PODCAST

Wealth Formula by Buck Joffrey

Buck Joffrey

Financial Education and Entrepreneurship for Professionals

business investing

All Episodes

27:47

539: Best of 2025 Holiday Special

Wealth Formula by Buck Joffrey ·

2025/12/29

It’s been another interesting year in the world of personal finance and macroeconomics. As we look ahead to 2026… well, who really knows what’s coming?I’ll be sharing my own take—and making a few predictions—in an upcoming episode. What’s hard to ignore is just how unusual this moment in history is. We’re coming off COVID. We went through a rapid rise in interest rates, and now a pullback. Tariffs are back in the conversation. There are a lot of moving parts, and as usual, the consensus hasn’t

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40:47

538: Is Gold Still a Buy?

Wealth Formula by Buck Joffrey ·

2025/12/23

For years, gold was the asset nobody wanted to talk about. It sat there quietly while stocks and real estate continued to rip. Gold was for pessimists. For doomsayers and perma-bears.And then suddenly… gold didn’t just wake up. It launched.As of mid-December 2025, spot gold is trading around $4,300–$4,400 an ounce, depending on the market, marking a gain of roughly 60% over the past year and pushing decisively into record territory. The obvious question is: why now? The short answer is that gold

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35:08

537: Markets Do Not Behave Like Saber-Toothed Tigers

Wealth Formula by Buck Joffrey ·

2025/12/15

You know, the longer I’ve been an investor, the more I realize this simple truth: the biggest threat to your wealth isn’t the market… it’s your own brain. We’re all wired the same way—with instincts that were fantastic for avoiding saber-toothed tigers but are absolutely terrible for making good financial decisions. Take something simple like a marathon. If I asked you to predict next year’s top finishers, you’d look at last year’s results. That works. Human performance doesn’t flip upside down in

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42:37

536: Should You Own a Home?

Wealth Formula by Buck Joffrey ·

2025/12/07

Homeownership has been baked into the American Dream for nearly a century. Politicians, parents, and banks all tell you the same thing: “Buy a house as soon as you can. It’s your biggest asset.”But as a real estate guy who actually understands how wealth is created… I’m not convinced it makes sense for everyone—especially early in your career. Let me explain. Say you finally start making some real money—maybe you’re a doctor fresh out of residency. The cultural script kicks in immediately: Buy a

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50:41

535: Apartment Buildings Are Having a Holiday Type Sale

Wealth Formula by Buck Joffrey ·

2025/11/30

It’s that time of the year again—Black Friday, Cyber Monday. Everyone loves a deal. If you’ve been investing long enough, you know one important fact: there is always something on sale. The problem is the herd never sees it. They’re too busy chasing whatever feels safe because it’s setting new records. And right now? That’s the stock market. That’s gold. Everyone’s piling into the most expensive things they can find and patting themselves on the back for being “prudent.” But smart investors don’t

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52:01

534: The Economics of Professional Sports

Wealth Formula by Buck Joffrey ·

2025/11/23

This week’s Wealth Formula Podcast is about the economics of sports—if you are a sports fan like me, you will love it. But before we get to that, I want to give you my two cents on one of the most important elements to financial success in anything: conviction. As I write this, Bitcoin sold off from a high of $126K to under $90K. Other cryptos have lost 50-90 percent of their value in the same time. It’s been called a blood bath. Some are even saying it’s over for Bitcoin. I might even believe

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36:17

533: What’s Really Going On in Real Estate Right Now...

Wealth Formula by Buck Joffrey ·

2025/11/16

When you invest in real estate, you’re not buying what it is today—you’re buying what it will become a few years from now. That’s especially true in multifamily, which, despite all the noise, remains one of the most compelling long-term plays out there. Unlike stocks, you don’t get a live ticker reminding you every five seconds what your property is “worth.” And that’s a good thing. Real estate moves slowly, and that patience rewards people who can see the story before it unfolds. The

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37:36

532: Pejman Ghadimi – A New Paradigm for Buying Nice...

Wealth Formula by Buck Joffrey ·

2025/11/09

A few years back, I bought some very expensive sports coats. I wore them at first and enjoyed them. But over time, they kind of lost their luster. As I have found often to be the case in my life, I don’t tend to care that much about fancy stuff—fancy jackets, fancy shoes. My true self regresses to a fairly simple jeans and flannel circa 1992 style—not expensive. Realizing that these fancy clothes were just rotting in my closet, I recently sold them on a well-known second-hand site with only

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45:47

531: How to Identify a Good Real Estate Deal

Wealth Formula by Buck Joffrey ·

2025/11/02

I grew up with a very different perspective on personal finance and investing than most. My parents were immigrants, and when they arrived in this country, they didn’t come with any preconceived notions of conventional financial wisdom.My father grew up dirt poor in India—that’s really poor and he had never even heard of investing as a kid. But he was blessed with a tremendous intellect and used it to rise from nothing to truly live the American dream. He came to the U.S. in the 1960s on an

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39:07

530: A Tax Attorney Talks Tax Mitigation with Buck

Wealth Formula by Buck Joffrey ·

2025/10/26

This week’s Wealth Formula Podcast features an interview with a tax attorney. While I’m not a tax professional myself, I want to drill down on something we touched on briefly that is incredibly relevant to many of you: the so-called short-term rental loophole. If I were a high-earning W-2 wage earner, this would be at the top of my list to implement—and I know many of you are already doing it. The short-term rental loophole is one of those quirks in the tax code that most people don’t even know

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49:53

529: How to Get Yield from Bitcoin Safely

Wealth Formula by Buck Joffrey ·

2025/10/19

Bitcoin is definitely volatile. If you told me it was going to go down by 50 percent next year, I would hesitantly believe you. However, there is no way you can convince me that Bitcoin will not hit $500,000 at some point within the next five years. Think about what’s happening: ETFs are everywhere, treasury companies are holding Bitcoin, there are rumors of central banks buying it, and even an American Bitcoin reserve. It is an asset that will go up. But it may go down before that, and that

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25:00

No-Brainer Strategy to Start TODAY: Why Wealth...

Wealth Formula by Buck Joffrey ·

2025/10/14

It’s been a while since I’ve talked about Wealth Formula Banking in detail, and I know we have a lot of new listeners who may not have heard about it yet. So today, I want to share a webinar that explains why I think this strategy is such a no-brainer.First off—what is Wealth Formula Banking? You may have heard of something called “infinite banking.” It’s a similar concept, but instead of focusing on paying your bills, Wealth Formula Banking is specifically designed to amplify your

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46:25

528: Investing Is More Like Poker Than Chess

Wealth Formula by Buck Joffrey ·

2025/10/12

Most people picture investing as a game of chess. Everything is visible on the board, the rules are clear, and if you’re sharp enough, you can see ten moves ahead. But markets don’t work like that. They shift in real time—rates change, policies flip, black swan events crash the party. That’s why I think investing looks a lot more like poker. In poker, you never know all the cards. You play with incomplete information, and even the best players lose hands. What separates them isn’t luck—it’s

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33:10

527: Is Franchising Right for You?

Wealth Formula by Buck Joffrey ·

2025/10/05

If you look at the wealthiest people in the world, they almost always get there through business ownership or real estate. The only real exceptions are athletes and entertainers—and let’s be honest, that’s not a realistic path for most of us.We talk about real estate a lot here and through deal flow in our investor club. But today I want to focus more on business ownership. One way in is to start a business from scratch. I’ve done that a few times—sometimes it worked out really well, other

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39:41

526: The Wealth Ladder

Wealth Formula by Buck Joffrey ·

2025/09/28

If there’s one thing that separates the truly wealthy from everyone else, it’s their relationship with risk. Not blind risk. I’m talking about conviction — the ability to see an opportunity before everyone else does, to lean into it while others are frozen, and to hold through the storm until the payoff is undeniable. The extreme example is Bitcoin. In 2012, when it was trading for less than the price of a cup of coffee, most people laughed it off as internet monopoly money. But a handful of

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48:24

524: Is Trump’s Takeover of the Fed a Good Thing?

Wealth Formula by Buck Joffrey ·

2025/09/21

Something big is happening in Washington right now, and it has the potential to reshape everything you and I do as investors.A few weeks ago, the Trump administration attempted to remove Fed Governor Lisa Cook, only to have an appeals court block the move on legal grounds. At almost the same time, Stephen Miran—one of Trump’s economic advisers—was confirmed by the Senate to the Fed’s Board of Governors by a razor-thin margin. On one side, an attempted subtraction. On the other, a

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39:56

524: Buying Art and Nice Stuff as an Investment

Wealth Formula by Buck Joffrey ·

2025/09/14

When we think about investing, our minds usually go straight to stocks, bonds, and real estate. But some of the best opportunities come when you stop thinking of investing as something separate from your everyday life.What do I mean by this? A lot of the things we buy are treated as expenses when they could be investments. You might wear a watch or jewelry simply because you like them, but you avoid spending too much because it feels frivolous. Yet what’s better—paying $250 for a decent

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37:20

523: The Real Driver of Prosperity: Population Growth

Wealth Formula by Buck Joffrey ·

2025/09/07

We all know technology and geopolitics shape the world, but there’s a quieter, less obvious force that dictates the flow of wealth and opportunity: demographics. Where people live, where they move, and how populations grow or shrink — these are the currents that ultimately drive economic gravity. That’s why all of the multifamily investments you see through Investor Club focus on areas where there is job creation. Where there is job creation, there is population growth, and people have to live

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37:54

522: What is a Dynasty Trust?

Wealth Formula by Buck Joffrey ·

2025/08/31

One of the realities of building wealth is that the more you have, the more you have to lose. Asset protection and estate planning aren’t just legal technicalities—they’re essential parts of safeguarding everything you’ve worked for. The worst time to plan is when you actually need it. If you wait until you’re facing a lawsuit, a creditor, or a sudden death in the family, it’s already too late. Think of asset protection like insurance. Most of us wouldn’t drive without auto insurance or own a

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26:22

521: How to Buy Stock in Companies Before They Go Public

Wealth Formula by Buck Joffrey ·

2025/08/24

I’m not a big stock guy. However, there are some companies out there that you know are just going to change the world, and it would be nice to be able to own part of them—especially before they go public.That’s why this week on Wealth Formula Podcast we’re diving into a topic that’s been on my mind for quite some time: the world of pre-IPO investing. If you’ve ever felt like by the time a company finally hits the public market it’s already ballooned in value and you’re basically buying in at

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