Best Late Starters Podcasts (2025)

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Episode 73 - Horizontal Zipper 42:06

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3h ago42:06

42:06

You can start late as long as you start! The gang rests, recuperates, and encounter the latest fashion trend. Join us every other Friday for another exhilarating episode of Late Starters! The Late Starters have launched a Patreon to help with the journey in front of them! If you would like to be a supporter head here to help out! Catch ya later! Ge…

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From $20K/Year Salary to $20K+/Month Passive Income w/Ashley Hamilton 38:10

15m ago38:10

38:10

Ashley Hamilton had every card stacked against her in achieving financial freedom. She was a single mother with two children, earning just $20,000 per year working as a waitress, living in Detroit, one of the hardest-hit markets following the Great Financial Crisis. Sixteen years later, she’s making $50,000 per month in pure cash flow (and she has …

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The worst loss in Bengals history? UGLY, UGLY, UGLY! 32:31

11h ago32:31

32:31

The Bengals got flat out embarrassed as they turned it over 5 times without Joe Burrow and the game was effectively over at halftime. Jake Liscow and James Rapien reflect on the ugly outing for the Bengals, including the worrisome showing from the offensive line, and dreadful ball security - both of which will need to be much better to keep the sea…

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A Richer Retirement: The 4.7% Rule | Bill Bengen | 169 1:02:04

2h ago1:02:04

1:02:04

We are welcoming back the man behind the most debated number in retirement, Bill Bengen- this time with a special appearance from his lovely wife, Barbara. We take a brief detour to hear their love story and how they met, before getting into his new book, 'A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More'. He joins us in …

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Fed Cuts Rates: Who Needs to Rate Lock and Refinance ASAP 33:42

3d ago33:42

33:42

The Federal Reserve has finally cut rates. Will mortgage rates follow? If you’ve been waiting to rate lock or refinance, is now the time, or does the market think we have even further to fall? With inflation coming down from past years’ peaks and unemployment slowly ticking up, the Fed made the decision everyone was waiting for: cut rates…cautiousl…

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Joe Burrow Surgery Set, Bengals Eyeing First 3-0 Start in a Decade 32:23

4d ago32:23

32:23

Joe Burrow's turf toe surgery date is set. James Rapien and Jake Liscow break down what it means for his possible return this season, plus a preview of Sunday's game in Minnesota where Jake Browning and the Bengals hope to start 3-0 for the first time since 2015. We break down how the Bengals' offense could look with Browning leading the charge and…

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Bengals vs Vikings: OFFICIALLY Battle of Backup QBs | Who Has The EDGE? 32:47

5d ago32:47

32:47

The Cincinnati Bengals head to Minnesota to play the Vikings on Sunday. Jake Browning will get the start at quarterback with Joe Burrow injured. Minnesota will also be playing their backup signal-caller with Carson Wentz gettin the nod. J.J. McCarthy is dealing with an ankle injury. Who has the edge in the battle of the backups? James Rapien and Lu…

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Buy Now vs. Wait and the Best First Rental for Beginners 36:50

5d ago36:50

36:50

Should you buy a rental property now or wait? If you buy now and prices rise, you’ll get all the appreciation that comes with it and have the chance to refinance at any point in the future. But waiting to have a larger down payment could get you a better loan and put you in a stronger financial position. You want to get into real estate investing s…

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Breaking down the turf toe play, offensive adjustments for Jake Browning, and lingering issues on defense 34:33

6d ago34:33

34:33

An otherwise routine football play led to Joe Burrow's turf toe injury, but what went wrong that left Burrow in a vulnerable position? Jake Liscow is joined by Mike Santagata to break down a quick game play where Ja'Marr Chase got jammed and that forced Burrow to hold onto the ball, but a 2nd-and-20 situation also influenced decision-making. Plus, …

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The Girls Are Back! Season 11 Premiere 1:31:43

4h ago1:31:43

1:31:43

The girls have dusted off themselves and the microphones and are getting ready to cover this EPIC Olympic season! The first hour is spent with Lori and Mary catching up on all the curling news: roster changes, engagements, babies and top stories. After that the girls catch up on other things: TV, pop culture topics and how Mary almost made it to Th…

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Turf Toe is the WORST | Everything we know about Joe Burrow's impending surgery 30:12

7d ago30:12

30:12

Turf toe sounds innocuous, but it's an extremely painful and debilitating injury that requires surgery 2% of the time, and Joe Burrow is unlucky. Jake Liscow and James Rapien break down everything we know about the injury, the surgery, the recovery timeline, and what's next for the Cincinnati Bengals with the possibility Burrow could be out for the…

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EMERGENCY POD: Cincinnati Bengals Star QB Joe Burrow NEEDS Surgery, Could Miss ENTIRE Season 17:58

7d ago17:58

17:58

Cincinnati Bengals star quarterback Joe Burrow will undergo surgery after suffering a turf toe injury in Sunday's win over the Jacksonville Jaguars. He will miss at least three months with the injury and could be out for the entire season. James Rapien reacts to the news, he discusses Burrow's injury history, the Bengals' issues in the trenches, wh…

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From Starting Over at 30 to 17 Rentals (and Financial Freedom) 5 Years Later 32:54

7d ago32:54

32:54

At 30, Sarah King was forced to liquidate all her assets after a messy divorce. She had to start over and rebuild any wealth she had acquired, all while being a single mom to her one-year-old. Now, just five years later, she has 17 rental properties and is on track to retire early as a multimillionaire over a decade before traditional retirement ag…

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Bengals Escape Wild Week 2 with a Win After Joe Burrow's Toe Injury 29:59

8d ago29:59

29:59

Joe Burrow's toe injury leaves the Bengals with a murky outlook, but they're 2-0! Jake Browning and the Bengals' D did just enough to secure a wild 4th quarter comeback and escape Week 2 with a win for the first time in the Zac Taylor era. Jake Liscow and James Rapien break down what we know about Burrow's injury and the wild home opener that buys …

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How This Savvy Young Planner is Helping Retirees | Emma Von Weise | 168 1:10:57

21h ago1:10:57

1:10:57

The average financial planner is about 56 years old, but 25-year-old Emma Von Weise got a running start learning about money as a teenager and is now one of the youngest CFP professionals in the US. She shares how she became money savvy so early and what influences impacted her the most. She isn’t here to judge the rest of us who started late, but …

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How to Diversify Your Rental Portfolio for Financial Freedom Faster 37:41

10d ago37:41

37:41

You’ve built up (or are about to build) a rental portfolio, but something is telling you it’s time to pivot. Maybe you’ve gone too far into one strategy, like owning eight short-term rentals. Or you’re seeing new build-to-rent properties with low prices, low maintenance, and low interest rates, and thinking “hmm…that seems like a good deal.” How do…

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Bengals Offense Seeks REDEMPTION Against Jaguars | Will Joe Burrow Bounce Back? 27:51

11d ago27:51

27:51

Can the Cincinnati Bengals bounce back against the Jacksonville Jaguars in Week 2? Joe Burrow and the offense need to wake up after a lackluster season opener. Jake Liscow and James Rapien break down key matchups, including Trevor Lawrence's potent passing attack versus the Bengals' secondary, where Cam Taylor-Britt's performance is under a microsc…

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Cincinnati Bengals' Defense Faces REAL Test Against Trevor Lawrence's Jaguars 28:16

12d ago28:16

28:16

Will the Cincinnati Bengals defense play well for a second-straight week? Will Joe Burrow and Ja'Marr Chase rebound on offense? Will Zac Taylor win in Week 2 for the first time in his career? There are plenty of storylines going into Sunday's game between the Bengals and the Jacksonville Jaguars. James Rapien is joined by Tony Wiggins of Locked On …

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How to Do a “Slow BRRRR” in 2025 (Better Than BRRRR) 40:15

12d ago40:15

40:15

The “Slow BRRRR” method. It’s less risky, comes with more cash flow, and is easier to pull off than the traditional BRRRR (buy, rehab, rent, refinance, repeat) strategy. A couple of weeks ago, we shared why this was the best rental property investing tactic for 2025, and today, we’re walking through the steps so you can do a slow BRRRR this year. T…

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Bengals' Late Additions Making Major Impact, Trey Hendrickson Contract Details Revealed 29:33

13d ago29:33

29:33

The Bengals finally made late offseason moves in 2025, and adding Noah Fant, Dalton Risner, and Mike Pennel is already paying dividends. Jake Liscow and James Rapien break down how important those moves are turning out to be, how Trey Hendrickson's void year could cost him in a potential franchise tag scenario in 2026, and an edge rusher addition t…

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Bengals' D Impresses, Offense Stumbles | Week 1 Film Takeaways 36:20

14d ago36:20

36:20

It's time to dive into the Week 1 film as the Cincinnati Bengals' defense impressed in the run game and the offense struggled in the second half. Mike Santagata joins Jake Liscow to dissect the film, including TJ Slaton's impact and Logan Wilson's standout performance. We also get into the lingering concerns on defense, highlighted by Cam Taylor-Br…

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I Built a $12K/Month Rental Portfolio While Working 9-5 33:59

14d ago33:59

33:59

After a fateful encounter with a real estate investor on vacation, Pratik Shah's eyes were opened to the possibilities of real estate investing. Now, just eight years later, he has a rental property portfolio producing $12,000 per month in pure profit. Even better, he accomplished it all while working a 9-to-5 job, buying rental properties on the s…

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Bengals win UGLY, but a win is a win! | Defense Makes Winning Plays as Offense STRUGGLES 33:14

15d ago33:14

33:14

17-16 is a win! Despite Joe Burrow, Ja'Marr Chase, and the Bengals offense sputtering in the second half, the defense made enough plays and luck was on Cincinnati's side as they escape Cleveland with a win. Jake Liscow and James Rapien break down what we can actually take away from another weird Bengals Week 1, including expectations that the offen…

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Reached FIRE At 50👉🏻 And Here’s Why He Still Keeps Climbing | Darrow Kirkpatrick | 167 1:01:15

15d ago1:01:15

1:01:15

Darrow Kirkpatrick retired from a 29-year career in civil and software engineering in April 2011 at the age of 50 and started the blog 'Can I Retire Yet' that same year. The Blog was one of the first in the FIRE (Financial Independence, Retire Early) space and focuses on the personal finance needs of anyone who is thinking about retirement or early…

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Where We’d Invest in Real Estate Right Now (9 Markets) 39:27

17d ago39:27

39:27

Here’s where we’d invest in real estate right now. The best markets to buy rental properties are often overlooked, affordable cities with strong rents, reasonable home prices, and robust job growth. These markets could not only appreciate steadily, giving you the long-term wealth you’re looking for, but also pocket you some decent cash flow, so you…

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Cincinnati Bengals Can Start To Prove Themselves vs Cleveland Browns in Battle Of Ohio 30:31

18d ago30:31

30:31

The Cincinnati Bengals have their first chance to prove their doubters wrong in their Week 1 road trip to Cleveland. Jake Liscow and James Rapien break down the strength-on-strength and weakness-on-weakness matchups that matter, including how the Joe Burrow and the offensive line will deal with Myles Garrett. We'll start getting answers about Al Go…

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DUEL: Joe Burrow vs. Browns' FIERCE Pass Rush | Can Bengals O-Line Protect Their Star? 32:29

19d ago32:29

32:29

Can the Cincinnati Bengals overcome their history of slow starts in Week 1 against the Cleveland Browns? Joe Burrow and the Bengals face a formidable challenge in Myles Garrett and the Browns' fierce defensive line, while Ja'Marr Chase's matchup with Denzel Ward always provides fireworks. James Rapien and Locked On Browns' Spencer German break down…

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Honest Advice to Someone Who Wants Financial Freedom 37:00

19d ago37:00

37:00

Financial freedom—no boss bugging you, bills taken care of, vacations easily paid for, and time to do whatever you want. This is the goal of every real estate investor, and the goal Dave and Henry had when they bought their first rental properties. But now, they’re financially free, with real estate portfolios that can pay for their lifestyles and …

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A Very Different Voice in Financial Planning | Jackie Cummings Koski | 166 49:41

19d ago49:41

49:41

In this crossover episode, Jackie joins the 'Wicked Pissah Podcast’, brought to you by the Financial Planning Association (FPA) of New England. She trades in the Sunday sweatshirt for her CFP® blazer but still stays true to openly sharing her fascinating money story and spreading financial literacy. They discuss: The story behind her $2-bill saving…

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Time to Lift the Curtain on the 2025 Defense! | Can Golden's Plan Deliver Wins? 31:46

20d ago31:46

31:46

Al Golden's scheme, vision, and leadership needs to be good enough for the the Cincinnati Bengals' to unlock their championship potential. With the preseason behind us, the Bengals' defensive overhaul takes center stage as Jake Liscow and film analyst Mike Santagata break down the schematic shifts we can expect this year. From a more aggressive "at…

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Bengals Bolster Run Stuffing Depth with Mike Pennel, and the Right Guard Battle Is Still Going!? 31:53

21d ago31:53

31:53

The Cincinnati Bengals added Mike Pennel to the practice squad on Monday, and the former Chiefs nose tackle represents quality run stopping depth where they were lacking it. Jake Liscow and James Rapien break down what the Pennel brings to the Bengals, and what the move means for McKinnley Jackson and Howard Cross. Plus, offensive coordinator Dan P…

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Do You Need an LLC for Rental Property Investing? 27:22

21d ago27:22

27:22

This episode could save you tens of thousands, if not millions, in the long run. We get the same questions all the time: Do I need an LLC for rental property investing? Should I start an LLC before buying my first rental? Where is the best state for a real estate LLC? We’re not lawyers, so we can’t advise on this, but we do know someone who can—Bri…

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Monthly 10 From the Land - Episode 6-The Guys are back from hiatus and talking Guards roller coaster summer, Browns purgatory season predictions, TV, music, movies and C-Town’s most successful man. 1:34:52

21d ago1:34:52

1:34:52

Its Gettin’ Hot in Here… not really… Summer may be winding down, but the hot takes are just heating up (AI wrote that line). Gerber, Danko and Chuck return for another monthly show to wave goodbye to August and reluctantly acknowledge that fall is lurking around the corner like DeShaun Watson threatening to be healthy (also AI!). The Guys throw bac…

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Time for the Bengals to Start Fast | Plus, Dalton Risner's early fit, and how Jabrill Peppers could help at safety 32:38

22d ago32:38

32:38

We've been talking about a "fast start" for the Cincinnati Bengals forever, and now that the season is starting, Jake Liscow and James Rapien break down what that should actually look like for the Bengals, and how much of it is on Joe Burrow after he got preseason snaps. Plus, we decipher how Dalton Risner could be part of their Week 1 game plan. H…

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Borderless FI: The Happy KiwiSaver | Ruth Henderson | 165 1:06:57

9d ago1:06:57

1:06:57

Ruth Henderson is the creator of ‘The Happy Saver,’ a beloved New Zealand blog and podcast that brings personal finance down to earth. She transitioned from part-time work to full-time content creation, sharing her journey toward early retirement with honesty, humor, and heart. In this episode we swap notes with her on the financial independence jo…

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This Is the Best Rental Property to Buy in 2025 44:39

24d ago44:39

44:39

You want to invest in real estate, but don’t know which property to buy. We’re about to make it much easier. These are the two best investment properties to buy in 2025, whether you’re a beginner with little to no real estate investing experience or a veteran investor ready for something with a bit more meat on the bone. We’ll share exactly how muc…

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Episode 72 - He's Not Dead Yet 34:58

19d ago34:58

34:58

You can start late as long as you start! Is there a difference between "he's still alive" and "he's not dead"? Ford seems to think so! Join us every other Friday for another exhilarating episode of Late Starters! The Late Starters have launched a Patreon to help with the journey in front of them! If you would like to be a supporter head here to hel…

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PREVIEW: The Cincinnati Bengals will challenge for AFC North in 2025! 34:17

25d ago34:17

34:17

AFC North 2025: Ravens' Three-Peat Quest, Bengals' Defensive Woes, and Steelers' Rodgers Era Can the Baltimore Ravens make history as the first team to win the AFC North three years straight? Kevin Ostreicher and fellow hosts dissect the Ravens' offseason moves, including Jair Alexander and DeAndre Hopkins acquisitions. Jake Lisco examines the Cinc…

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Is the ONE SEED in play for the Cincinnati Bengals? | How Joe Burrow can do the heavy lifting in 2025 31:51

25d ago31:51

31:51

Joe Burrow is elite, and Robert Weintraub (Cincinnati Magazine, FTN Almanac) makes the case for a major Bengals bounce back in 2025. Jake Liscow and James Rapien chat with Robert about the upside with Burrow, the offensive line and running game, concerns about the Bengals' defense and so much more! They also look ahead to the Bengals' Week 1 matchu…

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Dalton Risner is a Bengal! | Bengals add quality veteran to interior offensive line group 33:23

26d ago33:23

33:23

More than a week after Dalton Risner left Cincinnati without a contract, the Bengals got a deal done on Wednesday. Jake Liscow and James Rapien discuss Risner's potential impact, even if he needs a little time to learn the offense and grow into a starting role. And with Risner, Noah Fant, and Trey Hendrickson signing deals with the Bengals late in …

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How to Make Any Rental Property Cash Flow (Before You Buy) 36:04

26d ago36:04

36:04

We’re going to show you how to make any rental property cash flow as soon as you buy it. Want to know how to analyze a rental property like a pro? This is how. Expert investors don’t just crunch the numbers once and submit an offer or reject it—that’s an easy way to miss out on the best real estate deals. Instead, we’re showing you how we tweak spe…

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Bengals go heavy at DT, light on OL for initial 53-man roster 32:05

27d ago32:05

32:05

The Cincinnati Bengals' initial cutdown to 53 never fails to surprise, and this year it's their decision to keep 6 defensive tackles and 5 tight ends against just 8 offensive linemen. Jake Liscow and James Rapien break down the most interesting moves the Bengals made on cutdown day, and more importantly, what's coming next as they scour the waiver …

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EMERGENCY EPISODE: Trey Hendrickson gets MASSIVE raise to play 2025 20:02

28d ago20:02

20:02

Trey Hendrickson and the Cincinnati Bengals finally found common ground. The surprise is that the common ground is for 2025 only. The Bengals won't take the risk to pay Hendrickson for his aging years, and the All-Pro defensive end will have a chance to reach free agency for one last big deal after this season. Jake Liscow and James Rapien break it…

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The New (Better) BRRRR Method: Less Risk, More Cash Flow 36:30

28d ago36:30

36:30

The BRRRR method (buy, rehab, rent, refinance, repeat) was, for a few years at least, the real estate investor’s golden ticket to a million-dollar portfolio. It allowed investors to buy properties, fix them up fast, get their down payment money back, and recycle it. This created an “infinite” investing loop where someone with one down payment could…

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Cincinnati Bengals 53-Man Roster Predictions | Difficult Decisions! 34:58

28d ago34:58

34:58

The Cincinnati Bengals are working through their roster gymnastics to get the roster to a regular season 53, so it's time for our annual roster prediction! Jake Liscow and James Rapien walk through the depth chart and analyze the likely cuts and keeps, and clear areas where the Bengals will be looking for external help. Who will get through the ini…

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Tell Your Story With A Book, Here’s How | Azul Terronez | 164 1:23:10

16d ago1:23:10

1:23:10

Azul Terronez went from being an unknown schoolteacher to a Wall Street Journal and USA Today bestselling author. He is co-founder and lead coach at “Authors Who Lead,” a platform dedicated to empowering authors to share their stories. He turns our conversation with him into a courage clinic for would-be storytellers, late starters, and anyone who …

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Cincinnati Bengals Get Their Last Look at Roster Hopefuls in Preseason Finale | Takeaways and Injuries In Blowout Loss to Colts 31:18

30d ago31:18

31:18

The Cincinnati Bengals concluded their 2025 preseason by getting blown out against the Indianapolis Colts in a battle of backups and practice squad hopefuls on Saturday, but they sustained injuries to Jermaine Burton and Daijahn Anthony in the process. Jake Liscow and James Rapien break down the depth chart implications from Saturday's preseason fi…

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How to Invest in Real Estate on a Middle-Class Salary ($70K or Less) 44:54

1M ago44:54

44:54

Do you make a middle-class income ($70,000 or less) per year and want to invest in real estate? This is how you do it. You don’t need a six-figure salary to buy your first rental property and start building generational wealth and early retirement. Dave is a testament to this, buying his first rental with barely any money, zero experience, and work…

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Bengals roster spots up for grabs in preseason finale | Training camp wrap-up! 33:30

1M ago33:30

33:30

With training camp wrapping up on Thursday, the Bengals have some decisions to make that will come down to how different depth pieces perform in their preseason finale. Jake Liscow and James Rapien break down the takeaways from the final practice of training camp, including why Oren Burks was in for Demetrius Knight, Mitch Tinsley's evidently solid…