Money Tree Investing – Details, episodes & analysis

David Baker talks about why investing in undeveloped land may be the secret strategy you've been waiting for. We also discuss why water rights may become one of the most valuable assets in the coming decades and how growing water scarcity is driving demand for land with access to water. Drawing on his background as a hedge fund manager, real estate investor, and founder of the Land Value Alpha Fund, David explained how water rights work, particularly in Montana, where groundwater and surface water rights can significantly increase property values.

He highlighted research suggesting that investments in water infrastructure such as wells, pumps, storage systems, and distribution networks can generate substantial returns, while increasing demand for water, energy, and developable land is creating a powerful convergence that could push land prices much higher over time. 

We discuss... 

• Why water scarcity is becoming a growing global issue and increasing the value of water-rich land.
• How groundwater and surface water rights work, particularly in Montana.
• The unique advantages of Montana as a headwater state that supplies water to much of the western United States.
• How property owners can develop wells and water infrastructure to increase the value of their land.
• Research suggesting that investments in water infrastructure can generate significant returns relative to their cost.
• Why water rights are becoming increasingly important for homeowners, farmers, developers, and businesses.
• How increasing demand for water and developable land could drive land prices substantially higher in the future.
• The relationship between land ownership and water access, and why water often determines a property's long-term value.
• Examples of investors and institutions acquiring land specifically for its water resources.
• How water banks allow water rights to be leased, traded, and allocated among different users.
• The challenges surrounding water allocation and legal rights in regions facing water shortages.
• Why desalination has not been adopted more broadly despite its potential to address water shortages.
• Real-world examples of water rights mistakes that can create major problems for landowners and developers.
• Why understanding local regulations is critical when investing in land and water resources.

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter/X: https://x.com/MTIPodcast

For more information, visit the full show notes at https://moneytreepodcast.com/investing-in-undeveloped-land-david-baker-826 

As SpaceX stock soars, we talk IPOs for space and beyond. We also focus on the market's reaction to a new Iran ceasefire agreement, the implications of the highly anticipated SpaceX IPO, and what these developments may signal about broader market conditions. We look over how IPOs have historically performed, why many high-profile offerings struggle after their debut, and whether SpaceX's valuation reflects genuine business fundamentals or investor enthusiasm. We also examined the economic impact of falling oil prices, shifting inflation expectations, upcoming Federal Reserve policy decisions, consumer spending trends, and why correlations often drive market narratives. 

We discuss...

The market's positive reaction to a renewed Iran ceasefire and the resulting drop in oil prices.
Breakdown of the SpaceX IPO, its first-day performance, and why retail investors were eager to participate.
How IPOs work and why many high-profile offerings historically decline after going public.
Why company insiders often choose to take businesses public when valuations are most favorable.
Past IPOs including Uber, Meta, Coinbase, Robinhood, and Rivian to illustrate common post-IPO price patterns.
Whether SpaceX's valuation is justified by the strength of its Starlink business and launch operations.
OpenAI, Anthropic IPO expectations and concerns about AI company valuations.
How large IPOs can act as liquidity drains by attracting capital away from existing market leaders.
Elon Musk becoming the world's first trillionaire and what that signifies for investor sentiment.
How falling energy prices could help reduce inflation and improve economic conditions.
Upcoming Federal Reserve leadership changes and expectations for future interest rate policy.
Consumer spending trends and the role of Baby Boomer wealth in supporting economic activity.
Why investors should focus on correlations rather than assuming direct causation in market movements.

For more information, visit the full show notes at https://moneytreepodcast.com/ipos-for-space-625 

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | Mergent College Advisors

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter/X: https://x.com/MTIPodcast

Jon Grishpul joins us to discuss rentals vs ADUs (accessory dwelling units), and the growing trend of converting garages and unused spaces into flexible living areas. Relaxed zoning laws in states like California are helping address housing shortages while creating new opportunities for homeowners. We explored the challenges faced when managing construction projects, from finding trustworthy contractors and comparing bids to understanding contracts, permits, insurance, payment schedules, and cost overruns. Jon shares his practical advice for vetting contractors, avoiding common renovation pitfalls, handling unexpected issues during projects, and building long-term relationships with reliable professionals to protect both your investment and your peace of mind.

We discuss... 

• Jon explains how ADUs provide flexible living spaces that can be used for family, rental income, home offices, gyms, or studios.
• Jon outlined the key differences between detached, attached, and garage conversion ADUs.
• The conversation covered how homeowners should carefully define the scope of a renovation project before contacting contractors.
• Homeowners should compare contractor bids and ensure each estimate reflects the same project scope.
• Jon explained why contractor estimates can vary dramatically depending on materials, labor, experience, and profit margins.
• The discussion highlighted the importance of verifying contractor licenses, insurance, bonds, and references before hiring.
• We talked about common renovation surprises such as mold, dry rot, and structural issues hidden behind walls.
• There are strategies for preventing contractors from disappearing mid-project through milestone-based payment schedules.
• Jon explained how poor communication early in the bidding process can signal problems during construction.
• We discussed the pros and cons of homeowners sourcing their own construction materials versus letting contractors manage procurement.
• We explored how contractors and homeowners can negotiate fairly when mistakes or unexpected issues arise during construction.
• We discussed how inspections, third-party evaluations, and punch lists help ensure quality control on renovation projects.
• Jon encouraged homeowners to take their time vetting contractors and focus on building long-term relationships with reliable professionals.

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter/X: https://x.com/MTIPodcast

For more information, visit the full show notes at https://moneytreepodcast.com/rentals-vs-adus-jon-grishpul-816 

Ryan Chaw shares his bedroom real estate rental property strategy. As a pharmacist-turned-real estate investor Ryan shares how he built a successful portfolio of 14 rental properties generating $50,000/month in income by renting out homes by the bedroom to students and professionals near college campuses. Now financially free, he spends his time coaching others and maintaining a disciplined approach to growth while avoiding low-quality competition and preserving strong tenant relationships. Today we discuss... 

• Ryan Chaw transitioned from a pharmacist to a real estate investor inspired by his grandfather's success in Bay Area real estate.
• He began investing in 2016 with a $262,000 property in Stockton, California, renting it by the bedroom to maximize cash flow.
• His strategy involves converting 3-bedroom homes into 5- or 6-bedroom rentals and leasing them to students and professionals.
• Ryan now owns 14 rental properties generating $50,000 per month in income and has fully replaced his pharmacist salary.
• Most of his tenants come from word-of-mouth referrals, especially from student communities at nearby colleges.
• Properties that would rent for $1,500–$2,200 annually generate $4,000+ per month when rented by the room.
• Competition in his niche is limited and often low quality, with few landlords offering the same level of service.
• Ryan sees consistent long-term demand with students signing multi-year leases and bringing in future tenants.
• Ryan targets neighborhoods favored by graduate students and healthcare professionals by researching Reddit forums for off-campus housing recommendations.
• He rents to both students and healthcare workers, often securing two-year leases from medical residents and fellows.
• He continues to acquire at least one new property per year and currently owns 14 rentals.
• He recommends keeping $7,000 to $10,000 per property in reserves to cover unexpected maintenance like HVAC or roof issues.
• He clusters tenants by category (e.g., pharmacy students, dental students, healthcare workers) to foster a sense of community.
• His four key success factors for student rentals are proximity to campus, neighborhood safety, affordability, and tenant community.
• Ryan uses VAs to triage maintenance requests and relies on a vetted contractor network to address issues within 24 to 48 hours.

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Douglas Heagren | Pro College Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter/X: https://x.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/bedroom-real-estate-ryan-chaw-726 

Today we talk the end of quarter performance for quarter two of 2025. How did you do? We also cover a wide range of economic and market topics, beginning with the complexities of investing in artificial intelligence, lessons on succession planning, leadership transitions, and the importance of understanding demographic and power dynamics in both politics and investing. We note that large-cap growth, tech, and industrials led Q2 performance, while energy and real estate lagged. Mounting debt, rising delinquencies, and wage garnishment were cited as signs of economic stress, especially among younger and lower-income Americans, but the U.S. is still regarded as one of the best places to live. Today we discuss... 

• AI emerges as a hot investing theme, but it's difficult to get meaningful public equity exposure to the trend.
• We talks lessons for business owners on succession planning and the difference between operators and visionaries.
• You should invest in yourselves, learn how to work with AI, and become irreplaceable in the workforce.
• They conclude that unlike past tech revolutions, understanding AI is more about mindset, prompting skills, and creative application than simply buying stock exposure.
• Warren Buffett can be both the greatest investor of all time and underperform over the last 25 years.
• Buffett's investment challenges are partly due to managing massive capital, but he also strayed from his original strategy.
• Buffett should have retired decades ago and left day-to-day decisions to others.
• This is a parallel between aging leaders in investing and aging politicians who refuse to step down.
• The Baby Boomer generation is described as unintentionally draining economic resources through demographic trends.
• Understanding leadership transitions and generational shifts is crucial for evaluating companies and markets.
• Q2 market performance shows large-cap growth outperforming small-cap and value stocks.
• Sectors like industrials, communications, and tech led, while energy, real estate, and healthcare lagged.
• High beta, momentum, and pure growth factors outperformed, while high dividend and low volatility underperformed.
• Treasury bonds, especially international, were among the best-performing fixed income assets.
• Precious metals like gold, silver, and uranium led commodities; agricultural products like corn and wheat lagged.
• Many top-performing countries are printing money, boosting markets, despite geopolitical or structural issues.
• Biotech investing is highly complex due to multiple layers of science, regulation, and operational risk.
• Investors don't need to invest in every trendy sector—understanding is more important than participation.
• Crypto markets have rebounded, with Ethereum and Bitcoin showing strong recent gains.
• The "Magnificent Seven" tech stocks have mixed performance, with Apple and Tesla notably underperforming.
• The market is entering a historically strong July–August window, buoyed by trade optimism.
• U.S.–China relations show signs of improvement, including mutual resource access.
• Buy Now, Pay Later services are beginning to impact credit scores and consumer financial stability.
• Over 2.3 million households are delinquent on mortgage payments, with foreclosures up 34%.
• Renters face growing pressure, with 21% behind on payments and eviction filings surging.
• Mounting debt burdens are fueling disillusionment among younger Americans, increasing support for socialism.
• Inflation has cooled from 9% in 2022 to 2.4% in April 2025.
• Despite challenges, the U.S. is still viewed as one of the best places to live.

For more information, visit the show notes at https://moneytreepodcast.com/end-of-quarter-performance-725 

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter/X: https://x.com/MTIPodcast

Eric Malka shares his journey from arriving in the U.S. as a 17-year-old immigrant with $100 to co-founding The Art of Shaving, a brand that redefined men's grooming by turning shaving into a premium ritual experience. He explains how a chance job in men's grooming and exposure to traditional shaving culture in London inspired him to bring the concept to the U.S., where he and his wife opened their first store using natural ingredients and a four-step shaving system. Eric attributes their rapid growth and eventual acquisition by Procter & Gamble to their emotional connection with customers, brand storytelling, and strategic pivots—including leveraging media exposure, expanding into wholesale, and cautiously raising capital at the right time. 

We discuss...

• Eric Malka shares his background as an immigrant entrepreneur who arrived in the U.S. at 17 and eventually sold his company to Procter & Gamble.
• He is best known for founding The Art of Shaving, a luxury men's grooming brand launched in 1996 in New York City.
• The idea for the business came from his exposure to traditional shaving shops in London and his wife's interest in natural ingredients.
• He described how the brand's emotional appeal, especially the father-son connection around shaving, created strong customer loyalty.
• Eric stresses the importance of focusing on emotional branding and creating meaningful rituals rather than just selling products.
• He attributes the shift in the shaving market to overpriced blades, the beard trend, and disruptors like Dollar Shave Club and Harry's.
• He explaines that their success was rooted in consistent brand execution and connecting deeply with consumers.
• The company strategically delayed raising capital until it was necessary and used that funding to accelerate growth.
• Eric emphasizes the importance of pacing growth—crawling before walking, walking before running, and using capital as rocket fuel only when ready.
• Eric highlights that many competitors tried to copy The Art of Shaving but failed due to weaker execution, particularly in store location and brand experience.
• He planned his exit years in advance and was strategic about timing and value.
• Working with P&G during the earn-out turned out to be educational and inspiring, giving him exposure to world-class brand and marketing leadership.
• Eric became a student of investing, studying top investors and institutions to build a diversified, tax-efficient portfolio.
• Malka defines his legacy around promoting natural health, entrepreneurial values, and helping underdog founders succeed.

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Phil Weiss | Apprise Wealth Management

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter/X: https://x.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/the-art-of-shaving-eric-malka-724 

AI just taught me this cool thing... keep on listening to find out what it is! Today we talk about the massive and fast-moving implications of AI. We share the personal experiences with how AI challenges traditional business structures and workflows, requiring users to reimagine how work is done. We also explores how AI may replace many functions within organizations, from marketing to operations, while still lacking in areas like math accuracy and sales conversations. We also talk about Mary Meeker's AI report, noting unprecedented user adoption, the rapid rise of global competitors like China's DeepSeek, and the prediction that LLMs will become personal, customizable, and nearly costless. We need to rethink AI's role in business, its deflationary impact on cost, and how fast-changing technology may render old tools and concepts obsolete. 

We discuss... 

• How humor and sarcasm could be the final frontier in distinguishing AI from humans.
• The greatest investment in AI is learning how to use it personally and professionally.
• How limited human imagination, not technology, is the biggest barrier to innovation with AI.
• AI's limitations in math were noted, with a warning not to fully trust it as a CFO despite its operational usefulness.
• AI isn't quite ready for high-touch sales calls but is rapidly closing the gap in other business areas.
• Global AI adoption is surging, with China's DeepSeek gaining ground quickly through much lower-cost models.
• Token costs have dropped nearly 100% in two years, and energy efficiency in GPUs has improved drastically.
• With the penny going out of circulation, it might be time to start saving them as collectibles.
• AI development curves are moving much faster than traditional SaaS models, making this a truly disruptive moment in tech.
• Meta's LLaMA has been downloaded 1.2 billion times in 10 weeks, with over 100,000 derivative models created.
• The performance gap between open-source and closed AI models is shrinking rapidly, with DeepSeek nearly matching OpenAI on benchmarks.
• The AI ecosystem is becoming decentralized, much like the shift from centralized platforms to blockchain-based alternatives.
• Decentralization is praised for enabling free speech, innovation, and diversity of thought, unlike centralized control.
• Most employees are already using AI tools like ChatGPT personally, even if companies haven't officially adopted them.
• AI is increasing personal productivity, but there's concern it may ultimately compress work rather than improve quality of life.
• Over 60,000 new AI-related job titles have emerged in just two years, indicating a massive career reshuffle.
• Without earned knowledge, people can misuse powerful tools like AI, just as they did with nuclear weapons.
• The future with AI could resemble either Skynet or Star Trek, and no one truly knows which way it will go.
• There is risk of psychological strain and social dysfunction if people are displaced without purpose.
• AI tools can now bypass paywalls and summarize articles, challenging traditional media revenue models.
• The current wealth gap and collapse of the middle class is unprecedented, even before full-scale AI disruption.
• Decentralized AI (e.g., having your own local models) is seen as essential to maintain independence and avoid manipulation.
• A growing imbalance of more sellers than buyers suggests further downward pressure on real estate prices.
• Political pressure is influencing Fed policy, with previous rate cuts seen as potentially timed to impact elections.
• Global conflict, such as recent Middle East tensions, is having surprisingly little impact on the stock market.
• Investors should focus on risk management given the unpredictability and detachment from fundamentals.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter/X: https://x.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/ai-just-taught-me-this-cool-thing-723 

Mukarram Mawjood is here to share on commodity cycles and investor sentiment secrets. He discusses his focus on alternative assets including precious metals, crypto, and real estate, highlighting silver as his top current pick due to its price lag behind gold and significant upside potential. He explains how gold's recent surge has largely priced in geopolitical risk, while silver remains undervalued despite industrial demand. He also touches on market psychology, gold-to-silver ratios, and how cryptocurrencies are increasingly competing with gold as alternative stores of value.

We discuss...

• Mukarram's firm invests heavily in physical metals, crypto, and real estate—assets with inverse correlation to the U.S. dollar.
• Silver is seen as significantly undervalued relative to gold, presenting a price arbitrage opportunity.
• He sees silver's price lag as typical behavior in precious metal bull cycles, with major catch-up potential.
• Central banks buying gold has driven recent price action, while silver remains overlooked by both institutions and retail investors.
• Geopolitical tensions have driven gold's rise as a safe haven, but easing global instability could rotate capital into silver.
• Mukarram emphasizes timing and patience—investors should scale into undervalued assets before the move happens.
• Crypto has diverted some capital from gold but believes both assets serve different investor needs.
• During COVID, gold quietly doubled from 1,200 to over 2,000, which many missed due to lack of long-term positioning.
• Bitcoin and crypto sometimes move like metals, but when metals act as a safe haven, crypto typically does not.
• Crypto currently offers opportunity not because it's strong, but because it's been beaten down while gold rallied.
• Bitcoin may still hit 100K–200K, but other assets may outperform it percentage-wise during its rise.
• Ethereum has mixed sentiment in the crypto community, but Solana is gaining more institutional adoption.
• Major crypto news events often coincide with local tops, especially in bull markets.
• Crypto cycles are faster (typically 18 months), while metals like gold and silver move in 3–5 year timelines.
• Crude oil's recent stagnation shows how macro factors like tariffs and recession fears can override seasonal patterns.
• Commodities should be chosen based on correlation to the U.S. dollar and liquidity conditions.
• Successful trading is 75% mindset and only 25% technical skill, especially in volatile markets like crypto.

For more information, visit the show notes at https://moneytreepodcast.com/commodity-cycles-mukarram-mawjood-722

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Phil Weiss | Apprise Wealth Management

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter/X: https://x.com/MTIPodcast

There is war in the middle east again! Today we talk about the recent escalation of conflict between Israel and Iran, with speculation that the U.S. may be involved indirectly. Media narratives are particularly frustrating, with uncertainty and conflicting reports make it difficult to know what's truly happening. This definitely parallels the financial markets, particularly with how differing narratives shape reactions during times of volatility with many often making moves on perception rather than confirmed facts. The war could potentially impact on oil prices and inflation among other global economic repercussions despite the U.S. being more energy independent.

We discuss...

• War has reignited in the Middle East, with Israel attacking Iran and missiles flying in both directions.
• There's confusion about U.S. involvement, with implications that support for Israel exists behind the scenes.
• The biggest economic concern is the potential for rising oil prices and inflation due to conflict.
• Oil futures spiked shortly after the attack, raising suspicions of insider trading among politicians.
• The discussion draws parallels between the chaos of war and financial markets—both are driven by incomplete, misleading, or rapidly evolving information.
• The role of algorithms and the lack of liquidity are blamed for severe price swings during market disruptions.
• Humans feel compelled to understand market movements even when there may be no clear explanation.
• Market price is the most honest signal, but its drivers are often unknowable or misleading.
• The U.S. is stepping back from global policing, reinforcing an "America First" geopolitical posture.
• China is rapidly overtaking Western industries like autos, robotics, and nuclear energy.
• Global money printing continues to fuel equity markets despite mixed economic signals.
• Investment strategy should focus on capital flows, not moral preferences or outdated macro narratives.
• ESG investing appeals to emotions, but maximizing returns and funding good later may be more effective.
• Google quietly changed its algorithm to penalize independent contractors on major media platforms.
• Search is undergoing a dramatic transformation due to AI, fundamentally changing how users and companies interact with information.
• Google's ad business is threatened as users shift from browsing search results to receiving direct AI-generated answers.
• New technologies upend existing industries, especially if introduced abruptly without time to adapt.
• The global AI race—especially against China—is accelerating progress beyond what's safe or manageable.
• AI will likely displace workers not all at once, but gradually as its capabilities expand and efficiencies are realized.
• AI thinks differently than humans—it doesn't require order or structure to understand inputs.
• Learning how to think and work with AI is becoming a crucial new skill set.

For more information, visit the show notes at https://moneytreepodcast.com/war-in-the-middle-east-721 

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Phil Weiss | Apprise Wealth Management

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter/X: https://x.com/MTIPodcast

Matthew Le Merle joined the podcast to discuss his journey from a consulting background to breaking finance with blockchain. He explains how he and his wife Alison pivoted to blockchain after recognizing it as the next major wave of digital value creation following the internet era. He breaks down the differences between blockchain, crypto, and DeFi, and shares how the financial industry is slow to adapt due to outdated systems and vested interests. While adoption may seem slow, it's actually progressing rapidly by historical standards, and transformation remains inevitable no matter what. 

We discuss...

• Matthew Le Merle transitioned from a career in consulting and digital innovation to blockchain venture investing after identifying it as the next major wave of value creation.
• He and his wife began investing in blockchain over a decade ago, seeing it as the foundation for digitalizing commerce and finance.
• Blockchain, or distributed ledger technology (DLT), complements the internet by enabling secure, trust-based value transfers.
• Crypto is a subset of digital assets—usually natively digital—enabled by tokenization on blockchain infrastructure.
• Tokenization allows any asset to be digitally represented and transacted without paper or manual processes.
• DeFi (Decentralized Finance) enables financial transactions through code rather than intermediaries, potentially removing banks and middlemen from the equation.
• The current financial system is deeply entrenched with inefficiencies and intermediaries that profit from friction and delay.
• Incumbent institutions like banks face both technological and incentive-based challenges in adopting blockchain solutions.
• Just as digital communication disrupted legacy industries, blockchain is likely to disrupt banking and finance despite institutional resistance.
• While adoption of smart contracts and blockchain applications has been slower than expected, it's following a similar long development arc as the early internet.
• Digital assets are designed to function natively on digital infrastructure, enabling real-time, frictionless movement.
• Discounted cash flow models can now be used to estimate intrinsic value for platforms like Ethereum and Solana.
• Bitcoin's value is more abstract, deriving from its role as a hedge against government control, inflation, and confiscation.
• Blockchain investing spans six asset classes: early, mid/late, and public stages for both equity and token-based investments.
• Entry-level exposure to crypto can be done via small Bitcoin allocations, as recommended by BlackRock and others.
• The biggest blockchain fortunes have come from early-stage investments, not public market trading.

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter/X: https://x.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/breaking-finance-with-blockchain-matthew-le-merle-720