Rich Habits Podcast
By Austin Hankwitz and Robert Croak
Join Robert Croak and Austin Hankwitz every Monday, Thursday, and Friday as they demystify the financial habits of the rich, share their own mistakes and shortcomings, and lay out the blueprint for you to succeed with money.
Robert is a decamillionaire with 30+ years of business experience and $200M+ of company exits under his belt, while Austin is an entrepreneur in his 20s eager to learn.
Labubu Dolls, Record-High Corporate Bankruptcies, & Chamath's $250M SPAC
In this week's episode of the Rich Habits Radar, Robert Croak and Austin Hankwitz talk about Pop Mart's profits soaring +400% thanks to Labubu dolls, corporate bankruptcies hitting a 5-year high, and Chamath's new $250M SPAC focused on "American Exceptionalism."
---
✅ Ready to start investing? Open a brokerage account on Public.com/richhabits and get a FREE 1% match on all IRA deposits, transfers, and rollovers!
---
‼️ Have feedback to share? Please let us a comment on Spotify! We're excited to mold these new weekly episodes to be exactly what our listeners want.
---
🚀 Join 680+ fellow podcast listeners inside the Rich Habits Network! Unlock 8 hours of video course work, ask us questions directly, participating in exclusive weekly livestreams, and invest alongside us in pre-IPO deals. Click here!
---
⚡️ Sign up for the Rich Habits Newsletter and never miss a market-moving headline again, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
📬 Inquire about working together – christian@witz.vc
Q&A: Separating From Active Duty, Buying Airbnbs To Lower My Taxes, & Living With My Girlfriend
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!
---
🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that, click here!
---
✅ Learn more about Airbnb Investor Academy, click here!
---
🏠 Download the Rich Habits Real Estate Hacks, click here!
---
💰 Download the 2025 Wealth-Building Workbook, click here!
---
🚀 Join 680+ other podcast listeners inside of the Rich Habits Network and invest alongside Robert and Austin, click here!
---
⚡️ Sign up for the Rich Habits Newsletter and never miss a market-moving headline again, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 8/21/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
131: How to 70X Your Money
In this week’s episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share with you how to 70X, 26X, and 10X your money over time.
Remember, investing doesn’t mean you’re taking thousands of dollars at once and putting it in the markets – but sometimes $5 or $10. When you have compound interest on your side, investing any amount of money moves the needle over time.
You can find this money in your weekend spending, your car payment, or even your monthly mortgage. Have a plan, stick to it, and stay consistent!
—
🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that, click here!
---
🎨 Skip the waitlist and invest in blue-chip art for the very first time by signing up for Masterworks: https://www.masterworks.art/richhabits.
Invest in shares in great masterpieces from artists like Pablo Picasso, Banksy, Warhol, and more.
🏠 Download the Rich Habits Real Estate Hacks, click here!
---
💰 Download the 2025 Wealth-Building Workbook, click here!
---
🚀 Join 680+ other podcast listeners inside of the Rich Habits Network and invest alongside Robert and Austin, click here!
---
⚡️ Sign up for the Rich Habits Newsletter and never miss a market-moving headline again, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 8/17/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
For further disclosure on Regulation A Offerings, Risks of Investing, Performance Metrics, Art Market Data, and more visit the offering documents filed with the SEC and Important Disclosures at https://www.masterworks.com/cd.
Crypto Treasuries, Amazon's Same-Day Grocery Delivery & Chinese Chip Sales
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz walk through the rise of crypto treasury companies, the US government's 15% revenue share on China-specific chip revenue from Nvidia and Advanced Micro Devices, and Amazon's new same-day grocery delivery rollout.
---
💳 Earn 10% cash back on your first $500 spent with Zena! Don't wait, if you're earning money outside of your W-2 need a Zena card. Click here to learn more!
---
‼️ Have feedback to share? Please let us a comment on Spotify! We're excited to mold these new weekly episodes to be exactly what our listeners want.
---
🚀 Join 680+ fellow podcast listeners inside the Rich Habits Network! Unlock 8 hours of video course work, ask us questions directly, participating in exclusive weekly livestreams, and invest alongside us in pre-IPO deals. Click here!
---
⚡️ Sign up for the Rich Habits Newsletter and never miss a market-moving headline again, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
📬 Inquire about working together – christian@witz.vc
---
Disclaimer: This is not financial advice or a recommendation for any investment. The content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice. Creative Direct Marketing Group (CDMG) Inc. paid to have news shared about CEA Industries becoming the largest corporate holder of BNB. This is not financial advice and provides no guarantee of future returns
Q&A: High-Paying Job vs. PSLF, Aging Parents, & House-Hacking Too Soon?
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!
---
🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that, click here!
---
🏥 Learn more about Long-Term Care Insurance from Suriance, click here!
---
🏠 Download the Rich Habits Real Estate Hacks, click here!
---
💰 Download the 2025 Wealth-Building Workbook, click here!
---
🚀 Join 680+ other podcast listeners inside of the Rich Habits Network and invest alongside Robert and Austin, click here!
---
⚡️ Sign up for the Rich Habits Newsletter and never miss a market-moving headline again, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 8/14/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
130: How To Overcome Your Emotions During Volatility
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their three personal strategies for overcoming their own emotions during times of market volatility.
---
🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that, click here!
---
🏠 Download the Rich Habits Real Estate Hacks, click here!
---
💰 Download the 2025 Wealth-Building Workbook, click here!
---
🚀 Join 680+ other podcast listeners inside of the Rich Habits Network and invest alongside Robert and Austin, click here!
---
⚡️ Sign up for the Rich Habits Newsletter and never miss a market-moving headline again, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 8/11/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
Apple's $600B Investment, Crypto in Your 401(k), & Disney's Deal with the NFL
In this week's episode of the Rich Habits Radar, Robert Croak and Austin Hankwitz walk through Apple's $600B investment in the United States, Trump's EO that allows 401(k) issuers to include crypto and private equity in your retirement accounts, and ESPN's deal with the NFL.
---
💳 Earn 10% cash back on your first $500 spent with Zena! Don't wait, if you're earning money outside of your W-2 need a Zena card. Click here to learn more!
---
‼️ Have feedback to share? Please let us a comment on Spotify! We're excited to mold these new weekly episodes to be exactly what our listeners want.
---
🚀 Join 680+ fellow podcast listeners inside the Rich Habits Network! Unlock 8 hours of video course work, ask us questions directly, participating in exclusive weekly livestreams, and invest alongside us in pre-IPO deals. Click here!
---
⚡️ Sign up for the Rich Habits Newsletter and never miss a market-moving headline again, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
📬 Inquire about working together – christian@witz.vc
Q&A: $4M in SpaceX Stock, Buying an Airbnb with Family, & Losing $70K from Annuities
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!
---
🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that, click here!
---
🏠 Download the Rich Habits Real Estate Hacks, click here!
---
💰 Download the 2025 Wealth-Building Workbook, click here!
---
🚀 Join 680+ other podcast listeners inside of the Rich Habits Network and invest alongside Robert and Austin, click here!
---
⚡️ Sign up for the Rich Habits Newsletter and never miss a market-moving headline again, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 8/6/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
129: Exiting PayPal ($1.5B) and LinkedIn ($26.2B) w/ Reid Hoffman
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz sit down with Reid Hoffman.
Reid was part of the "PayPal Mafia" from back in the late-90s. He sold PayPal to eBay for $1.5 billion in 2002. A few months later, Reid co-founded LinkedIn. Microsoft acquired LinkedIn for $26B in 2016.
This interview was special. Reid is an incredible bright, kind, and thoughtful human being. We're so grateful to have been able to host him on the show!
---
📚 Reid's book, The Startup of You, can be found on Amazon. Click here to learn more about it!
---
🚀 Get a 1% bonus when you transfer your old portfolio to Public! IRA, 401(k), or any other portfolio. Transfer it to Public to get a 1% bonus, click here!
---
🤝 Follow Robert and Austin's portfolios on Blossom! As well as learn from other like-minded investors. Click here!
---
🏠 Download the Rich Habits Real Estate Hacks, click here!
---
💰 Download the 2025 Wealth-Building Workbook, click here!
---
🚀 Join 670+ other podcast listeners inside of the Rich Habits Network and invest alongside Robert and Austin, click here!
---
⚡️ Sign up for the Rich Habits Newsletter and never miss a market-moving headline again, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 8/4/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
---
Meta & Microsoft's $150B Shopping Spree, The Fed's Dot Plot, and Tunnels Under Nashville
In this week's episode of the Rich Habits Radar, Robert Croak and Austin Hankwitz walk you through Meta and Microsoft's $150B CapEx guidance, what drove a +3% Q2 GDP result, and the Fed's expectations for interest rates through the rest of the year.
---
💳 Start spending smarter with Zena, the AI business card that helps you bucket your spending. Get 10% cash back on your first $500 spent by visiting Zena.com/RichHabits
---
‼️ Have feedback to share? Please let us a comment on Spotify! We're excited to mold these new weekly episodes to be exactly what our listeners want.
---
🚀 Join 680+ fellow podcast listeners inside the Rich Habits Network! Unlock 8 hours of video course work, ask us questions directly, participating in exclusive weekly livestreams, and invest alongside us in pre-IPO deals. Click here!
---
⚡️ Sign up for the Rich Habits Newsletter and never miss a market-moving headline again, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
📬 Inquire about working together – christian@witz.vc
Q&A: YieldMax ETFs, When To Invest For Your Children, & A Special Guest!
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions, joined by our special guest Zaid Admani!
Zaid is the host of the Rundown podcast by Public -- we highly recommend tuning into that show on a weekly basis as well.
---
🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that, click here!
---
🏠 Download the Rich Habits Real Estate Hacks, click here!
---
💰 Download the 2025 Wealth-Building Workbook, click here!
---
🚀 Join 680+ other podcast listeners inside of the Rich Habits Network and invest alongside Robert and Austin, click here!
---
⚡️ Sign up for the Rich Habits Newsletter and never miss a market-moving headline again, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 7/31/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
128: How to Build a 9-Figure Brand
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share Robert's framework for building successful online brands.
This is the exact same framework he used to build SillyBandz into a $200M+ online brand in the early-2010s.
---
🎨 Skip the waitlist and invest in blue-chip art for the very first time by signing up for Masterworks: https://www.masterworks.art/richhabits
Invest in shares in great masterpieces from artists like Pablo Picasso, Banksy, Warhol, and more.
---
🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that, click here!
---
💥 See what Robert is personally invested into using Blossom, a social investing app! Click here.
---
🏠 Download the Rich Habits Real Estate Hacks, click here!
---
💰 Download the 2025 Wealth-Building Workbook, click here!
---
🚀 Join 670+ other podcast listeners inside of the Rich Habits Network and invest alongside Robert and Austin, click here!
---
⚡️ Sign up for the Rich Habits Newsletter and never miss a market-moving headline again, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 7/28/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
---
For further disclosure on Regulation A Offerings, Risks of Investing, Performance Metrics, Art Market Data, and more visit the offering documents filed with the SEC and Important Disclosures at https://www.masterworks.com/cd.
Q&A: Hedging Against the “September Slump,” LTC Insurance, & Taxes on Worldwide Income
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!
---
🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that, click here!
---
🤝 Check out our friends over at Suriance for all of your long-term health care needs, click here!
---
🏠 Download the Rich Habits Real Estate Hacks, click here!
---
💰 Download the 2025 Wealth-Building Workbook, click here!
---
🚀 Join 675+ other podcast listeners inside of the Rich Habits Network and invest alongside Robert and Austin, click here!
---
⚡️ Sign up for the Rich Habits Newsletter and never miss a market-moving headline again, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 7/24/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
127: How to Pay Less in Taxes w/ Karlton Dennis
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz sit down with Karlton Dennis to learn more about tax-saving strategies.
The strategies shared by Karlton Dennis is this episode can be applied no matter how much you make, as everyone's personal finance situation is different.
They also discuss a handful of the most consequential tax code updates from the One Big Beautiful Bill passed on July 4, 2025.
---
💰 Earn 1% on all IRA contributions and 401(k) rollovers on Public! That's $1,000 in free money for every $100,000 you rollover. Click here!
---
⚡️ Check out what Robert and Austin are investing in on Blossom! Sign up today, and give their new desktop version a try. Click here!
---
‼️ Join 670+ podcast listeners inside of the Rich Habits Network! Unlock exclusive access to Robert and Austin via weekly Zoom calls, participate in private investment opportunities, and review over 6+ hours of video course work.
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 7/21/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
Q&A: When To Talk About Money While Dating, Driving Uber Full-Time, & Pensions
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!
They talk about relying on pensions during retirement, investing throughout college, mortgages in Australia, accessing investments before 59.5 years of age, when it's appropriate to begin talking about money with your partner, saving for a down payment for a new duplex, and driving Uber full-time to fund an IUL.
---
👀 Sign up for the Rich Habits Newsletter and join 52K+ like minded investors in receiving weekly market updates, click here!
---
🏠 Download the Rich Habits Real Estate Hacks, click here!
---
🔥 Trial the Rich Habits Network for 7 days completely for free and see why 670+ other podcast listeners love the community we've built, click here!
---
💰 Sign up for Public and take advantage of their up to $10,000 bonus when you transfer an existing portfolio to their platform, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 7/17/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
126: The 5 Types of Wealth w/ Sahil Bloom
Please enjoy a flashback to one of your favorite Rich Habits Podcast episodes! We're excited to get back to making new content for you this week!
---
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz sit down with Sahil Bloom to learn more about his framework for building wealth in our everyday lives.
---
Download our FREE Financial Planning Workbook for 2025!
---
⭐️ Open a Bond Account on Public to lock in your 6% or higher yield today, Click Here!
---
🚀 Sign up for the Rich Habits Network so you don't miss out on the next big investment opportunity, click here!
---
🔥 Check out what Robert and Austin are personally invested into on Blossom!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 7/13/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
Q&A: Preparing for a Recession, Invest $37K or Pay Off the Car, & Active Portfolio Management
Thank you for your patience as I navigate this incredibly difficult time in my life. I'm grateful to have the opportunity to record weekly podcast episodes for you all, and I plan to jump back on the saddle as soon as I can.
---
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!
---
Sign up for the Rich Habits Newsletter and join 52K+ like minded investors in receiving weekly market updates, click here!
---
🏠 Download the Rich Habits Real Estate Hacks, click here!
---
🔥 Trial the Rich Habits Network for 7 days completely for free and see why 650+ other podcast listeners love the community we've built, click here!
---
💰 Sign up for Public and take advantage of their up to $10,000 bonus when you transfer an existing portfolio to their platform, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 7/9/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
125: The Habits That Made Our First $1M
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their favorite three habits they depended on when building their first $1M in net worth.
---
🚨 Join the Rich Habits Network and invest alongside us! We've participated in six opportunities year-to-date, with more to come.
https://www.skool.com/richhabitsnetwork/about
---
💰 Sign up for Public and begin building a multi-asset portfolio. Use a platform with AI woven into the entire experience.
---
🤩 Want to see our investment portfolios? Follow us on Blossom, the social investing app! Click here.
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 7/7/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
Q&A: Investing During Times of War, Vanguard's Drawbacks, & Buying a House at 62
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!
---
🔥 If you're serious about investing in 2025, you should be using Public to build your portfolio! No matter the asset class, Public has you covered.
Click here to start investing on Public!
---
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Get a $35 bonus when you start saving & investing with Acorns – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 7/1/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
124: Our 2025 Mid-Year Update + Bonus Predictions
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz reflect upon their 2025 market predictions as well as share some bonus predictions as we turn the corner into the second-half of the year.
Additionally, they announced the launch of a new weekly episode starting Friday, August 1st!
Be sure to tune in every Friday, starting August 1st, to the Rich Habits Radar -- your go-to weekly summary of the most consequential, market moving headlines and happenings!
---
⚡️ Sign up for the Rich Habits Network and don't miss out on our 2-hour weekly livestreams! Click here: https://www.skool.com/richhabitsnetwork/about
---
🔥 Skip the waitlist and invest in blue-chip art for the very first time by signing up for Masterworks: https://www.masterworks.art/richhabits
Invest in shares in great masterpieces from artists like Pablo Picasso, Banksy, Warhol, and more!
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc---
Disclosures: Masterworks affiliated issuers have now conducted more than 420 offerings of securities, representing over $1.02 billion in Art Investments, as of June 30, 2024.
See important Masterworks disclosures: https://masterworks.com/cd
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 6/30/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
Q&A: Buying Our First Business, Cash Flowing a Triplex, & Teaching Crypto to Kids...?
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!
---
⚡️ Sign up for a 7-day FREE trial of the Rich Habits Network, click here! Don't miss out on our weekly livestreams.
---
🔥 Subscribe to our FREE weekly newsletter. Every Thursday we send the most important market updates straight to your inbox. Click here!
---
💰 Ready to turbo charge your investing? Sign up for Public and receive a 1% match on all IRA contributions. Click here!
---
🏠 Download the Rich Habits Real Estate Hacks, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 6/19/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
123: How Rich People Buy Back Their Time
In this week's episode of the Rich Habits Podcast Robert Croak and Austin Hankwitz share four strategies rich people use to buy back their time.
---
🎨 Skip the waitlist and invest in blue-chip art for the very first time by signing up for Masterworks: https://www.masterworks.art/richhabits.
Invest in shares in great masterpieces from artists like Pablo Picasso, Banksy, Warhol, and more.
---
💰 Invest in almost anything on Public! Stock, bonds, options, crypto, and more. Open an account with Public and start earning that portfolio income!
---
⭐️ Download the Rich Habits Real Estate Hacks, click here!
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
For further disclosure on Regulation A Offerings, Risks of Investing, Performance Metrics, Art Market Data, and more visit the offering documents filed with the SEC and Important Disclosures at https://www.masterworks.com/cd.
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 6/22/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
Q&A: Land Contracts, Cashing Out Retirement for Bitcoin, & $500K in QQQI
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!
---
⚡️ Sign up for a 7-day FREE trial of the Rich Habits Network, click here! Don't miss out on our weekly livestreams.
---
🔥 Subscribe to our FREE weekly newsletter. Every Thursday we send the most important market updates straight to your inbox. Click here!
---
💰 Ready to turbo charge your investing? Sign up for Public and receive a 1% match on all IRA contributions. Click here!
---
🏠 Download the Rich Habits Real Estate Hacks, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 6/19/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
122: How to Build Wealth Without Obsessing Over Money
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share five quick, but action tips, as how to build wealth without obsessing over money.
Many people falsely believe millionaire status is only achieved by people who have an "edge," or are considered a "money genius." This couldn't be further from the truth. This episode lays out a quick five step blueprint as how to reach millionaire status without money becoming your identity.
---
⚡️ Sign up for a 7-day FREE trial of the Rich Habits Network, click here! Don't miss out on our weekly livestreams.
---
🔥 Subscribe to our FREE weekly newsletter. Every Thursday we send the most important market updates straight to your inbox. Click here!
---
💰 Ready to turbo charge your investing? Sign up for Public and receive a 1% match on all IRA contributions. Click here!
---
👀 Want to see what's inside Robert and Austin's portfolios? Join us on Blossom! Click here.
---
🏠 Download the Rich Habits Real Estate Hacks, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 6/12/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
Q&A: Secular Growth Trends, Trading Options, & Rebalancing for Retirement
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!
---
⚡️ Sign up for a 7-day FREE trial of the Rich Habits Network, click here! Don't miss out on our weekly livestreams.
---
🔥 Subscribe to our FREE weekly newsletter. Every Thursday we send the most important market updates straight to your inbox. Click here!
---
💰 Ready to turbo charge your investing? Sign up for Public and receive a 1% match on all IRA contributions. Click here!
---
🏠 Download the Rich Habits Real Estate Hacks, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 6/12/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
121: Why Americans Are Losing Trust in the Stock Market w/ Caleb Silver
In this week's episode of the Rich Habits Podcast, we're joined by Investopedia's Editor in Chief Caleb Silver!
After starting his career at Bloomberg during the Dot Com Bubble, he became the Executive Producer at CNN Money and then the company's Director of Business News.
Today, he's the Editor in Chief at Investopedia -- the world's largest personal finance and investing education platform.
Click here to check out Caleb Silver's Instagram, X, and Investopedia's Instagram, X, and Investopedia Express podcast!
Major shoutout to Caleb for joining us! We hope the first-hand data he presented during the episode was insightful.
---
👀 Sign up for the Rich Habits Newsletter and join 52K+ like minded investors in receiving weekly market updates, click here!
---
🏠 Download the Rich Habits Real Estate Hacks, click here!
---
🔥 Trial the Rich Habits Network for 7 days completely for free and see why 650+ other podcast listeners love the community we've built, click here!
---
💰 Sign up for Public and take advantage of their up to $10,000 bonus when you transfer an existing portfolio to their platform, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 6/9/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
Q&A: How to Take Profits, Investing My Monthly Escrow, & Cashing Out Whole Life Insurance
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!
---
Sign up for the Rich Habits Newsletter and join 52K+ like minded investors in receiving weekly market updates, click here!
---
🏠 Download the Rich Habits Real Estate Hacks, click here!
---
🔥 Trial the Rich Habits Network for 7 days completely for free and see why 650+ other podcast listeners love the community we've built, click here!
---
💰 Sign up for Public and take advantage of their up to $10,000 bonus when you transfer an existing portfolio to their platform, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 6/5/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
120: How To Hedge Against Market Volatility in 2025
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their three favorite strategies to hedge against volatility in 2025.
For the first few minutes of the episode, we're joined by Stephen Sikes, the Chief Operating Office of Public, to get an inside scoop as to how their millions of users are also hedging against volatility!
---
👀 Ready to take your wealth-building journey to the next level? Join the Rich Habits Network and unlock private investment opportunities, 8-hours of video course work, and weekly Zoom calls with us! Click here!
---
🔥 Ready to start earning a 1% match on your Roth IRA? Contribute toward your account on Public, and earn a 1% match on all contributions! Click here!
---
🤝 Connect with likeminded investors on Blossom! No matter your investing style, there's a community for you on Blossom. Click here to get started!
---
🏠 Download the Rich Habits Real Estate Hacks, click here!
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 6/2/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
Q&A: Living at Home at 29, Tax-Deferred Annuities, & Amazon RSUs
In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!
---
🗞 Sign up for the Rich Habits Newsletter and join 59K+ like minded investors in receiving weekly market updates, click here!
---
🏠 Download the Rich Habits Real Estate Hacks, click here!
---
⚡️ Trial the Rich Habits Network for 7 days completely for free and see why 650+ other podcast listeners love the community we've built, click here!
---
🚨 Sign up for Public and take advantage of their up to $10,000 bonus when you transfer an existing portfolio to their platform, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 5/29/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
119: What Your Financial Advisor Won’t Tell You
Check out Sammi's new podcast Social Currency on Spotify, click here!
---
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz uncover the secrets of Financial Advisors, specifically, what they don't tell you!
---
🎨 Skip the waitlist and invest in blue-chip art for the very first time by signing up for Masterworks: https://www.masterworks.art/richhabits
Invest in shares in great masterpieces from artists like Pablo Picasso, Banksy, Warhol, and more.
---
🔥 Ready to start earning a 1% match on your Roth IRA? Get started today with Public, click here!
---
🚀 Sign up for the Rich Habits Network so you don't miss out on the next big investment opportunity, click here!
---
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 12/19/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
Content creator (the “Endorser”) receives cash compensation from Masterworks, LLC (“Masterworks”). Endorser is not a client of Masterworks.
Invest in shares in great masterpieces from artists like Pablo Picasso, Banksy, Warhol, and more.
For further disclosure on Regulation A Offerings, Risks of Investing, Performance Metrics, Art Market Data, and more visit the offering documents filed with the SEC and Important Disclosures at masterworks.com/cd.
Q&A: Patenting an Invention, Agency Bonds, & Raising Children as a Millionaire
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!
---
👉 Sign up for the Rich Habits Newsletter and join 52K+ like minded investors in receiving weekly market updates, click here!
---
🏠 Download the Rich Habits Real Estate Hacks, click here!
---
🔥 Trial the Rich Habits Network for 7 days completely for free and see why 650+ other podcast listeners love the community we've built, click here!
---
💥 Sign up for Public and take advantage of their up to $10,000 bonus when you transfer an existing portfolio to their platform, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 5/22/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
118: Turning a College Side Hustle into $75M w/ Alex Lieberman
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz interview Alex Lieberman. During this jam-packed conversation, we learn more about Alex's journey building Morning Brew from a college dorm room side hustle into a $75M exit.
Alex also gives us a clue into what he's betting on now in 2025.
We know this is audio-only, unfortunately we had some recording issues. Stay tuned for Thursday's video episode! Thank you for your flexibility.
---
👉 Sign up for the Rich Habits Newsletter and join 52K+ like minded investors in receiving weekly market updates, click here!
---
🏠 Download the Rich Habits Real Estate Hacks, click here!
---
🤩 Trial the Rich Habits Network for 7 days completely for free and see why 600+ other podcast listeners love the community we've built, click here!
---
🔥 Sign up for Public and take advantage of their up to $10,000 bonus when you transfer an existing portfolio to their platform, click here!
---
🚀 Join Robert and Austin on Blossom to see what they're invested into! Click here.
---
💥 NEOS Funds optimize for tax-efficient monthly income. Something you're interested in? Check them out!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 5/19/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
Q&A: Multi-Level Marketing Schemes, Turn-Key Real Estate Investing & High-Interest Student Loans
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!
---
💰 Sign up for the Rich Habits Newsletter and join 52K+ like minded investors in receiving weekly market updates, click here!
---
🏠 Download the Rich Habits Real Estate Hacks, click here!
---
⚡️ Trial the Rich Habits Network for 7 days completely for free and see why 600+ other podcast listeners love the community we've built, click here!
---
🤩 Sign up for Public and take advantage of their up to $10,000 bonus when you transfer an existing portfolio to their platform, click here!
---
💳 Consider using SparrowFi as a solution to refinance your high-interest student loan debt, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 5/15/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
117: Financial Freedom by Fall — This Summer’s Rich Habits
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their "summer rich habits" to ensure you're on track to reach financial freedom by fall.
---
🔥 Sign up for the Rich Habits Newsletter and join 52K+ like-minded investors in receiving weekly market updates, click here!
---
👉 Trial the Rich Habits Network for 7 days completely for free and see why 600+ other podcast listeners love the community we've built, click here!
---
💰 Sign up for Public and take advantage of their up to $10,000 bonus when you transfer an existing portfolio to their platform, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 5/12/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
Q&A: Vacation Rental Co-Ownership, Selling a Biz for $3.5M, & Retirement Contributions
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!
---
Sign up for the Rich Habits Newsletter and join 52K+ likeminded investors in receiving weekly market updates, click here!
---
Trial the Rich Habits Network for 7 days completely for free and see why 600+ other podcast listeners love the community we've built, click here!
---
Sign up for Public and take advantage of their up to $10,000 bonus when you transfer an existing portfolio to their platform, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 5/8/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
116: How to Retire Early (Seriously)
In this week's episode of the Rich Habits Podcast, Robert and Austin share the step by step blueprint on how anyone can retire early.
---
🔥 Every financial journey starts with one smart step and the right investing mindset.
If you're ready to start your FIRE journey, the FIRE ETFs were built from the ground up to support your path to financial independence.
Click here to learn more about the FIRE Funds!
---
Sign up for Public and take advantage of their up to $10,000 bonus when you transfer an existing portfolio to their platform, click here!
---
Analyze your portfolio and join over 250K+ investors on Blossom, click here!
---
🚀 Sign up for the Rich Habits Network so you don't miss out on the next big investment opportunity, click here!
—
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Investors should consider the investment objectives, risks, charges, and expenses of the ETF carefully before investing. For copies of our prospectus or summary prospectus, which contain this and other information, visit us online at www.fire-etfs.com or call (855) 514-2777. Please read the prospectus and/or summary prospectus carefully before investing.
Duration: Duration measures how long it takes, in years, for an investor to be repaid a bond’s price through its total cash flows.
Investing involves risk. Principal loss is possible.
Distributed by Foreside Fund Services, LLC.
Q&A: Leveraged ETFs, Losing Rental Property, & Our Bitcoin Exit Strategy
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz are joined by Zaid Admani from Public's The Rundown!
---
Sign up for the Rich Habits Newsletter and join 52K+ likeminded investors in receiving weekly market updates, click here!
---
Trial the Rich Habits Network for 7 days completely for free and see why 600+ other podcast listeners love the community we've built, click here!
---
Sign up for Public and take advantage of their up to $10,000 bonus when you transfer an existing portfolio to their platform, click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 4.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 5/1/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
115: How to Recession-Proof Your Wealth
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their four strategies for recession-proofing your wealth.
---
⚡️ Take advantage of our 7-day FREE Trial and join the Rich Habits Network today! No commitments. Click here!
---
💰 Still using an online broker from the 1900s? Time to upgrade to Public!
On Public, you can invest in almost anything: stocks, bonds, options, crypto, and more. Click here!
---
🎨 Skip the waitlist and invest in blue-chip art for the very first time by signing up for Masterworks: https://www.masterworks.art/richhabits.
Invest in shares in great masterpieces from artists like Pablo Picasso, Banksy, Warhol, and more.
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 4/27/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
---
For further disclosure on Regulation A Offerings, Risks of Investing, Performance Metrics, Art Market Data, and more visit the offering documents filed with the SEC and Important Disclosures at https://www.masterworks.com/cd.
Q&A: High-Risk Investing, Millionaires in Credit Card Debt, & Washing Your Crypto
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!
---
⭐️ Take advantage of our 7-Day FREE Trial of the Rich Habits Network and don't miss out on our next big investment! Click here!
---
👉 If you're looking for a broker built during this century, check out Public! Bonds, crypto, stocks, ETFs, options, and more. Click here!
---
👀 Check out the open roles at Stan Store! They're hiring the best of the best. Click here!
—
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 4/24/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
114: Swipe Smart; Using Credit Cards Without the Debt
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share the blueprint for swiping smart; using your credit cards without going into debt.
There's a handful of terms you must first understand if you plan to use credit cards wisely. In this episode, we cover all of them.
---
💳 Consider checking out a huge 100,000 point offer on one of our favorite travel rewards cards. This is one of the best offers of the year in our opinion! Click here to learn more.
---
🎨 Skip the waitlist and invest in blue-chip art for the very first time by signing up for Masterworks: https://www.masterworks.art/richhabits.
Invest in shares in great masterpieces from artists like Pablo Picasso, Banksy, Warhol, and more.
---
⚡️ Still looking for your online investing community? Blossom has you covered. Join Blossom to see Robert and I's personal portfolios!
Click here to sign up for Blossom!
---
💰 Perhaps it's time to add tax-efficient monthly income to your portfolio? Explore NEOS Investments, click here!
---
🔥 Not yet investing? Still looking for an online broker created this century? Public is your answer!
On Public, you can invest in almost everything. If you're looking to become a serious investor, check out Public by clicking here!
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 4/21/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
---
For further disclosure on Regulation A Offerings, Risks of Investing, Performance Metrics, Art Market Data, and more visit the offering documents filed with the SEC and Important Disclosures at https://www.masterworks.com/cd.
Q&A: Pre-IPO Investing, Real Numbers Behind House Hacking, & Tax Refunds
In this week's episode of the Rich Habits Podcast, Robert and Austin answer your questions!
---
🔥 If you're serious about investing in 2025, you should be using Public to build your portfolio! No matter the asset class, Public has you covered.
Click here to start investing on Public!
---
👀 Check out the open roles at Stan Store! They're hiring the best of the best. Click here!
---
🚀 Sign up for the Rich Habits Network so you don't miss out on the next big investment opportunity, click here!
—
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 4/17/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
113: The Man That Turned $20K into $60M
In this week's episode of the Rich Habits Podcast, we sit down with legendary investor Chris Camillo. Chris is most famously know for turning $20K into $60M over the last 18-years by implementing a trading strategy knows as social arbitrage investing.
Follow Chris Camillo on X by clicking here, or YouTube by clicking here!
---
💰 Sign up for a 7-day FREE trial of the Rich Habits Network and don't miss out on our next big investment opportunity! Click here.
---
👉 Public is built for seriously investors. Bonds, Stocks, ETFs, crypto, options, and more -- on Public you can investor in almost everything. Click here to sign up!
---
🎨 Skip the waitlist and invest in blue-chip art for the very first time by signing up for Masterworks: https://www.masterworks.art/richhabits
Invest in shares in great masterpieces from artists like Pablo Picasso, Banksy, Warhol, and more.
---
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Get a $35 bonus when you start saving & investing with Acorns – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosures: Masterworks affiliated issuers have now conducted more than 420 offerings of securities, representing over $1.02 billion in Art Investments, as of June 30, 2024.
See important Masterworks disclosures: https://masterworks.com/cd.
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 4/13/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
Q&A: Market Volatility, Raising Money from Investors, & Our Fav Credit Cards
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!
---
🚀 Sign up for the Rich Habits Network so you don't miss out on the next big investment opportunity, click here!
—
🔥 If you're serious about investing in 2025, you should be using Public to build your portfolio! No matter the asset class, Public has you covered.
Click here to start investing on Public!
—
💳 Check out a huge 100,000 point offer on one of our favorite travel rewards cards – one of the best offers of the year in our opinion! Click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 4/9/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
112: The Art of Staying Rich
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz demystify the "Art of Staying Rich."
---
⭐️ Trial the Rich Habits Network completely for free for 7 days, click here!
---
💰 It's time to take your investing seriously!
On Public, you can invest in just about everything. Transfer your old portfolio and earn up $10,000, click here!
---
🗣 Investing alone sucks. Find your community on Blossom, and social investing app with built-in education. Click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 4/7/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
Q&A: Paying Taxes on $4.5M, Broke Doctors, & FIRS + FIRI
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!
---
🚀 Sign up for the Rich Habits Network's 7-Day Free Trial! There are no commitments, click here!
—
🔥 If you're serious about investing in 2025, you should be using Public to build your portfolio! No matter the asset class, Public has you covered.
Click here to start investing on Public!
—
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 3/3/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
111: How to Build a Winning Stock Portfolio, Automatically w/ JJ Maxwell
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz sat down with JJ Maxwell, the CEO of Double Finance.
Double Finance was an online brokerage platform that allowed investors to build their own strategies from scratch using characteristic screeners. Only want to invest in companies who've been paying dividends for the last 10 years? Or maybe companies who've been free cash flow positive for the last 5 years?
Double Finance was a company allowing you to do just that. Sadly, Double didn’t gain enough users during their early days and had to shut down six months after this episode was recorded.
Regardless, we hope you all enjoy this conversation. We take pride in introducing you all to the coolest platforms, investing strategies, emerging technologies, and interesting ideas the market place has to offer. While Double Finance didn’t end up lasting, the premise behind this company is exactly what retail investors should be thinking about.
Here’s a link to the company’s wind-down letter, and we hope you still enjoy this conversation many months later!
---
🚀 Sign up for the Rich Habits Network so you don't miss out on the next big investment opportunity, click here!
—
🔥 If you're serious about investing in 2025, you should be using Public to build your portfolio! No matter the asset class, Public has you covered.
Click here to start investing on Public!
—
🎤 Join us virtually for the GRIT Money Summit – click here
—
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 3/3/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
Q&A: Assuming a 2.5% Mortgage, Stock Lending, & Buying vs Leasing
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!
---
👉 Click here to participate in a 7-Day FREE Trial of the Rich Habits Network! Don't like it? Simply cancel. No hard feelings!
---
⚡️ Vote for us to be awarded "Financial Creators of the Year" from Stocktwits! Click here.
---
💰 It's time you start using Public for your investing! Open a Bond Account on Public to begin earning a 6% or higher yield. Click here!
---
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 3/27/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
110: The Spending Trap: Escape the Psychology of Broke
In this week’s episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their perspectives on how to escape the three most common spending traps.
—
⭐️ Join us at the GRIT Money Summit in Toronto, Canada! Click here.
---
🚀 Sign up for the Rich Habits Network so you don't miss out on the next big investment opportunity, click here!
—
🔥 If you're serious about investing in 2025, you should be using Public to build your portfolio! No matter the asset class, Public has you covered.
Click here to start investing on Public!
—
🎨 Skip the waitlist and invest in blue-chip art for the very first time by signing up for Masterworks: https://www.masterworks.art/richhabits.
Invest in shares in great masterpieces from artists like Pablo Picasso, Banksy, Warhol, and more.
For further disclosure on Regulation A Offerings, Risks of Investing, Performance Metrics, Art Market Data, and more visit the offering documents filed with the SEC and Important Disclosures at https://www.masterworks.com/cd.
—
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 3/23/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
Q&A: Preparing for a Recession, Invest $37K or Pay Off the Car, & Active Portfolio Management
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!
---
⚡️ Register for the webinar taking place today! Click here.
---
📲 Join the Rich Habits Network with a 7-day free trial! If you don't like it, no hard feelings :) Click here!
---
🔥 If you're serious about investing in 2025, you should be using Public to build your portfolio! No matter the asset class, Public has you covered.
Click here to start investing on Public!
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 3/19/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
109: What I Wish I Was Taught In My 20s
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share 12 things they wish they were taught in their 20s.
---
🎥 Sign-up for our FREE Financial Independence Retire Early webinar (March 20th @ 4p ET), click here!
---
🎨 Skip the waitlist and invest in blue-chip art for the very first time by signing up for Masterworks: https://www.masterworks.art/richhabits.
---
💰 If you're serious about investing, look no further than Public! On Public, you can invest in everything ... stocks, crypto, bonds, options, and more.
Learn more at: https://public.com/richhabits
---
🚀 Want to see what Robert and Austin are personally investing into? Download the Blossom app! Click here: https://blossomsocialapp.page.link/richhabitspodcast
🚀 Sign up for the Rich Habits Network so you don't miss out on the next big investment opportunity, click here!
⭐ Download our FREE Financial Planner – click here
⭐ Download our FREE Budgeting Template – click here
⭐ Earn 5.1% on your savings with a High-Yield Cash Account – click here
⭐ Trade stocks, options, music royalties and crypto on Public – click here
⭐ Automatically buy stock where you shop with Grifin – click here
⭐ Protect your family with term life insurance from Suriance – click here
⭐ Use code “Spotify” for 15% off our 4-module video course – click here
⭐ Optimize your portfolio with Seeking Alpha – click here
---
👤 Explore everything Austin does – click here
👤 Explore everything Robert does – click here
❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
---
Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 3/17/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 7.2%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
---
For further disclosure on Regulation A Offerings, Risks of Investing, Performance Metrics, Art Market Data, and more visit the offering documents filed with the SEC and Important Disclosures at https://www.masterworks.com/cd.