Save to Zero

Episode 11: The Tax Playbook for Real Estate Investors with Larry Pendleton Taxes are one of the biggest levers in real estate, but also one of the most misunderstood. That’s why Save to Zero hosts Zach Richards and Mike Seidl sit down with CPA and real estate investor Larry Pendleton to learn how smart investors actually think about taxes, cash flow, and long-term wealth. Larry brings a rare mix...

Episode 8: Real Estate Growth, Mindset, and the Right Team with Bob Murray Most people spend their lives saving money, but the real opportunity comes when you learn how to make money work for you. Real estate investor Bob Murary joins Save to Zero hosts Mike and Zach to talk about building a growing property portfolio, creating systems that scale, and learning how to think bigger. Bob shares how h...

Episode 3: Relationship Capital Matters Most with Stephen Steric What if the fastest way to grow your business isn’t a new strategy, but a better room? That’s what we’re talking about with our guest, Stephen Steric, a Southern California contractor who’s built his success around one thing: relationships. And he’s not shy about what works. Stephen shares how he started a trucking company during COV...

Episode 2: You Can’t Save Your Way to Wealth with Mike Seidl What if we told you that saving harder is keeping you stuck in a puddle while other people are playing in the ocean? If you’ve ever felt stuck clipping coupons and “being good” with money but never getting ahead, this one’s for you. In this episode of Save to Zero, Zach Richards sits down with Mike Seidl to discuss how he went from growi...

Episode 1: Financial Freedom Starts with Skills, Not Sacrifice What if the “smart” money advice you’ve heard your whole life is keeping you stuck? Our focus with this episode is all about this show’s big idea: saving can only ever get you to zero, but earning can be unlimited. In this episode, co-host Mike Seidl interviews co-host Zach Richards, and they discuss the inspiration of the podcast. You...

Episode 6: LinkedIn, Masterminds, and Building a Business That Lasts with Anthony Simonie If you’ve only been treating LinkedIn like a digital resume, it’s time to rethink your approach. Save to Zero hosts Zach and Mike sit down with Anthony Simonie to break down why LinkedIn is still one of the best platforms to build trust, start real relationships, and create business opportunities. Anthony’s s...

Episode 4: Lean Systems, BRRRR Deals, and Building Real Wealth with Hugh Carnahan What do a rice hat, American-flag overalls, and a decommissioned missile silo have in common? A lot more than you’d think. In this episode, Mike and Zach sit down with Hugh Carnahan to talk about how “lean” thinking can speed up wealth building, especially in real estate. Hugh breaks down lean manufacturing in plain...

Episode 9: From Cleaning Company to Real Estate Deals with Steve Niemaszyk What do you do when you lose your job and decide that you never want to work for someone else ever again? Do what Steve did. In this episode of Save to Zero, hosts Zach and Mike sit down with Steve Niemaszyk to talk about how he built a cleaning business out of necessity, then used that foundation to move into real estate i...

Episode 10: Real Estate, Property Management, and AI with Matt Hitchcock Building a real estate business that can scale is about way more than just owning one. That’s the meat of the conversation Save to Zero hosts Zach and Mike have with Matt Hitchcock of Common Wealth Collective. From house hacking and multifamily investing to in-house property management, systems, and AI, Matt shares how his te...

Episode 5: Multiple Income Streams in the AI Era with Matt Loop What if the next big “Google shift” is already happening… and most business owners don’t know it yet? Hosts Mike and Zach chat with bestselling author Matt Loop about ChatGPT, searches, and what smart entrepreneurs are doing right now to stay ahead. Matt breaks down why ChatGPT-style searches can convert better than traditional search...

Episode 7: There is No Perfect Time to Start a Business with Junior Anziani What if the thing holding you back in business is waiting for the “right time,” when there never really is a right time? Save to Zero hosts Mike and Zach sit down with Junior Anziani to talk about building a business, taking risks, and learning as you go. Junior shares how he went from working in corporate IT to building h...