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The FitBUX Podcast

Joseph Reinke

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Our goal... Be more than just another boring personal finance podcast. How do we do it: - We interview individuals at different points along their financial journey to provide you motivation and ideas. From student loans to retirement. - We dive deep into the mental side of money so you can achieve true financial freedom. - We do episodes where we take individual finance topics and deeper dive into them. These aren't your typical finance topics either... Come join the party...
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Tune in to the FitBUX podcast for a deep dive into all things finance, from mastering personal finance to skillfully paying off loans. This episode puts entrepreneurship in the spotlight, offering business advice and practical tips for effective money management. Learn how to navigate the financial landscape while building your business. Jessica an…
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The landmark student loan bill has just become law—and it impacts everyone from future borrowers to current students, and from those paying off debt to those chasing forgiveness under PSLF. In this episode, I'll walk you through: The key dates and deadlines you cannot afford to miss The final components of the bill that will change how you repay Wh…
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You show up every day, work your tail off, and still feel like your bank account never reflects your effort. You're not lazy. You're not irresponsible. You've just never been shown how the system quietly pulls money from your future. In this podcast, FitBUX's founder and CFA Charterholder Joseph Reinke reveals 7 silent traps that are draining your …
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We've helped over 20,000 borrowers manage more than $2.7 billion in student loans and assets—and we're not politicians or lobbyists. We're real experts who've seen the good, the bad, and the absurd. In this episode, two of our FitBUX experts break down what we believe is the real solution to the student loan crisis. We talk through the root of the …
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🚨 This isn't final yet—but it could change everything. Congress is proposing a brand-new student loan repayment plan called IBR RAP—and it's not just a tweak. We're talking about interest forgiveness, a $50 cap on principal reduction, and a repayment structure that flips everything we've known about IDR plans. In this LIVE from YouTube, we'll walk …
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What happens when a burnt-out nurse decides to rewrite the rules? In this powerful episode, we sit down with Ebony Tillery, a Brooklyn native turned 7-figure nursepreneur, to unpack the raw, real story behind her transformation—from working grueling bedside shifts to building a thriving virtual weight loss clinic and teaching other NPs to do the sa…
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🎓 Why does it cost so much to become a DPT—and what can we do about it? In this episode, I sit down with Dr. Richard Severin, DPT, to explore the growing cost of physical therapy education. We take a deep dive into: 📉 Application trends and what they reveal 🏫 Public vs. private DPT programs 💡 Creative (and realistic) ways to fix the system Whether …
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The house education and workforce committee rolled out its plan for higher education and student loans today. It has a LONG way to become law but I've seen people freaking out all over social media about it... which is ironic because there is a lot of good stuff in it that in my opinion is way better than the current plans. I usually don't do any c…
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What's coming for student loans over the next 3.5 years? There is a lot more than you've been told. Are there actually going to be changes? In this live stream, we're unpacking everything: ✅ The shift from the Department of Education to the SBA ✅ Proposed changes to IBR and the future of IDR plans ✅ The risk of PSLF disappearing as non-profit statu…
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Running a business in the allied health space comes with its fair share of challenges. But what if there was a way to streamline your operations, save time, and cut costs? In this episode, we sit down with a team member from Jane App to dive into how their software is making life easier for business owners like you. We cover: ✅ The history of Jane …
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👉 The stock market looks dangerously overvalued — and it's not just the S&P 500. Since 2008, the market has been propped up by low interest rates and Fed intervention… but now the cracks are starting to show. In this live video, we'll break down: ✅ The S&P 500's PE ratio — why it's flashing warning signs ✅ How the Fed's latest moves could push the …
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In this episode, FitBUX founder Joseph Reinke sits down with Karen Litzy, a self-employed healthcare entrepreneur and host of one of the largest podcasts in the industry. Karen shares her journey from clinician to business owner, breaking down the ups and downs of running a healthcare business, the lessons she's learned, and the strategies that hav…
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In this episode, Josh Mettle from Neo Home Loans and Joseph Reinke, CFA, team up to answer your biggest questions about buying a home in today's market. Whether you're wondering about mortgage options, how to qualify, or what current trends mean for you — we've got you covered. Here's what we discuss: ✅ Current housing market trends and what they m…
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Last night, I went live to break down the latest developments in student loans, and trust me, there's a lot happening. First, we discussed the IDR injunction—why it's blocking all applications, what it means for borrowers, and what to expect next. Then, we dove into the budget reconciliation bill, which includes some major student loan changes that…
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Student loans are a disaster. New rules, endless changes, and lawsuits have turned an already complex system into total chaos. And while YouTube is packed with 20-minute videos on how to "game the system," most of those strategies sound great in theory but fall apart in real life. But here's the real takeaway from all this… Millionaires don't overc…
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🎙️ The Truth About Student Loan Consolidation – What They're Not Telling You! "I just spoke to my loan servicer, and they said I should consolidate my federal loans…" I see emails like this all the time. Loan servicers push consolidation like it's the magic fix for lowering payments, saving money, or getting a better interest rate. But here's the t…
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Thinking about switching to 1099 work? It sounds great—more flexibility, higher pay, and tax write-offs. But is it actually worth it? In this episode, we break down everything you need to know about 1099 vs. W-2 income so you don't leave money on the table. We'll cover: 🔹 1099 vs. W-2: Which one is better for you? (Hidden costs most people overlook…
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Dr. Disrespect didn't just become one of the biggest gaming personalities overnight—he built a character that led to his financial success. But here's the secret: you can do the same. In this episode, we break down how consciously shaping your persona, habits, and mindset can unlock financial freedom and long-term success. Most people build their c…
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💰 Student loans, PSLF, repayment plans, investing – there's a lot to unpack, and it's hard to know where to start. 🚨 The student loan landscape is changing – PSLF, repayment options, and other major shifts could cost you thousands if you're not prepared. Whether you're trying to navigate repayment, maximize PSLF, or figure out your investment optio…
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The student loan landscape is a mess, and if you're feeling overwhelmed, you're not alone. In this episode, we break down the latest on IBR, PAYE, and SAVE—what's changing, what's staying the same, and what you need to do now. We also tackle the growing rumors around PSLF, set the record straight on how President Biden actually did succeed in deliv…
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In this episode of the FitBUX Podcast, host Joseph Reinke is joined by Josh Mettle from Neo Home Loans to dive into the biggest questions surrounding the 2025 housing market. They reflect on 2024's surprising trends—like rising home prices despite 7-8% mortgage rates—and look ahead to what's next for buyers, investors, and homeowners. Key topics in…
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The CFPB has uncovered shocking errors in student loans, costing borrowers an average of $14,000 each. In this episode, we dive into the most common mistakes—like incorrect payment amounts, auto-pay errors, and misapplied funds—and explain how you can avoid falling victim. With insights from helping young professionals manage over $2 billion in stu…
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NP Salary Negotiations are a crucial skill for new Nurse Practitioners looking to maximize their income and set themselves up for long-term success. In this podcast, we'll dive into strategies that can help you earn $200k+ by thinking like a consultant, not just an employee. From understanding employer dynamics to using leverage effectively, these …
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Are you a student or new grad nurse practitioner navigating your first big career decisions? This podcast is packed with essential advice to help you succeed as an NP. From finding preceptors and avoiding costly mistakes with W-2 vs. 1099 income, to navigating student loans, retirement benefits, and even buying your first home—this guide covers it …
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Are hidden wealth killers silently draining your finances? In this episode, we uncover two of the biggest financial mistakes that are costing people tens of thousands—if not hundreds of thousands—over their lifetime. We'll discuss why reactive financial management, like focusing only on student loans or getting a mortgage in isolation, can lead to …
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Feeling overwhelmed by financial stress? Many people follow a financial management plan for years only to realize they're nowhere near their goals. In this poscast, we'll show you how to eliminate that stress and gain peace of mind with our 5-step system called Adaptive Financial Management. You'll learn: ✅ How to organize your finances to make sma…
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The recent election has brought major changes to Washington, and with Trump back in office, the future of student loans is once again in the spotlight. What will these shifts mean for borrowers in 2025? In this podcast, we'll cover: The potential impact on Public Service Loan Forgiveness (PSLF) and the SAVE plan. Key updates around income-driven re…
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SAVE was brought to court to stop it. However, todays hearing implies there are major changes coming to PAYE as well. Student loan forgiveness may not be taking place for a number of plans. Be sure to listen to this update if you are currently on an income-driven repayment plan. Get Expert Student Loan Help: https://www.fitbux.com/student-loan-plan…
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Are you sure you're on the right path with your student loan repayment? In this podcast, Joseph Reinke, CFA breaks down everything you need to know to make the best financial decision for your student loans. Whether you're just starting repayment or already a few years in, this expert checklist from FitBUX will guide you through every step, ensurin…
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What would you do if you were $1 million in debt? In this episode, we sit down with the incredible Naseema McElroy (@financiallyintentional), a nurse practitioner, mom, and financial powerhouse, who didn't just tackle that level of debt—she turned it into almost $1 million in assets! 💸 Naseema shares her inspiring journey, from struggling with fina…
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In this inspiring FitBUX podcast episode, Joseph Reinke sits down with Mike Mutzel, founder of High Intensity Health ( @Highintensityhealth ) Myoxcience, to dive deep into his journey from passionate health advocate to successful business owner. Mike shares the invaluable skills he's learned along the way, the connection between health and financia…
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In this episode, we dive deep into the differences between financial planning and budgeting, exploring how each plays a crucial role in achieving true financial success. Discover how I transformed my financial situation and gained financial freedom through effective strategies that go beyond just managing expenses. Learn the importance of financial…
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In this episode of our economic update, we dive into the major financial news impacting the markets. We start with an in-depth analysis of the latest financial numbers—it's technical, but don't worry, Josh breaks it all down clearly and concisely. In the second half, we shift our focus to the real estate market, discussing how these recent developm…
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Welcome to "The Ultimate Guide to Compound Your Way to Financial Freedom," a podcast dedicated to helping you unlock the secrets of compounding to achieve financial independence. Hosted by a seasoned wealth management expert and the founder of FitBUX, this podcast provides actionable tips, innovative strategies, and real-life success stories to gui…
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Uncover a little-known student loan repayment loophole that has the potential to save you thousands of dollars in the long run. In this informative podcast, we will carefully explore the intricacies of how this loophole operates, ensuring that you grasp the concept fully. Our step-by-step guide will walk you through the process of leveraging this l…
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Our financial expert reacts to some of the worst 401k advice I've seen on TikTok. As a financial expert, I get DMs daily about questionable financial tips floating around the internet. Today, I'm breaking down a viral TikTok claiming that 401ks aren't worth it. Spoiler alert: some points are valid, but there's a lot of misleading information too. I…
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Join us as we delve into how The Acolyte and Inside Out 2 come together to provide a valuable investment lesson that has the potential to save you thousands of dollars in the long run. We will explore in detail how to attain financial freedom by implementing intelligent money management techniques and investing strategies specifically designed for …
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In this episode, Joseph Reinke, CFA demystifies the Public Service Loan Forgiveness (PSLF) program and guides you through the essential steps to qualify. Despite many believing they don't meet the criteria, most borrowers with Direct Loans are inherently eligible. If your loans are not Direct Loans, we discuss the nuances of loan consolidation and …
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In this podcast episode, Joseph Reinke discusses how two FitBUX members use pscyhology to rethink debt and reduce their financial related stress. In one instance, the FitBUX member has a low interest rate mortgage debt. Although his savings account is earning more interest, he is stressed about having a 300k balance on a mortgage. In the other inst…
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Join Joseph Reinke, the founder of FitBUX, as he explores the often overlooked concept of human capital and its critical role in achieving financial wellness and freedom. In this engaging podcast episode, Joseph addresses a common concern among young professionals: the daunting reality of debt and negative net worth. However, he brings a fresh pers…
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Welcome to the latest episode of our podcast, where we delve into the heart of financial wellness and empowerment for the modern young professional. In this special episode, our founder and leading financial expert, Joseph Reinke, takes an in-depth look at the newly announced plans for student debt relief. With a fine-tooth comb, we dissect the pro…
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In this Podcast, Joseph Reinke, CFA, founder of FitBUX, dives deep into the complex world of Income-Driven Repayment (IDR) plans for student loans. Discover the common pitfalls that borrowers face, including miscalculated monthly payments due to both borrower and loan servicer errors, and learn strategic ways to avoid them. Whether you're married a…
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In this episode, we're discussing how a tax refund works and what you should do with it. "I'm so happy my tax refund is a lot this year." Does that sound familiar? While initially pleasing, a large tax refund might not be as beneficial as it seems. We'll explore why receiving a hefty tax refund indicates you've provided the government with a zero-i…
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In this podcast, we dive deep into the news that is shaking up the American real estate market. A landmark antitrust ruling against the National Association of Realtors has led to a historic $418 million settlement that's poised to transform how homes are bought and sold in the U.S. What does this mean for you? Whether you're buying, selling, or ju…
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In this enlightening episode of the FitBUX Podcast, we dive into a critical and timely topic that resonates with many high-income earners and married couples—making the right choice between SAVE and PAYE for student loan repayment. With PAYE on the brink of expiration, our host, Joseph Reinke, CFA and founder of FitBUX, sheds light on the nuances a…
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In this pivotal episode of the FitBUX Podcast, we dive deep into the recent announcement from the Department of Education, extending the Income-Driven Repayment (IDR) plan recertification deadline to no earlier than late September 2024. Amidst the swirling confusion and concern within our vibrant community of students and new graduates, this episod…
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In this episode, Joe discusses a FitBUX member who is a student and had $60k in a 401k. He illustrates how this student was able to do a roth conversion ladder and turn that money into tax free money that he can access penalty free if he chooses to post graduation. In addition, if he leaves it in the Roth IRA until retirement, he'll have $600k in t…
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