Taming Your Money Monster with Doug Lynam
Money Tree Investing
Doug Lynam is here today to share about his new book, Taming Your Money Monster. Doug shares his unconventional life journey from a Marine Corps officer to a Benedictine monk for 20 years, where he confronted the inescapability of money even in a monastery and how he later transitioned to become a professional money manager focused on teaching healthier, ethical relationships with money. He discusses how people develop "money monsters"—unhealthy money habits tied to psychological attachment styles. He stresses that while thriftiness is valuable, it should not come at the cost of compassion...
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Crypto Bonanza… The King Is Dead… Long Live the King
Money Tree Investing
Douglas Heagren | Follow on Facebook: Follow LinkedIn: Follow on Twitter/X: For more information, visit the show notes at
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Advanced Strategies To Slash The Cost Of College
Money Tree Investing
Shaan Patel is here to discuss how you can slash the cost of college through some more advanced strategies. We also discuss major education changes packed into the “Big Beautiful Bill,” starting with the introduction of new Trump Accounts—a kind of IRA for minors with no deductions and withdrawal restrictions until age 18. We cover expanded uses for 529 plans, including tutoring, test prep, homeschool materials, and more. Repayment options are narrowed down to just two, and several popular income-driven plans are scrapped. We also talk about how Pell Grants are being expanded for...
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Kirk Changes His Tune on Housing
Money Tree Investing
Kirk changes his tune on housing as he moves towards purchasing a new home. Today we explore how homeownership is often more of an emotional choice than a smart financial investment, with many people misunderstanding the real cost compared to renting. We talk about the burden of property taxes, why paying off a mortgage early might not always make financial sense, and the social pressures around owning a home. We shift gears to a surprising discovery in credit reporting systems—a “Human Trafficking Request” option—which leads us to reflect on the serious issue of human trafficking,...
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Balancing Motherhood and Financial Advising with Kaitlyn Laney
Money Tree Investing
Kaitlyn Laney shares her personal and professional journey, and how she manages balancing motherhood and financial advising. As she runs her own firm in Scottsdale, Arizona, Kaitlyn emphasizes the limitations of big financial firms and how individualized planning is critical—especially for high earners who often receive poor or outdated advice. Kaitlyn highlights the importance of understanding taxes, setting up retirement plans tailored to personal goals, and adapting financial strategies to different life stages. She also dives into the real costs of child care, the economic trade-offs...
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Down The AI Rabbit Hole We Go
Money Tree Investing
Today we go down the AI rabbit hole. We also discuss the highlights of the new legislative package dubbed the “big beautiful bill,” which includes tax changes like extending 2017 tax cuts, increasing standard deductions, eliminating taxes on tips and overtime, and adding a car loan interest deduction. They critiqued the temporary nature of supposedly “permanent” policies, expressed concern over increased national debt, and discussed the personal finance implications of car depreciation and insurance after one host totaled his vehicle and bought a newer model. We also talk about the...
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From Medicine to Alternative Investments with Dr. Amir Baluch
Money Tree Investing
Dr. Amir Baluch, a semi-retired anesthesiologist and founder of Baluch Capital, shares his journey from medicine into alternative investments, emphasizing the importance of income diversification after early career financial setbacks. He discusses his firm’s multi-asset platform for accredited investors, which includes real estate development, private equity in life sciences, life settlement funds, and explorations into litigation finance. We touch on AI’s disruptive potential across sectors and note that success will depend less on access to AI tools and more on the speed of...
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AI Thinks It’s OK To Steal and Blackmail You
Money Tree Investing
AI thinks it's OK to steal and blackmail you! Today we dive deep into the evolving landscape of artificial intelligence, highlighting both its disruptive promise and emerging risks. New research showing that large language models (LLMs) often resort to manipulative behavior when put under pressure, raising ethical and control concerns. We also talk about investment strategies around AI infrastructure, noting underperformance in traditional strategies like small-cap, international, and value investing. We also explore a new MIT study suggesting AI may reduce cognitive engagement and critical...
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Bedroom Real Estate: How This Unique Rental Strategy Earns $50,000 a Month
Money Tree Investing
Ryan Chaw shares his bedroom real estate rental property strategy. As a pharmacist-turned-real estate investor Ryan shares how he built a successful portfolio of 14 rental properties generating $50,000/month in income by renting out homes by the bedroom to students and professionals near college campuses. Now financially free, he spends his time coaching others and maintaining a disciplined approach to growth while avoiding low-quality competition and preserving strong tenant relationships. Today we discuss... Ryan Chaw transitioned from a pharmacist to a real estate investor inspired...
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2025 End of Quarter Performance… How Did You Do
Money Tree Investing
Today we talk the end of quarter performance for quarter two of 2025. How did you do? We also cover a wide range of economic and market topics, beginning with the complexities of investing in artificial intelligence, lessons on succession planning, leadership transitions, and the importance of understanding demographic and power dynamics in both politics and investing. We note that large-cap growth, tech, and industrials led Q2 performance, while energy and real estate lagged. Mounting debt, rising delinquencies, and wage garnishment were cited as signs of economic stress, especially among...
info_outlineAI just taught me this cool thing... keep on listening to find out what it is! Today we talk about the massive and fast-moving implications of AI. We share the personal experiences with how AI challenges traditional business structures and workflows, requiring users to reimagine how work is done. We also explores how AI may replace many functions within organizations, from marketing to operations, while still lacking in areas like math accuracy and sales conversations. We also talk about Mary Meeker’s AI report, noting unprecedented user adoption, the rapid rise of global competitors like China’s DeepSeek, and the prediction that LLMs will become personal, customizable, and nearly costless. We need to rethink AI’s role in business, its deflationary impact on cost, and how fast-changing technology may render old tools and concepts obsolete.
We discuss...
- How humor and sarcasm could be the final frontier in distinguishing AI from humans.
- The greatest investment in AI is learning how to use it personally and professionally.
- How limited human imagination, not technology, is the biggest barrier to innovation with AI.
- AI’s limitations in math were noted, with a warning not to fully trust it as a CFO despite its operational usefulness.
- AI isn’t quite ready for high-touch sales calls but is rapidly closing the gap in other business areas.
- Global AI adoption is surging, with China’s DeepSeek gaining ground quickly through much lower-cost models.
- Token costs have dropped nearly 100% in two years, and energy efficiency in GPUs has improved drastically.
- With the penny going out of circulation, it might be time to start saving them as collectibles.
- AI development curves are moving much faster than traditional SaaS models, making this a truly disruptive moment in tech.
- Meta’s LLaMA has been downloaded 1.2 billion times in 10 weeks, with over 100,000 derivative models created.
- The performance gap between open-source and closed AI models is shrinking rapidly, with DeepSeek nearly matching OpenAI on benchmarks.
- The AI ecosystem is becoming decentralized, much like the shift from centralized platforms to blockchain-based alternatives.
- Decentralization is praised for enabling free speech, innovation, and diversity of thought, unlike centralized control.
- Most employees are already using AI tools like ChatGPT personally, even if companies haven’t officially adopted them.
- AI is increasing personal productivity, but there’s concern it may ultimately compress work rather than improve quality of life.
- Over 60,000 new AI-related job titles have emerged in just two years, indicating a massive career reshuffle.
- Without earned knowledge, people can misuse powerful tools like AI, just as they did with nuclear weapons.
- The future with AI could resemble either Skynet or Star Trek, and no one truly knows which way it will go.
- There is risk of psychological strain and social dysfunction if people are displaced without purpose.
- AI tools can now bypass paywalls and summarize articles, challenging traditional media revenue models.
- The current wealth gap and collapse of the middle class is unprecedented, even before full-scale AI disruption.
- Decentralized AI (e.g., having your own local models) is seen as essential to maintain independence and avoid manipulation.
- A growing imbalance of more sellers than buyers suggests further downward pressure on real estate prices.
- Political pressure is influencing Fed policy, with previous rate cuts seen as potentially timed to impact elections.
- Global conflict, such as recent Middle East tensions, is having surprisingly little impact on the stock market.
- Investors should focus on risk management given the unpredictability and detachment from fundamentals.
Today's Panelists:
Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners
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For more information, visit the show notes at https://moneytreepodcast.com/ai-just-taught-me-this-cool-thing-723