Richer with Ratner

Sharing more of what is on my mind with the hope it guides you to self-reflect for 2025 and get ready for 2026. When you have intentional reflection it is impressive when you realize how long a year truly is! Happy NEW YEAR!

With the news and potential about a 50 year mortgage option, I wanted to share some of my thoughts on how this can impact the market and you as a consumer making financial decisions about your living situation.

In a world where we see extremes all around us, try not to fear this volatility. Take a deep breathe, prepare, and be ready for the opportunity to come.

Whatever your idea is take a step this week because anyone who takes a small actionable step today is always further ahead than the person who is still waiting for the perfect time.

Bringing on not only another Ratner but another Ben Ratner. Ben has a background in media and I loved hearing his outlook on richness and how media can impact us daily. Listen in for a great tip about how to stay out of the social algorithms and rabbit holes.

Today we talk about mental health, why pain isn’t a competition, and how surface-level “How are you?” check-ins are hurting real connection. True richness comes from genuine care, deeper conversations, and building relationships that matter.

Society Norms are stealing from people everyday. Growing up and being a young adult in today's world is extremely difficult. We have unrealistic expectations and we will continually be behind the curve for financial freedom if we keep comparing ourselves to those around us. Find peace in your life and don't compare yourself to those around you.

Today we battle with rising costs in all aspects of our life. We spend an extra $2 here, $50 a month there, and so on. We have our comforts and conveniences that may only cost us $5 a day but really they cost us a million in retirement.

Students loans can lead to financial stress later in life. Having thoughtful conversations can result in smarter decisions allowing you more financial opportunity later in life.

Don't let anyone else tell you how to invest, grow, and be better. Find richness in yourself and building your standard and meaning of what rich is to you.

Goal setting can have a negative impact for some people. Don't set unrealistic lofty goals. Find specific goals you can target and take small steps to get where you want to be. Enjoy the journey with a smile on your face and take one small step each day to become RICHER!

In this episode I explain different types of investments and sectors in the stock market. This is for beginners giving a simple and quick overview of your options. Ideally having this foundation you can explore the best investment options for yourself to dig deeper into creating your richness financially!

The first ever multiple guest and video podcast on the Richer with Ratner Podcast. Bring on Lamarr, credit repair professional, and Paul, loan officer, to talk more about investing and buying real estate from any background. Some great chats, insight, stories, and more shared. If you want to buy or invest in real estate, don't let your credit score scare you away!

Protect your family and build generational wealth. 78% of Americans do not have a will in place and this number is way too high. Having a will is a simple process to complete and an important one to passing down generational wealth with a peaceful process. If you do not have a will, you may lose money in legal and court fees when the government gets involved.

What does it mean to be free? We live in one of the most "free" countries in the world but how free are you? Lets challenge our thoughts and see how we can control our life and our freedoms moving forward

Life Transitions are scary and hard. I am going through one now and I wanted to share some insight and thoughts about how to navigate a life transition. If you're moving, changing careers, recent relationship change, and more having a new mindset to create a new you and pursue your passions is ideal.

Looking at your total debt can be overwhelming. Student loans, car loans, credit cards, mortgage, furniture, and more can add up quickly creating a large sum of payments and interest to pay monthly. Lets organize our life, pay off our debt, and enjoy a freedom you haven't felt in a long time!

Thank you to everyone who has listened so far! If this is your first episode or 50th, I appreciate everyone who tunes in, asks questions, and contributes to our community. Here is a quick recap of our 50 episodes and cheers to 50 more!

You don't have to be rich to start, but you need to start in order to become rich! Investing from when your children are born to the age of 18 can make a huge impact on their life. This will provide financial lessons, confidence, and more for them going into their next journey if that is school, starting a business, or more.

Recapping our 2.5 year expat journey. Sharing some thoughts about relationships, memories, travel, and how you can feel a true kind of richness within from these opportunities. Thank you to everyone we have met along the journey!

How can we save to buy our first property and truly prepare us for the homeownership life after purchase? Start paying yourself today and pretend like you are paying the bank, utility companies, and so on. This mindset shift will prepare you mentally and financially for this next life step.

Do you feel like your landlord increases rent every year on your renewal? This 12 minute listen might be able to save you $50+ each month as I provide some tips and insights on how to negotiate this lease renewal.

Bringing on another guest to the Podcast! Olivia Ratner, my wife! I am excited to have her on the podcast to share on HR insight on how to improve your resume, negotiate job offers, and find value in yourself as an employee. Small simple changes, a certain mindset, or some confidence can go a long way. This is an episode not to be missed!

Thinking about investing in real estate? Short term real estate investing is an amazing way to develop cash flow and long term wealth! I am sharing a fast break-down on how you can do it through 4 steps. If this is something that interests you further reach out and I am happy to share more information, books, podcasts, and more to learn from.

We live in a world today that everything is financed and borrowed. We are too comfortable making monthly payments on things like phones, tvs, etc. This is causing us to spend more money, borrow more money, and continually buy things we want in the moment and do not need for the future. Challenge: Save for your next purchase instead of taking an installment plan or loan.