrive here, but you know what he is? T V is we're different here. We don't make money unless you make money. What do you think .

when you see that it's just absolutely B S um it's it's just is so false and so untrue. They don't do anything different than any one other any other no financial manager, asset managers charge commissions. They say, well, you don't charge.

There are a producer which is total access. That word is so overplay. It's basically a marketing tool for financial advisors. I can clearly show that you'd be more safe as a working with a non flushed, then you will, with a producing.

By the way, this whole producing work, the biggest financial scam in world history, was burning, made off, and he was a producer. So this notion, protected by a producer, is not so that same producer advice of bad. I'm just saying, do not trust something just because they say they reproduce.

What is a producer ing producing?

Well, you have give two sets of rules. If shary is that you're working in the client's best interest where nice dusty is, you're offering the most suitable investments. So its suitability, this is best interest and always sounds great that my advisers working on my best interest rather than somebody is just being suitable.

But I will tell you the funerary advisor, it's the wild west. There's very little oversight as a fido shery there your own compliance manager, you can invest in anything no one wanted what say, what say present. It's like guys said it's very much the wild west for a lot of these reduced revise. So again, I would not fall into that trap to dangerous trap. And two visors are using as a marking employ to attract new client.

So fiduciary and technical terms means you were in the best behalf of the client. Yes, great. And you're not for there. sure. I means you doing was good for you.

What you're doing, what's suitable. And at all my years coaching both both advisers foolisher and non for sure I ve never heard in non fluency say, well, i'm just recommending stuff because it's suitable no ninety nine percent advisers are trying to do the right thing for their clients um regardless of the resident. And if they don't do the right thing for their client, i'm telling you, if they have so much compliance oversight monitoring, everything they say do recommend that. You know that is very difficult to I mean that that happens all the time, but it's very difficult, more difficult to sa client as a not for sure than that is a for .

another I see is the same company that the advertising most you can make, right? I would say the more they advertise the worst experiment realize the the bigger the worst. The yeah yeah somebody says we don't make commissions.

We don't try. We don't sell commissions product. What does that mean to you?

Wall this old notion. This was back in the day when the money manager was buying and selling stocks and bonds. You get a commission every time that is so old school that doesn't happening.

So these money managers, whether it's a mutual find or an asset manager um with third party managers, we call them, they will charge commissions when they're buying and selling. But in that portfolio, they're charging the asset based fee. So the fact that they say that they're not charging commissioners is rather later press is a lie is a lie.

you know it's a fabrication .

like they're doing something Better than others because they don't charge commission, no one charges. It's it's ridiculous.

So they get money for us is under management.

yeah. And then the other thing is they say, yeah, we do Better when our clients do Better. Well, that's true.

But when the client does worse, like in these markets, they're still getting the rest of bed fee. There are still making money on a smaller amount of money, but they're still gathering their their feet. So again, that whole commercial is so misleading. And H, I surprisingly haven't been called out by now .

by the regulators. A certain female that's famous on television. Just P, B, S.

my .

friend, live below your means and diversify. Diversify, I call diversification. Diversify, just diversify your account.

Yeah, this person was charged for something, right? We one mentioned her name. Yeah, what was he charged with?

That was credit card fraud. I there was a debit card fraud, among other facts. I mean, you just google her name. And boy, there are so many documentary videos on how we can people, it's, it's quite a shame actually. It's that because that ruins the old.

but she's a star of P. B. S.

And then some many people .

are being trying because I go to school, tell me what to do is why seventy eight .

percent of people, working adults, these aren't almost people. These are working adults. Seventy eight percent of them are living paycheck to paycheck. That's why. Tell me what to do.

So let me give you an example. You know, dyram is a friend of mine, is the is so 了 in a live det。 free.

But the other said that coin a summer like me. And what I study was, how do I use debt as much? That became money in nineteen and seventy one, you know.

So I learned how to borrow money because that is tax free. Then I invest in property, and then I get my income tax free because appreciation appreciate ammunition. Ation is a tax loss.

But they takes study. You want, just do IT overnight, as can make roo ice books. A B C, S, A real state.

A B C, S, A real investing. But you got a study, you don't be told what to do. Just listen to the TV and pray i'm in the boy hole and pray .

I call IT. The problem is right, we've seen this in the the events that we ve spoken at around the world is every single event we get these people coming up to us. John, what do you think about bitcoin?

I'm thinking about daily train. I'm going to get my real estate place place. What do you think about multi level marketing? All these, what I call below the line, quick fix solutions, thinking that by buying these programs it's gona change their life and that's the problem. People are looking for this quick money making fix rather than, like you said, educating themselves. And that's why are we say, I always tell these people play the cash game first before you do any of this stuff, time, energy.

Yeah, you have to do something.

Do something.

So once again, john, thank you all very much as as well I show, well, john is an advisor, your friend. Look, guys, you take financial advice for financial planner something, but take financial advice from rugby player, you get educated. So thanks, john. Thanks for .

you so much.

Hey, what's up as one more of the ama? You know a lot of us don't think twice about our tech. Millions of americans strugling to connect to today's digital world. And that's why this story really hit home for me.

I think I start thinking about my upbringing in myself, growing up in a world where, you know, you need IT every possible tool or help you could get to actually allow you and afford you a bigger dream. That's why I know what A T N T been doing. You're doing something amazing.

And they've launch an effort to equipped twenty thousand students with lab types， backpacks and school supplies. Um see out of for example, they provided two hundred and fifty lab types and backpacks to kids who who really needed them. Now you might think like, okay, two hundred and fifty kids, that's nice, you know but but started to think for a second, like the impact of what this could do for our community.

Imagine two hundred and fifty kids getting that can help. It's it's huge. It's not just seattle, right? A T is doing IT all over the country. I'm just proud that A T is helping connect the next generation to a wider futures.

and that's very special. Care changes everything at news.

about money this is show because it's bad news for lot of people other side the coin is actually good names because during a crashes is when you make most of your money so with that i don't want to thank john my gregor and for the shock and we don't get financial advice especially in to rugby players definitely don't listen to us but listen to what we do is the differences we do things differently so i don't do option string like john does but i do by japanese cattle i give a plug oot back up and john this is me kim and i created the test born again before i rote which ported was to awake in your financial genius because you have to do that if to fill up the numbers you see a cash is falling through the into save and balances and the typing of cash flow which switch your banker once to see is your financial tape and not your great point average stupid people who cares what your grades wear of your broke you know but anyway the reason crated cash full board game as you have to do something so thank you for listening ing to this rich that s o s show thank you very much.

this podcast is a presentation of rich dad media network