Explore every episode of the podcast The Street Smart Millionaire

This week on The Street Smart Millionaire, Rick Ruby

A business coach and founder of The CORE Training, Rick Ruby is a prominent figure in the real estate and mortgage industries. He founded The CORE Training in 2001, which offers coaching programs for loan officers and real estate agents, focusing on business planning, goal setting, tracking metrics, and sales techniques. He is known for mentoring professionals and hosts live coaching sessions.

👉 Watch The Episode Now: Street Smart Millionaire

The Street Smart Millionaire Podcast

Hosted by Rick Ruby | The CORE Training

This week on The Street Smart Millionaire, Rick Ruby with Jackson Thomas

A business coach and founder of The CORE Training, Rick Ruby is a prominent figure in the real estate and mortgage industries. He founded The CORE Training in 2001, which offers coaching programs for loan officers and real estate agents, focusing on business planning, goal setting, tracking metrics, and sales techniques. He is known for mentoring professionals and hosts live coaching sessions.

👉 Watch The Episode Now: Street Smart Millionaire Podcast with Jackson Thomas

The Street Smart Millionaire Podcast

Hosted by Rick Ruby | The CORE Training

This week on The Street Smart Millionaire, Rick Ruby

A business coach and founder of The CORE Training, Rick Ruby is a prominent figure in the real estate and mortgage industries. He founded The CORE Training in 2001, which offers coaching programs for loan officers and real estate agents, focusing on business planning, goal setting, tracking metrics, and sales techniques. He is known for mentoring professionals and hosts live coaching sessions.

👉 Watch The Episode Now: Street Smart Millionaire

The Street Smart Millionaire Podcast

Hosted by Rick Ruby | The CORE Training

This week on The Street Smart Millionaire, Rick Ruby with Ryan McKee

A business coach and founder of The CORE Training, Rick Ruby is a prominent figure in the real estate and mortgage industries. He founded The CORE Training in 2001, which offers coaching programs for loan officers and real estate agents, focusing on business planning, goal setting, tracking metrics, and sales techniques. He is known for mentoring professionals and hosts live coaching sessions.

👉 Watch The Episode Now: Street Smart Millionaire Podcast with Ryan Mckee

The Street Smart Millionaire Podcast

Hosted by Rick Ruby | The CORE Training

This week on The Street Smart Millionaire, Rick Ruby

A business coach and founder of The CORE Training, Rick Ruby is a prominent figure in the real estate and mortgage industries. He founded The CORE Training in 2001, which offers coaching programs for loan officers and real estate agents, focusing on business planning, goal setting, tracking metrics, and sales techniques. He is known for mentoring professionals and hosts live coaching sessions.

👉 Watch The Episode Now: Street Smart Millionaire

The Street Smart Millionaire Podcast

Hosted by Rick Ruby | The CORE Training

This week on The Street Smart Millionaire, Rick Ruby with Adam Cobb

A business coach and founder of The CORE Training, Rick Ruby is a prominent figure in the real estate and mortgage industries. He founded The CORE Training in 2001, which offers coaching programs for loan officers and real estate agents, focusing on business planning, goal setting, tracking metrics, and sales techniques. He is known for mentoring professionals and hosts live coaching sessions.

👉 Watch The Episode Now: Street Smart Millionaire Podcast with CORE Agent - Adam Cobb

The Street Smart Millionaire Podcast

Hosted by Rick Ruby | The CORE Training

This week on The Street Smart Millionaire, Rick Ruby with Wealth Manager, Jeff Fratarcangeli

A business coach and founder of The CORE Training, Rick Ruby is a prominent figure in the real estate and mortgage industries. He founded The CORE Training in 2001, which offers coaching programs for loan officers and real estate agents, focusing on business planning, goal setting, tracking metrics, and sales techniques. He is known for mentoring professionals and hosts live coaching sessions.

👉 Watch The Episode Now: Street Smart Millionaire Podcast with Jeff Fratarcangeli

The Street Smart Millionaire Podcast

Hosted by Rick Ruby | The CORE Training

This week on The Street Smart Millionaire, Rick Ruby

A business coach and founder of The CORE Training, Rick Ruby is a prominent figure in the real estate and mortgage industries. He founded The CORE Training in 2001, which offers coaching programs for loan officers and real estate agents, focusing on business planning, goal setting, tracking metrics, and sales techniques. He is known for mentoring professionals and hosts live coaching sessions.

👉 Watch The Episode Now: Street Smart Millionaire

The Street Smart Millionaire Podcast

Hosted by Rick Ruby | The CORE Training

This week on The Street Smart Millionaire, Rick Ruby with Holden Thomas

A business coach and founder of The CORE Training, Rick Ruby is a prominent figure in the real estate and mortgage industries. He founded The CORE Training in 2001, which offers coaching programs for loan officers and real estate agents, focusing on business planning, goal setting, tracking metrics, and sales techniques. He is known for mentoring professionals and hosts live coaching sessions.

👉 Watch The Episode Now: Street Smart Millionaire Podcast with Holden Thomas

The Street Smart Millionaire Podcast

Hosted by Rick Ruby | The CORE Training

This week on The Street Smart Millionaire, Rick Ruby with Lizy Hoeffer

A business coach and founder of The CORE Training: Rick Ruby is a prominent figure in the real estate and mortgage industries. He founded The CORE Training in 2001, which offers coaching programs for loan officers and real estate agents, focusing on business planning, goal setting, tracking metrics, and sales techniques. He is known for mentoring professionals and hosts live coaching sessions.

👉 Watch The Episode Now: Street Smart Millionaire Podcast with LIzy Hoeffer

The Street Smart Millionaire Podcast

Hosted by Rick Ruby | The CORE Training

This week on The Street Smart Millionaire, Rick Ruby

A business coach and founder of The CORE Training, Rick Ruby is a prominent figure in the real estate and mortgage industries. He founded The CORE Training in 2001, which offers coaching programs for loan officers and real estate agents, focusing on business planning, goal setting, tracking metrics, and sales techniques. He is known for mentoring professionals and hosts live coaching sessions.

👉 Watch The Episode Now: Street Smart Millionaire

The Street Smart Millionaire Podcast

Hosted by Rick Ruby | The CORE Training

This week on The Street Smart Millionaire, Rick Ruby with Derrick Polder

A business coach and founder of The CORE Training, Rick Ruby is a prominent figure in the real estate and mortgage industries. He founded The CORE Training in 2001, which offers coaching programs for loan officers and real estate agents, focusing on business planning, goal setting, tracking metrics, and sales techniques. He is known for mentoring professionals and hosts live coaching sessions.

👉 Watch The Episode Now: Street Smart Millionaire Podcast with Derrick Polder

The Street Smart Millionaire Podcast

Hosted by Rick Ruby | The CORE Training

This week on The Street Smart Millionaire, Rick Ruby with Julie Johnson

A business coach and founder of The CORE Training, Rick Ruby is a prominent figure in the real estate and mortgage industries. He founded The CORE Training in 2001, which offers coaching programs for loan officers and real estate agents, focusing on business planning, goal setting, tracking metrics, and sales techniques. He is known for mentoring professionals and hosts live coaching sessions.

👉 Watch The Episode Now: Street Smart Millionaire Podcast with Julie Johnson

The Street Smart Millionaire Podcast

Hosted by Rick Ruby | The CORE Training

This week on The Street Smart Millionaire, Rick Ruby

A business coach and founder of The CORE Training, Rick Ruby is a prominent figure in the real estate and mortgage industries. He founded The CORE Training in 2001, which offers coaching programs for loan officers and real estate agents, focusing on business planning, goal setting, tracking metrics, and sales techniques. He is known for mentoring professionals and hosts live coaching sessions.

👉 Watch The Episode Now: Street Smart Millionaire

The Street Smart Millionaire Podcast

Hosted by Rick Ruby | The CORE Training

This week on The Street Smart Millionaire, Rick Ruby with Patrick Conway

A business coach and founder of The CORE Training, Rick Ruby is a prominent figure in the real estate and mortgage industries. He founded The CORE Training in 2001, which offers coaching programs for loan officers and real estate agents, focusing on business planning, goal setting, tracking metrics, and sales techniques. He is known for mentoring professionals and hosts live coaching sessions.

👉 Watch The Episode Now: Street Smart Millionaire Podcast with Patrick Conway

The Street Smart Millionaire Podcast

Hosted by Rick Ruby | The CORE Training

This week on The Street Smart Millionaire, Rick Ruby

A business coach and founder of The CORE Training, Rick Ruby is a prominent figure in the real estate and mortgage industries. He founded The CORE Training in 2001, which offers coaching programs for loan officers and real estate agents, focusing on business planning, goal setting, tracking metrics, and sales techniques. He is known for mentoring professionals and hosts live coaching sessions.

👉 Watch The Episode Now: Street Smart Millionaire

The Street Smart Millionaire Podcast

Hosted by Rick Ruby | The CORE Training

This week on The Street Smart Millionaire, Rick Ruby with Greg Gale

A business coach and founder of The CORE Training, Rick Ruby is a prominent figure in the real estate and mortgage industries. He founded The CORE Training in 2001, which offers coaching programs for loan officers and real estate agents, focusing on business planning, goal setting, tracking metrics, and sales techniques. He is known for mentoring professionals and hosts live coaching sessions.

👉 Watch The Episode Now: Street Smart Millionaire Podcast with Greg Gale

The Street Smart Millionaire Podcast

Hosted by Rick Ruby | The CORE Training

This week on The Street Smart Millionaire, Rick Ruby

A business coach and founder of The CORE Training, Rick Ruby is a prominent figure in the real estate and mortgage industries. He founded The CORE Training in 2001, which offers coaching programs for loan officers and real estate agents, focusing on business planning, goal setting, tracking metrics, and sales techniques. He is known for mentoring professionals and hosts live coaching sessions.

👉 Watch The Episode Now: Street Smart Millionaire

The Street Smart Millionaire Podcast

Hosted by Rick Ruby | The CORE Training

This week on The Street Smart Millionaire, Rick Ruby talking with Kathy Barbata

A business coach and founder of The CORE Training, Rick Ruby, is a prominent figure in the real estate and mortgage industries. He founded The CORE Training in 2001, which offers coaching programs for loan officers and real estate agents, focusing on business planning, goal setting, tracking metrics, and sales techniques. He is known for mentoring professionals and hosts live coaching sessions.

👉 Watch The Episode Now: Street Smart Millionaires Podcast w/KathyBarbata

The Street Smart Millionaire Podcast

Hosted by Rick Ruby | The CORE Training

This week on The Street Smart Millionaire, Rick Ruby having a talk with Casey Oiness

A business coach and founder of The CORE Training: Rick Ruby is a prominent figure in the real estate and mortgage industries. He founded The CORE Training in 2001, which offers coaching programs for loan officers and real estate agents, focusing on business planning, goal setting, tracking metrics, and sales techniques. He is known for mentoring professionals and hosts live coaching sessions.

👉 Watch The Episode Now: Street Smart Millionaires Podcast w/Casey Oiness

The Street Smart Millionaire Podcast

Hosted by Rick Ruby | The CORE Training

This week on The Street Smart Millionaire, Rick Ruby discusses 4 things that helped shape him.

A business coach and founder of The CORE Training: Rick Ruby is a prominent figure in the real estate and mortgage industries. He founded The CORE Training in 2001, which offers coaching programs for loan officers and real estate agents, focusing on business planning, goal setting, tracking metrics, and sales techniques. He is known for mentoring professionals and hosts live coaching sessions.

👉 Watch The Episode Now: https://youtu.be/P5G-R_71p34

The Street Smart Millionaire Podcast

Hosted by Rick Ruby | The CORE Training

This week on The Street Smart Millionaire, Rick Ruby with Dan Keller

A business coach and founder of The CORE Training, Rick Ruby is a prominent figure in the real estate and mortgage industries. He founded The CORE Training in 2001, which offers coaching programs for loan officers and real estate agents, focusing on business planning, goal setting, tracking metrics, and sales techniques. He is known for mentoring professionals and hosts live coaching sessions.

👉 Watch The Episode Now: Street Smart Millionaire Podcast with Dan Keller

The Street Smart Millionaire Podcast

Hosted by Rick Ruby | The CORE Training

This week on The Street Smart Millionaire, Rick Ruby sits down with one of the top coaches at The CORE Training — Julie Johnson.

With nearly three decades of experience, Julie has built one of the most trusted and consistent businesses in the mortgage industry. She leads a high-performing branch, manages top-producing realtors, and coaches others to do the same.

In this powerful episode, Julie shares:

• How she built trusted partnerships with realtor®
• Why speed is the secret to winning clients fast
• How she balances family, fitness, and business at the highest level
• Why serving clients with joy goes deeper than just providing “service”

Julie’s story is proof that long-term success comes from discipline, process, and building relationships that last.

👉 Watch Julie’s Episode Now: https://youtu.be/mBd0Teci_A0

The Street Smart Millionaire Podcast

Hosted by Rick Ruby | The CORE Training

🎙️ Street Smart Millionaire with Jackson Thomas

In this week’s episode, Rick Ruby interviews Jackson Thomas, a longtime client turned top producer, who went from struggling in 2016 to closing $110M in loans a year and earning $1.7–$2M annually.

Inside the conversation:

• How Jackson scaled from entry-level coaching to Level 3 success
• Why discipline is the best addiction and the secret to consistency
• The reality of being a “grinder” — and why that beats talent or charm
• How he saves 20% every month and gives away 10% of gross income
• The balance of wealth, faith, family, and fitness (and why it all matters)
• Why being coachable comes down to hunger and ego
• Rick & Jackson’s take on investing: S&P, Magnificent 7, and beyond

This is a story of hard work, faith, and relentless drive — and the blueprint for anyone chasing the millionaire path.

🎧 Watch the Full Episode on YouTube →

P.S. Rick & Jackson will both be at The Summit, November 5–7. If you’re a lender or Realtor® doing $25M+ a year, don’t miss your chance to be in the room.

👉 Learn More About The Summit Here →

🎙️ Street Smart Millionaire with Rick Ruby & Greg Gale

This week, Rick Ruby sits down with longtime student and CORE Coach Greg Gale from Scottsdale, AZ to break down the difference between chasing “bigger” vs. getting better.

Inside this episode:

• Why focusing on better relationships always beats just getting bigger
• The #1 mistake that costs you past clients — and how to fix it
• How Greg built a 20-year mortgage career and 17 years with Rick’s coaching
• Why discipline is the ultimate form of love — in business, family, and faith
• The 5 words that drive clarity: Value Proposition, Mission, Vision, Motivation, Purpose

🎧 Listen to the Full Episode Here → https://youtu.be/twQceHx3MY0

🚨 Don’t Miss This — September 2nd Webinar

Join CORE Coach & Top-Producing Realtor Ragan McKinney for a FREE live webinar:

“Master Social Media for Real Estate Success”

✅ Learn the exact strategies Ragan uses to attract qualified buyers & sellers

✅ How to position yourself as the go-to expert in your market

✅ Simple content ideas that drive real engagement

📅 Tuesday, September 2nd

🕒 12:30 PM EST | 9:30 AM PST

Already 314+ registered in 1 week — save your seat now:

👉 Register Here →

In this episode, Rick Ruby sits down with client and CORE Coach Patrick Langhans to break down how he:

👉 Watch Here

✅ Went from $170K to $1M+ in income — six years running

✅ Runs a tight, process-driven business that closes 20+ deals a month

✅ Built wealth through consistency, discipline, and structure

✅ Cultivates deep relationships with high-level Realtor partners

✅ Uses coaching to stay accountable and keep growing

👉 Watch Here

Plus:

The real ROI of being coached hard

Why fewer referral partners = more money

How saving 20% of your income for 30 years will make you rich

And what it means to do life with your business partners

If you're a Realtor, lender, or entrepreneur chasing elite-level results — this is one you can't afford to miss.

🎧 Watch or Listen Now

👉 Watch Here

📢 NEW EPISODE — #25

🔗 Watch the full episode now. https://www.youtube.com/watch?v=oItQEV9eC_I

🎙️ THE STREET SMART MILLIONAIRE

Guest: Eric Kulbe

🔥 From pro baseball to mortgage powerhouse.

💼 From call center grind to company ownership.

📈 From 4 closings to 255 per month.

In this episode, Rick Ruby sits down with his top-performing “Gladiator” — a man who's closed over 15+ years at $1M+ income, built a 300-LO empire, and still finds time to coach his daughter’s team.

Topics Covered:

✅ Call center roots and the discipline of repetition

✅ Why great businesses require structure and accountability

✅ Building a winning culture and a scalable mortgage company

✅ Fitness, faith, family — how to balance it all

✅ The "bigger pile theory” and only learning from results

💡 “Leadership isn’t about being good enough. It’s about doing good enough.” — Rick Ruby

#MortgageCoaching #TheStreetSmartMillionaire #EricKulbe #RickRuby #SynergyOneLending #RealEstateCoach #LoanOfficerLife #PodcastClip #SalesDiscipline #HighPerformanceCulture #EliteCoaching

Visit us online today at https://www.thecoretraining.com to learn more about how The CORE Training Inc can transform your mortgage or real estate business.

Don’t forget to follow us on social media!

LIKE us on Facebook ---- https://www.facebook.com/TheCORETraining & https://www.facebook.com/TheCoreRE

Follow us on Twitter ---- https://twitter.com/thecoretraining & https://twitter.com/TheCoreRE

Follow us on Instagram ---- https://www.instagram.com/thecoretraining

Follow us on LinkedIn ---- https://www.linkedin.com/company/the-core-training-inc

Sign Up for our Sales Mega Marathon ---- https://www.coremegamarathon.com

Check out our SUMMIT Events! ---- https://www.thecoretraining.com/thesummit/

Shop our store! --- https://shop.thecoretraining.com/

What’s the REAL game plan for wealth, balance, and legacy?

This week on The Street Smart Millionaire, Rick Ruby opens up about:

• Dynasty trusts, charitable giving & estate planning
• Why he’s doubling down on health, fitness & family
• Building a legacy through generosity and leadership
• The top stocks he’s personally investing in right now
• What separates high-income earners from the rest

If you’re not building your financial future with intention… you’re falling behind.

Watch the full episode now and take control of the second half of your year.

#Wealth #Legacy #LifeBalance #FinancialFreedom #StreetSmartMillionaire #RickRuby #TrustPlanning #MillionaireMindset #PodcastClip #FinanceTips #Leadership

Millionaire Moves in Mortgage

This week on The Street Smart Millionaire, we’re sitting down with Ryan Buckholdt of CrossCountry Mortgage — one of the sharpest minds in the game.

💬 From scaling a high-performance team to dominating in competitive markets, Ryan shares the exact mindset and moves that separate top producers from the rest.

What you’ll hear:

✅ Real talk about leadership

✅ Tactical strategies for deal flow

✅ How to thrive when others stall

📈 If you’re in real estate or lending, this is the episode you don’t skip.

🎧 Now streaming everywhere — Apple, Spotify, YouTube

#StreetSmartMillionaire #MortgageSuccess #RealEstatePodcast #CoreTraining #RyanBuckholdt #CrossCountryMortgage #TopProducerTips

What does it really take to build lasting wealth and live a balanced life?

In this episode of The Street Smart Millionaire, Rick Ruby breaks it all down—from life on the farm with his grandkids to managing $81 million in closings and leading over 2,000 coaching clients.

Here’s what he covers:

• The exact mindset that’s fueled 40+ years of success
• How to grow your income 10% year after year
• Why most people fail—and how to course correct
• A simple investment plan anyone can follow
• The real purpose of work: build legacy, not just income

Whether you’re a business owner, salesperson, or someone just trying to figure out the next move—this episode will help you get focused, build a plan, and take control.

🎯 Vision.

📊 Strategy.

🧠 Mindset.

💼 Execution.

#StreetSmartMillionaire #RickRuby #TheCORETraining #WealthAndBalance #MindsetMatters #BusinessGrowth #FinancialFreedom

💥 New Episode of Street Smart Millionaire 💥

🎥 Watch now: https://www.youtube.com/watch?v=wCEI5DXvGNE

📞 Book a Free Coaching Call: https://thecoretraining.lpages.co/mortgage-real-estate-coaching-free-consultation-2025/

Meet Damien — a third-generation plumber who's built a $2M net profit business while staying in shape, raising a family, and staying grounded in faith.

✅ Runs a team of 25+ plumbers

✅ Expanded into multiple cities

✅ Balances business, fitness, and family

✅ Shares real lessons on leadership and discipline

This episode is packed with practical takeaways. Watch now and get inspired.

#StreetSmartMillionaire #TheCORETraining #PlumbingBusiness #Entrepreneurship #BlueCollarSuccess #BusinessCoaching #WorkLifeBalance #LeadershipInTrades

💼 Ready to build real wealth and real character? Get a FREE consultation now: https://thecoretraining.lpages.co/mortgage-real-estate-coaching-free-consultation-2025/

How did I go from a broke, troubled dropout…

To a financially free, purpose-driven leader?

Simple: I chased the right mentors.

Men in great shape.

People with healthy marriages.

Leaders with real money, strong faith, and big vision.

Stop avoiding greatness—pursue it.

The right people will change your life if you let them.

#StreetSmartMillionaire #RickRuby #MentorshipMatters #SelfMade #BusinessGrowth #FaithAndFinance #MillionaireMindset #CoreTraining #WealthTips #FreeConsultation #PersonalDevelopment #SalesLeader #PodcastContent

The people who win in this business aren't the quiet ones—they're the ones who stay close to the money.

✅ They bug their coach.

✅ They push their regional.

✅ They call top producers daily.

You want more? Be a pest. Ask. Follow up. Show up.

This isn’t about charm—it’s about action.

Realtors doing $6M–$30M. Loan reps doing $10M+.

That's the target. Now go hunt.

#SalesStrategy #MortgageCoach #RealEstateTips #CORETraining #MillionaireMindset #TopProducer #CoachRickRuby #WealthBuilding #SalesTactics #HighPerformance #NoExcuses #BeRelentless

What’s the point of building wealth if you lose yourself doing it?

This isn’t just another hustle-hard speech. It’s about balance—the kind that actually keeps you sane while leading, scaling, and dominating your goals.

In this clip, we go deep on the real habits of high performers:

✔️ Starting the day with Bible study and John Maxwell

✔️ Prioritizing time with family while running multiple companies

✔️ Investing in the market and still keeping your mental health in check

✔️ Practicing equality and humility as a leader—regardless of income

✔️ Finding joy in the small things: fast cars, farm work, poker nights

Too many people chase capitalism with no brakes. That’s not leadership—that’s burnout. True power is building legacy and staying grounded.

If you're scaling a business, growing a team, or just trying to keep your head above water—watch this. Because balance isn't a luxury, it’s a requirement if you want to last.

🔥 Let me ask you: What keeps you balanced? Drop it in the comments.

👉 Subscribe for more content on mindset, leadership, business, and balance.

work life balance, leadership habits, daily routines of CEOs, bible study, John Maxwell, high performance lifestyle, CEO morning routine, entrepreneur mindset, business and faith, mental health for leaders, time management, success and family, building legacy, humble leadership, discipline equals freedom, healthy hustle culture

#WorkLifeBalance #MentalHealthMatters #CEOHabits #LeadershipMindset #DailyDiscipline #FaithAndBusiness #EntrepreneurLife #TimeFreedom #LegacyBuilder #PersonalGrowth #BalancedHustle #BibleStudyRoutine #JohnMaxwellWisdom #TheCORETraining #HighPerformer #SelfLeadership #MotivationDaily

What does it look like when one of the most disciplined, high-performing business coaches in the country sits down with the guy who manages his wealth?

You’re about to find out.

In this week's episode of The Street Smart Millionaire, Rick Ruby brings on his personal financial advisor, Jeffrey Fratancangeli—the man trusted with protecting and growing Rick’s fortune.

This isn’t theory. This is real strategy from inside the vault.

Jeffrey manages money for CEOs, athletes, and high-net-worth entrepreneurs—and in this episode, he shares exactly how the wealthy think, where they put their money, and what most people get dead wrong about investing.

Rick opens up about:

• Why 20% of your income must be saved and where it should go
• How he protects his wealth while still playing offense
• What Jeffrey taught him that completely shifted his financial game
• Why most people confuse income with wealth—and how to fix it

This is not a feel-good episode. It’s a wake-up call for producers who make great money but still feel broke.

If you make $100K+ and want to keep more of it—this is the episode that can change your life.

💼 Learn how the top 1% actually manage their money

💰 Discover Rick’s personal investment mindset

📊 Steal the frameworks that wealthy people use daily

Watch. Share. Save.

Because wealth isn’t about what you earn—it’s about what you keep.

👉 Available now wherever you get your podcasts.

Just got back from our semiannual CORE Training event in San Antonio.

340 of my clients pay me $40,000/year. 115 new guests paid $5,000 to sit in that room.

And 98 of them signed up to change their lives.

Here’s what we worked on:

• Building a steady flow of warm leads (most of you don’t have this)
• Fixing broken team structure and maximizing your ROI
• Dialing in P&Ls to create gaps between revenue and overhead
• Real-world investing strategies: Stocks vs Rentals

I’ve had great rental wins. But I’ve also lost $21K supporting a struggling tenant because my heart got involved. Stocks don’t cry when they fall behind.

I told every client this: If you can’t afford to cover every rental if they all went vacant—sell them.

At this event, we:

• Rebuilt budgets
• Strengthened lead gen systems
• Re-trained teams
• Interviewed 98 potential new members

And for the record: I’ve created 767 millionaires. This year, 141 of my clients will net $1 million.

The difference? They stopped hoping. And they started executing.

You can do nothing. You can hire a wannabe coach who’s never built wealth. Or you can hire me.

We’ll fix your leads. We’ll fix your team. We’ll fix your personal finances.

I have levels for everyone:

• $99/month for my CORE Club
• $750/month for < $10M producers
• $2K/month for $10M-$20M producers
• $3.5K/month for $20M+

Next event: Nov 4–7 in Tucson, AZ. $5,000. If you do $20M+ and you’re ready to dominate 2025, show up.

Follow me. Repost this. Like and comment if you’re done playing small.

🔥 STREET SMART MILLIONAIRE PODCAST — NEW EPISODE LIVE 🔥

🎯 "You don’t need more leads. You need the right ones. You don’t need more hustle. You need direction." — Rick Ruby

Next week, I’ll be in San Antonio hosting one of my biggest events of the year:

✅ 500 people in the room

✅ 120 paying $5,000 each to attend

✅ 340 of my private coaching clients

✅ 35 CORE coaches

✅ 140 of them will earn $1M+ this year

✅ 18 of them for the very first time

I’m bringing the heat, the strategy, the systems — and the accountability.

If you’re a lender or real estate agent, here’s what I teach:

1. How to create a consistent pipeline of warm leads — not cold garbage, but people who know, like, and trust you
2. How to build a team that delivers a white glove, world-class experience — the kind of service that creates raving fans and nonstop referrals
3. How to manage your money like a millionaire — tight P&Ls, strategic investments, and building generational wealth

Most of you think more leads solve all problems. They don’t. Too many leads with no systems? You’re drowning. I’ll show you how to turn fewer better leads into bigger profits.

We’re not in the business of surviving.

We’re in the business of dominating.

Let me ask you:

👉 Are your clients raving about the experience you provide?

👉 Are you generating enough warm leads to grow 20% per year?

👉 Are you building real wealth — not just income?

If not, that’s exactly what I help with.

I’ve coached 767 people to become millionaires.

And I’m on a mission to raise 400 more.

I don’t coach part-time.

I’m not a “life coach.”

I’m a high-level business coach who teaches:

✅ Lead generation

✅ Team building

✅ Money mastery

✅ Personal discipline

✅ Spiritual alignment

✅ Legacy planning

If you’re in the mortgage or real estate business and you’re finally ready to get serious — not just “busy” — then it’s time to talk.

🎧 This episode breaks it all down: the mindset, the systems, the coaching, and how I’ve built a life and business that creates millionaires, serves my family, and honors my purpose.

📲 DM me “COACH” for a free consultation

🔗 Episode link in bio

🙌 Pray for safe travels for our team headed to San Antonio — it’s going to be a game-changing week.

#StreetSmartMillionaire #RickRuby #CORETraining #MortgageCoach #RealEstateCoaching #MillionaireMentor #WealthBuilding #LeadershipDevelopment #BuildLegacy #BusinessGrowth #SalesCoaching #WhiteGloveService #LeadGeneration #FinancialFreedom #PurposeDriven

On this week’s episode of The Street Smart Millionaire, Rick Ruby sits down with one of The CORE Training's most inspiring success stories — Ragan McKinney.

Once a single mom working in a deli, she went from three months behind on her mortgage to closing 113 homes this year alone — without a huge team, no buyer agents, and zero excuses.

They talked:

💼 Scaling a business with structure, not chaos

🏠 Building a boutique real estate firm from scratch

👨‍👩‍👧‍👦 Balancing a blended family of 5 teenagers

📅 Time-blocking, working out, journaling, and being fully present

🙏 How joining The CORE Training turned burnout into a breakthrough

And the biggest lessons?

✅ Obsession.

✅ Service.

✅ Relentlessness.

Ragan’s story is raw, real, and relatable — and proves that when you eliminate your Plan B, you give your Plan A the power to change your life.

—

💬 Comment: What would your life look like if you got obsessed with your vision?

🔁 Repost to inspire someone who needs a comeback story

❤️ Like if this reminds you that anything is possible

#StreetSmartMillionaire #RickRuby #RaeganMcKinney #CORETraining #RealEstateSuccess #WomenInBusiness #Relentless #ServeFirst #WorkLifeBalance #MillionDollarMindset

This week on The Street Smart Millionaire, Rick Ruby pulls no punches. He shares what it really takes to become wealthy and why so many business owners stay broke chasing the wrong vision.

💥 Are you focused on building wealth, or just building a brand?

Rick breaks down the 3 essentials of business growth:

• A flood of warm, qualified leads
• A spectacular, dependable team
• And smart money management

He also drops the 4 pillars of a powerful business model:

1. Active, present ownership
2. Strong capital reserves
3. A consistent client experience
4. A unified, all-in team culture

And in classic Rick Ruby fashion — he holds nothing back.

🎯 “I am broken. I hate it. And I’m going to seek help.”

If you’re not growing, you’re dying. If you’re not improving, you’re slipping. And if you want to build wealth with purpose, it starts with accountability.

P.S. Are you a Realtor or Lender doing $20M+ in volume?

Want real coaching from real producers?

Join Rick in San Antonio for the Level 3 Summit, May 14–16.

👉 Book Your Spot Now

The CORE Training

Helping Lenders & Realtors Make More Money, Save More Money, & Get More Organized.

🎙 NEW EPISODE: The Street Smart Millionaire – Ep. 12

“Wealth, Balance, and the Lessons My Father Taught Me”

Rick Ruby is back in this week’s episode with one of his most personal and powerful reflections yet. From growing a $91M+ mortgage branch in March to the timeless habits of hard work, laser focus, and living below your means—this episode is a blueprint for building long-term wealth and a life you actually enjoy living.

💰 Save 20% for 20 Years

🔩 Compartmentalize Your Focus

📈 Why Most People Stay Rich—But Never Get Wealthy

🏡 Farm life, family, faith, and the joy of simple living

📉 Stock market mindset when things are volatile

If you’re chasing success, but also want balance, this episode will hit home.

👇 Watch now and subscribe for more weekly wisdom from Rick Ruby.

#StreetSmartMillionaire #RickRuby #WealthAndBalance #FinancialFreedom #CORETraining #MortgageLife #RealEstateSuccess #LegacyBuilders #HardWorkPaysOff #InvestSmart #SimpleLifeStrongValues

In this episode, Rick Ruby doesn’t sugarcoat it. From market volatility to employee drama and leaky swimming pools, he dives into how clarity, consistency, and hard work cut through the noise. You’ll get tactical insight on his personal investing habits, his income strategy, and what separates overachievers from everyone else.

Key Takeaways:

✅ Why the world craves stability—and how to stay focused anyway

✅ Rick’s monthly investing playbook (yes, the exact stocks)

✅ The 3 keys to wealth: lead flow, a great team, and strong financials

✅ The power of vision, mission, and purpose

✅ Why hard work isn’t optional—and how balance comes after effort

✅ The truth about sales calls, follow-up, and earning trust

Rick’s Challenge to You:

Write down your vision, mission, and purpose. Then go take action. The difference between average and exceptional is always effort.

🎧 – The Street Smart Millionaire – Episode 11

📍 Want to grow faster? Join The CORE Club

🔥 Ready for the next level? Come to The Summit – May 14-16

💼 Coaching for serious professionals: Explore The CORE Training

The information shared in this episode of The Street Smart Millionaire is for educational and informational purposes only. It does not constitute financial, investment, legal, or tax advice. Any examples or references to specific investments, performance, or financial outcomes are for illustrative purposes only and do not guarantee similar results. Always consult with a licensed financial advisor or professional before making any financial decisions.

🏆 The Youngest, Brightest Millionaire I Know – Here’s How He Did It 🏆

Most people take years to build a high-income career. Kyle? He closed $150M in just his second year in the mortgage industry. Now, he’s a top mortgage originator in the country, consistently closing over $100M+ annually.

How? Relentless focus, disciplined habits, and the drive to keep showing up—every single day.

💡 In this episode of The Street Smart Millionaire Podcast, we break down:

• How Kyle scaled to $150M+ while staying balanced
• Why consistency beats talent every time
• The biggest mistake entrepreneurs make when chasing wealth
• How to dominate your industry while keeping your relationships strong

🚀 Want to grow your business faster? Join The CORE Club – TheCORETrainingClub.com

🎟️ Meet me in person at The Summit, May 14-16 in San Antonio. This event will sell out. It always does. Secure your spot: https://www.thecoretraining.com/thesummit/

📈 Ready for coaching that actually works? Get inside The CORE Training and scale to the top: TheCORETraining.com

This isn’t just another episode—it’s a blueprint for high-level success.

Are you ready to execute? Click the links above and start listening now.

- Rick Ruby

🔥 The Secret to Success? Surrendering to the Right Process! 🔥

Most people think success is about working hard. But the real secret? Following a proven system and trusting the right mentors.

In this episode of The Street Smart Millionaire, Rick Ruby sits down with a long-time coaching client who went from $300K to nearly $2M in annual income by surrendering to structure, discipline, and the right coaching.

🚀 Inside This Episode:

✔ Why ‘ego’ holds most people back from real success

✔ How top performers juggle business, family, and personal life—without dropping the ball

✔ The importance of mentorship, faith, and relentless execution

✔ Why organization and time management are non-negotiable for high achievers

If you’re tired of hitting a ceiling in your business and want to learn how REAL winners operate, you need to listen to this episode.

🎧 Tune in now:

👉 Podcast: The Street Smart Millionaire

👉 Coaching: Ready to go ALL IN? Get coached by the best: The CORE Training

👉 The CORE Club: Get access to elite business training & systems: The CORE Club

🔥 Stop making excuses. Start following a system. WIN. 🔥

#Entrepreneurship #BusinessSuccess #WealthBuilding #SalesTraining #TheCORETraining #StreetSmartMillionaire

🚀 New Episode of The Street Smart Millionaire Podcast is LIVE! 🎙️

This week, Rick Ruby breaks down real wealth-building strategies, ride-or-die referral partnerships, and the mindset that separates top producers from everyone else.

🔥 What You’ll Learn in Episode 8:

✔ Stock Market Strategy – When to buy, when to sell, and why Rick stays in the game.

✔ Building a Business That Lasts – The power of referral partnerships and why most people get it wrong.

✔ The Difference Between Rich & Wealthy – Why it’s not about flexing, but about financial security and true freedom.

✔ How to Secure Your Future – Planning for retirement NOW so you don’t struggle later.

💡 The bottom line? You need trust, relationships, and discipline to win in business, in money, and in life.

📲 Listen Now:

🎧 YouTube:    • The Street Smart Millionaire - The CE...  

💻 Join The CORE Club for $99/month: thecoretrainingclub.com

🔥 Are you building real wealth or just making money? Drop a 💰 in the comments if you’re serious about leveling up!

#TheCORETraining #StreetSmartMillionaire #WealthBuilding #ReferralPartners #BusinessGrowth

Visit us online today at https://www.thecoretraining.com to learn more about how The CORE Training Inc can transform your mortgage or real estate business.

Don’t forget to follow us on social media!

LIKE us on Facebook ----   / thecoretraining   &   / thecorere  

Follow us on Twitter ----   / thecoretraining   &   / thecorere  

Follow us on Instagram ----   / thecoretraining  

Follow us on LinkedIn ----   / the-core-training-inc  

Sign Up for our Sales Mega Marathon ---- https://www.coremegamarathon.com

Check out our SUMMIT Events! ---- https://www.thecoretraining.com/thesu...

Shop our store! --- https://shop.thecoretraining.com/

🚀 The CEO Mindset: How to Dominate in Sales, Business, and Wealth 🚀

This week on The Street Smart Millionaire, Rick Ruby breaks down the key principles behind winning in business, generating wealth, and staying at the top of your game. After a packed week of live events, coaching top performers, and making big moves in the stock market, Rick shares his no-nonsense strategy for success.

💰 Want to level up your business? Here’s what it takes:

✔️ Big Vision – No vision, no work, no growth. Where are you headed?

✔️ Perfect Client Targeting – You don’t chase everyone. You chase the right ones.

✔️ Accountability – A real coach holds you to the fire. No excuses, just results.

🔥 Plus, Rick shares his latest stock market wins, why more phone calls = more money, and the secret to building a multi-million-dollar business that lasts.

#TheStreetSmartMillionaire #CEO #Entrepreneurship #WealthBuilding #SalesSuccess #FinancialFreedom #RealEstateCoaching #MortgageIndustry #BusinessGrowth

🔥 How to Be a Modern-Day Killer in Business & Life | Street Smart Millionaire Ep. 6

This week on The Street Smart Millionaire, Rick Ruby dives deep into what it takes to be a true winner—in business, in wealth-building, and in life.

From celebrating his birthday with 35 top coaches to learning self-defense tactics from an elite SWAT sniper and winning strategies from NASCAR champion Joey Logano, this episode is packed with real, no-BS success principles.

🚀 What You’ll Learn in This Episode:

✅ The mindset of a modern-day killer in business & life

✅ The 5 rules to dominate your industry and build massive wealth

✅ Why nice people finish last and what you should be instead

✅ How Rick builds generational wealth through stocks & real estate

✅ The #1 thing that separates high achievers from everyone else

💡 Success is about doing what it takes—no excuses, no shortcuts.

📌 Repost & share this with someone who needs to hear it! 💯 #StreetSmartMillionaire #RickRuby #CORETraining #WinningMindset #WealthBuilding #Success

📢 Financial Disclaimer:

The information provided in this video, podcast, and any related content is for informational and educational purposes only. It should not be considered financial, investment, tax, or legal advice.

Rick Ruby and The CORE Training do not guarantee any financial results, and any investment or business decision you make is at your own risk. Always consult with a licensed financial advisor, tax professional, or legal expert before making any financial decisions.

By watching this content, you acknowledge that you are responsible for your own financial choices. The opinions shared are personal perspectives and should not be taken as professional financial guidance.

Invest smart. Do your research. Take full responsibility. 🚀

In this episode of The Street Smart Millionaire, Rick Ruby sits down with top-producing lender and CORE Training coach, Brian Sciutto, for a no-nonsense conversation about money, business, family, and success.

Brian shares the mindset and strategies that have helped him build a high-performing lending business, lead a thriving team, and create financial security for himself and his family. Rick dives deep into the principles of wealth-building, the importance of discipline, and the lessons that separate top earners from everyone else.

🚀 If you’re in real estate, mortgage, or business, this episode is packed with game-changing insights you can apply immediately.

#TheStreetSmartMillionaire #RickRuby #CORETraining #MortgageSuccess #RealEstateCoaching #WealthBuilding #BusinessGrowth #FinancialFreedom

Money, Mentors, and Emotional Decisions | The Street Smart Millionaire

In this week's edition of The Street Smart Millionaire, I dive deep into the emotional side of money and how it shapes our financial habits. Growing up with limited resources taught me lessons about jealousy, acceptance, and eventually, the value of mentorship. I share personal stories about financial missteps, mentorship from great leaders, and how emotional detachment from money is the key to accumulating wealth with character.

Whether you're struggling with financial decisions, looking for guidance on wealth accumulation, or trying to break free from emotional money habits, this episode is packed with practical advice and real-life examples to inspire your journey.

💡 Key Takeaways:

The impact of upbringing on financial mindset

Why emotional spending hurts wealth-building

Accumulating wealth with character

How mentorship can transform your financial future

👉 Watch till the end for actionable steps to master your finances and start building the life you deserve!

👍 If you found this video helpful, like, comment, and share to spread the message!

#FinancialFreedom #WealthBuilding #MoneyMentors #FinancialLiteracy #StreetsmartMillionaire #PersonalFinance #MoneyMindset #WealthAccumulation #SuccessHabits #MentorshipMatters

🎙️ The Street Smart Millionaire Episode 3: Patrick Conway’s Journey to Success 💼

In this inspiring episode of The Street Smart Millionaire, Rick Ruby sits down with Patrick Conway, a millionaire Realtor® who transformed his career by following the proven guidance of The CORE Training. Now, as a coach for The CORE Training, Patrick is helping other Realtors® achieve the same life-changing success.

What You’ll Learn in This Episode:

✅ How Patrick built his wealth through discipline, strategy, and hard work.

✅ The importance of achieving balance between life, wealth, and business.

✅ Practical tips for taking control of your career and creating financial freedom.

✅ Insightful advice on facing challenges and making bold, impactful decisions.

💡 Why Watch This Episode?

This isn’t just about real estate—it’s about understanding your life to its fullest potential and learning how to take life by the horns. Patrick’s story is proof that with the right mindset, guidance, and effort, anyone can achieve greatness.

👉 Don’t miss this powerful episode! Watch now and start your journey toward success.

🔗 Follow The Street Smart Millionaire for more stories, strategies, and inspiration.

#TheStreetSmartMillionaire #PatrickConway #WealthBuilding #LifeBalance #MillionaireMindset #RealEstateSuccess #TheCORETraining #BusinessGrowth #Motivation #RickRuby