The REAL Wealth Formula Podcast

Firing contractors is one of the most uncomfortable parts of real estate investing — and one of the most expensive if you do it wrong. In this episode of The Real Wealth Formula, Brad Hovis breaks down exactly how and when to fire contractors so you don’t lose time, money, or control of your project. Brad shares hard-earned lessons from decades of rehabbing properties, including: -why he has never...

Most people believe their financial stress will disappear once they make more money. It won’t. In this episode of The Real Wealth Formula, Brad and Dr. Brian E. Arnold breaks down why income alone never creates freedom and why habits, stewardship, and structure matter far more than your paycheck. This is a practical, faith-driven conversation about: ✔ why people stay stuck financially for decades...

One of the most common questions real estate investors ask is: “What local markets actually work for investing?” In this episode of The Real Wealth Formula, Brad Hovis sits down with long-time partner John Webb to break down the real way to choose real estate markets using both data and real-world experience. They explain why price-to-rent ratios matter, why distressed inventory is essential, and...

Hiring contractors can either make you money or completely destroy your deal. In this episode of The Real Wealth Formula, Brad breaks down the exact rules he follows when hiring contractors, built from years of experience, millions in rehab projects, and painful (expensive) lessons learned the hard way. He shares why you should never give contractors deposits, how to protect yourself from disappea...

What if the real reason you’re stuck financially has nothing to do with your income… and everything to do with your identity? In this emotional and eye-opening wealth review, Brad sits down with Marion — a single mom of four who’s been in survival mode for years — to uncover the hidden behavioral patterns, beliefs, and dependencies that quietly sabotage financial freedom. If you’ve ever wondered “...

What does it really take to become a wealthy real estate investor — not just on paper, but in real life? In this episode, Brad sits down with Matt Sanchez, a humble Denver investor who has done over 1,000 deals, survived multiple market cycles, built long-term cash flow, developed properties, and quietly created the kind of freedom most people only dream about. Matt breaks down the REAL difference...

Most people think legacy is about money, retirement, or what gets written in a will. But Brad breaks down the deeper truth: legacy is what lives on because you lived. In this emotional and powerful episode, Brad shares how suffering, faith, purpose, and passion shape the legacy you’re meant to leave. He walks through the Real Wealth Formula — Reduce Expenses, Enlarge Active Income, Acquire Passive...

What happens when a hardworking mom of three tries to grow her income but keeps getting held back by hidden expenses and debt? In today’s Real Wealth Review, Brad Hovis sits down with Jessica Savage — a hairstylist, educator, and entrepreneur — to break down her real numbers, real habits, and real path to building wealth for her family. Jessica currently makes around $5,000/month, recently launche...

Should a real estate investor get their real estate license? Brad and Brian break down one of the most common questions newer investors have and the answer isn’t what most people think. In this episode, you’ll learn the real reasons investors choose to get (or not get) their license, the creative finance traps that licensed agents must avoid, and how to decide whether a license will accelerate or...

What if the real definition of wealth has nothing to do with net worth, fancy cars, or a stacked bank account? In this episode, Brad breaks down the real meaning of financial freedom — living on PASSIVE income. Not hoping. Not grinding forever. Not praying your job stays stable. But actually having enough monthly cash flow to cover your entire life. Brad explains: -how to calculate your “monthly n...

This episode dives deep into what REAL wealth looks like for young entrepreneurs, side-hustlers, and content creators who want financial freedom — not just income. Brad sits down with Ishaq, a 21-year-old hustler who flips clothes, sells designer streetwear, models, creates fitness content, and wants to inspire young men to build discipline, mindset, and purpose. For the first time, Ishaq gets a f...

How does a pro athlete go from surviving on $11,000 a year in the minor leagues to building enough passive income to retire early, all without debt, hype, or get-rich-quick schemes? In this powerful conversation, Brad Hovis sits down with former Chicago Cubs player David Bote to break down real passive income: how it works, why it works, and how everyday people—not just celebrities or athletes—can...

Are you trying to build passive income but feel stuck, confused, or overwhelmed by all the “gurus” telling you 100 different strategies? In this episode, Brad breaks down exactly how real people can build real wealth—not by gambling on stocks, chasing hype, or signing risky loans, but by using simple, practical steps that actually work in the real world. He reveals the four types of passive income...

If you feel like you make “okay money” but still can’t get ahead, this episode will hit home. Brad walks Ken through a full Real Wealth Review by breaking down spending, behavior patterns, debt decisions, and practical steps to finally build real financial freedom. This conversation proves one thing: Personal finance is NOT a math problem. It’s a behavior problem. Inside the episode: • Why trackin...

Are you holding out for the perfect real estate deal? In this episode, Brad Hovis and guest Kal Murib shatter the myth of waiting for “discount” properties. Learn why the most successful investors buy right away, negotiate creative terms, and hold for wealth that compounds over decades. Discover the power of location, long-term thinking, and why building relationships matters more than chasing bar...

What if you could double your income without quitting your job? In this episode of The Real Wealth Formula, Brad Hovis reveals the real steps to enlarge your active income, whether you’re stuck in a 9-to-5, feeling uninspired, or just ready for more. Discover how to become irreplaceable at work, get the raise you deserve, and turn your job into a wealth-building springboard. Brad shares his own $1...

Most people think getting rich means earning more — but that’s only half the story. In this episode of The Real Wealth Formula, Brad Hovis sits down with his brother, a comedian and pastor Jake Hovis to unpack the real path to financial freedom: living below your means, cutting unnecessary expenses (even dog grooming!), and redirecting your money toward passive income that pays you back. From payi...

Are you tired of losing money on sports bets?  In this episode of The Real Wealth Formula, we sit down with Garrett Gibson, a contributor to the Denver Sports Betting podcast, to uncover the truth about responsible sports betting. Garrett shares his journey from recreational betting to treating it like a business, revealing the strategies, discipline, and mindset that helped him grow his bankroll...

How do you break free from financial stress when your expenses never seem to line up with your income? In this episode of The Real Wealth Formula Podcast, Brad Hovis dives deep into his personal approach for reducing expenses, escaping the debt trap, and building real wealth—no matter how inconsistent your paycheck is. You’ll learn why tracking is more powerful than “budgeting,” how to rethink cre...

How do you build wealth when your income changes every month? In this episode of The Real Wealth Formula Podcast, Brad Hovis sits down with Kyle — a 33-year-old actor, voice talent, and coach who earns around $2,000 a month, has no debt, over $100K invested, yet still doesn’t feel financially free.   💡 Key Takeaways Why wealth isn’t about how much you make — it’s how much you need How Kyle became...

Most people buy real estate at full price. Wealthy investors don’t — and in this episode, you’ll learn exactly how they do it. In this episode of The Real Wealth Formula Podcast, Brad Hovis sits down to break down how smart investors find and buy properties below market value — even in 2025’s competitive housing market. You’ll learn the exact process used by experienced investors to get off-market...

Everyone’s asking what’s next for the real estate market — but few are giving real answers. In this episode of The Real Wealth Formula Podcast, host Brad Hovis breaks down what’s actually happening in the housing market for the rest of 2025. Brad cuts through the noise with a clear, data-informed, and faith-grounded conversation about market trends, investor behavior, and how to make wise financia...

Most people think debt forgiveness is the finish line. For Daquarii, it was just the beginning. After getting $165,000 in student loans forgiven, she expected to feel free, but what happens when the debt is gone and purpose is still missing? In this episode of The Real Wealth Formula Podcast, host Brad Hovis sits down with Daquarii to uncover what financial freedom really looks like after the weig...

How do you actually raise private money for real estate — without hype, pressure, or losing your integrity? In this episode of The Real Wealth Formula Podcast, host Brad Hovis sits down with Adam Adams, a real estate investor who has raised millions in private capital, to uncover the real 5-step process to raising money the right way. They break down why “good deals” aren’t enough to attract inves...

How do you actually achieve financial freedom — not just more money, but more life? In this episode of The Real Wealth Formula Podcast, host Brad Hovis shares his personal journey from financial struggle to true wealth — and breaks down the exact formula that changed everything. You’ll discover the power behind the R.E.A.L. Wealth Formula, a simple, actionable path to financial freedom and legacy...