In this timely episode, financial expert and #1 Amazon best-selling author John Browning teams up with mortgage strategist Eric Rosberg to break down the housing market's current state and tackle the age-old question: Should you buy or rent right now? You'll get expert perspectives on: ✅ The real story behind rising home prices and interest rates ✅ How to decide if renting or buying is right for your situation ✅ Smart strategies for leveraging home equity ✅ Tips for managing debt effectively in a volatile economy ✅ How real estate fits into a long-term wealth-building plan 🎙️ Whether you're a first-time buyer, a renter weighing options, or an investor looking for insight, this episode is packed with real-world advice you can use right now. Connect with Eric Rosberg: LinkedIn: https://www.linkedin.com/in/eric-rosberg-5298b6240/ Connect with John Browning: Substack: https://substack.com/@buildalifeyoulove LinkedIn: https://www.linkedin.com/in/johnbrowningfinancialsolutions/ John Browning YouTube Channel: https://www.youtube.com/@johnbrowning937/videos Nothing in this communication should be considered personal advice & past performance is no guarantee of future results. There is a risk of loss associated with investing. No representation or implication is made that any methodology or system will generate profits or ensure freedom from losses. Guardian Rock LLC and its affiliates are fiduciary investment advisors. Please consult with us before making investment decisions and/or attempting to implement the strategies and tactics we discuss in any of our publications. #buildalife #buildalifeyoulove #wealthmanagement #financialplanning #strategicplanning #realestateinvesting #mortgagetips

🎙️ How to Achieve ZERO Taxable Income in Retirement | John Browning Explains 💰 In today’s episode of Build a Life, Not (just) a Portfolio, financial expert and #1 Amazon best-selling author John Browning joins co-host Doug Sandler to explore a powerful and often misunderstood concept: how to legally achieve zero taxable income in retirement. ✅ Can you really retire without paying taxes? Yes—with the right strategies. John dives deep into the importance of proactive tax planning, explaining how tools like Roth IRAs, Roth 401(k)s, and a strong understanding of the tax code can help you grow your wealth tax-free and enjoy a financially secure retirement. 📘 Get John’s best-selling book, Build a Life, Not (just) a Portfolio 📲 Text "LIFE" to 321-421-5213 🌐 Or visit: https://www.GuardianRockWealth.com 🔗 Stay connected with John Browning: 💬 Substack: https://substack.com/@buildalifeyoulove 💼 LinkedIn: https://www.linkedin.com/in/johnbrowningfinancialsolutions/ 📺 YouTube Channel: https://www.youtube.com/@johnbrowning937/videos ⚠️ Disclaimer: This content is for informational purposes only and should not be construed as personal financial advice. Investing involves risk. Always consult with a qualified advisor before making financial decisions. Guardian Rock LLC is a fiduciary investment advisor. #buildalife #buildalifeyoulove #wealthmanagement #financialplanning #strategicplanning #retirementplanning #RothIRA #taxfreeretirement #taxplanning #johnbrowning #financialfreedom

On this episode of The Building Your Life Podcast with John Browning of Guardian Rock Wealth, we dive into one of the biggest questions in investing: When should you buy, sell, or hold? Financial expert and #1 Amazon best-selling author John Browning, along with co-host Doug Sandler, shares a disciplined, math-based approach to managing your portfolio. They discuss why emotions can derail smart investment decisions and reveal the pitfalls of relying on media sources like CNBC for stock market advice. Whether you're a beginner or an experienced investor, this episode will help you avoid common mistakes and take a more strategic approach to wealth-building. 📖 Get John's book: Build a Life, Not (Just) a Portfolio – Text "LIFE" to 321-421-5213 or visit www.GuardianRockWealth.com Connect with John Browning: 🔹 Substack: Build a Life You Love 🔹 LinkedIn: John Browning Financial Solutions 🔹 YouTube: John Browning’s Channel 🔹 Disclaimer: Nothing in this episode should be construed as personal investment advice. Past performance does not guarantee future results. Investing involves risk. Guardian Rock LLC and its affiliates are fiduciary investment advisors. Consult with us before making any financial decisions. 🔍 #BuildALife #Investing #WealthManagement #FinancialPlanning #BuySellHold #StockMarket #InvestmentStrategy #GuardianRockWealth

💰 Ready to take control of your finances and build a life you love? 💰 Meet John Browning, an Amazon best-selling author and Wall Street veteran with decades of experience in wealth management. As the founder of Guardian Rock Wealth, a boutique fiduciary firm in West Palm Beach, Florida, John is dedicated to helping individuals and families achieve financial freedom through smart, strategic financial planning. On this channel, you'll find expert insights, market updates, and proven strategies to grow your wealth, invest wisely, and make informed financial decisions. Whether you're planning for retirement, investing for the future, or just getting started on your financial journey, our videos will help you navigate the ever-changing market and create a personalized plan for success. 🔹 Subscribe now for weekly videos on: ✅ Wealth Management & Investment Strategies ✅ Financial Planning Tips for Every Stage of Life ✅ Secrets from Wall Street to Help You Succeed ✅ How to Build a Life You Love—Not Just a Portfolio 📌 Learn more and start your journey today: 👉 www.guardianrockwealth.com 🔔 Don't forget to like, subscribe, and hit the bell icon to stay updated with the latest financial insights! #WealthManagement #FinancialFreedom #FinancialPlanning #JohnBrowning #GuardianRockWealth #Investing #RetirementPlanning #MoneyMatters #WestPalmBeach #buildalifeyoulove

🎙️ New Episode Drop! In this episode, wealth management expert and #1 Amazon best-selling author John Browning joins co-host Doug Sandler to break down 💡 Dollar Cost Averaging (DCA) — a smart but often overlooked investment strategy! 📉 Learn how investing a fixed amount regularly can smooth out market volatility and help you manage risk like a pro. 💼 PLUS, John shares his modified DCA strategy using a cash reserve to seize market dips — a true game-changer for your retirement planning and cash flow management! 💸📈 👉 Want to take control of your financial future? 📘 Grab John's book Build a Life, Not (Just) a Portfolio 📲 Text “LIFE” to 321-421-5213 or visit 🌐 www.GuardianRockWealth.com 🔗 Connect with John Browning: 🔹 Substack: Build a Life You Love 🔹 LinkedIn: @johnbrowningfinancialsolutions 🔹 YouTube: @johnbrowning937 ⚠️ Disclaimer: This content is for educational purposes only and should not be considered personal financial advice. 📊 Investing involves risk. Always consult a fiduciary advisor before implementing any investment strategy. 📌 Don’t forget to like, subscribe & share for more smart money tips! 💬👇 #WealthManagement #FinancialPlanning #InvestmentTips #DollarCostAveraging #JohnBrowning #RetirementPlanning #CashFlow #MoneyMatters #WestPalmBeach #FinancePodcast

The Cost of Assumption: Why Your Family Needs a Financial Emergency Plan In this episode of Building Your Life Podcast, host John Browning sits down with best-selling author and legacy planning expert Cindy Arledge to discuss the critical importance of financial preparedness, estate planning, and protecting your family’s wealth. From Whataburger vs. McDonald's vs. Steak 'n Shake to the hard truths of legacy and emergency planning, this episode is packed with real-world insights to help you protect your portfolio, minimize financial risks, and ensure your family’s future. 💡 What You’ll Learn in This Episode: ✔️ Why failing to plan your estate could cost your family dearly ✔️ The biggest mistakes people make with inheritance and emergency planning ✔️ How to create a practical, easy-to-follow financial safety net ✔️ The strategies wealthy families use to protect and transfer wealth 🔹 Special Offer: Get Cindy Arledge’s latest book, The Family Emergency Handbook, with ready-to-use planning forms to help safeguard your family’s financial future. Available on Amazon or directly here: Get It Now 🎧 Listen now to take control of your financial legacy and avoid the pitfalls of poor planning! 📌 More Episodes with Cindy Arledge: The Inheritance Trap: When Wealth Becomes a Curse 🔗 Connect with Guardian Rock Wealth: John Browning 📍 Recorded live from Guardian Rock Wealth in West Palm Beach, FL. ⚠️ Nothing in this communication should be construed as personal financial advice. Investing carries risks. Consult with a fiduciary investment advisor before making any financial decisions. #WealthManagement #FinancialPlanning #EstatePlanning #Inheritance #Retirement #LegacyPlanning #TaxStrategies #FinancialSecurity #BuildALifeYouLove #MoneyMatters #GuardianRockWealth #InvestmentRisk #401k #CashFlow #financialliteracy

Why Mortgage Rates Aren’t Falling as the Fed Cuts Rates | The 60/40 Portfolio is Broken Are you wondering why mortgage rates remain high even though the Federal Reserve (FOMC) is cutting rates? In this video, we break down the crucial connection between the Treasury market, the Fed’s monetary policy, and the real impact on mortgage rates. 🔍 Key topics covered: ✅ Why mortgage rates don’t always follow Fed rate cuts ✅ The role of the 10-year Treasury yield in mortgage pricing ✅ How the bond market influences lending rates ✅ Why the traditional 60/40 portfolio strategy is failing in this market ✅ What investors should do in today’s new economic reality Many believe that mortgage rates should also drop when the Federal Reserve lowers interest rates. But mortgage rates are more closely tied to the long-term bond market, particularly the 10-year Treasury yield. Factors like inflation expectations, investor sentiment, and global demand for bonds all play a significant role in rate movements. At the same time, the classic 60/40 portfolio (60% stocks, 40% bonds)—once a go-to strategy for diversified investing—has struggled due to shifting market dynamics, rising inflation, and changes in bond yields. 📉 Is the 60/40 Portfolio Dead? Learn why investors need to rethink traditional portfolio strategies and explore alternative investment approaches. 🚀 Subscribe now for the latest insights on the economy, investing, and financial markets! 🔔 Don’t forget to like, comment, and turn on notifications so you never miss an update. #MortgageRates #InterestRates #FOMC #Bonds #Investing #6040Portfolio #TreasuryYields #StockMarket #RealEstate #FederalReserve #Finance #Economy John Browning of Guardian Rock Wealth out of West Palm Beach Florida explains several myths about mortgage rates, treasuries, the 60/40 portfolio and how to adapt to innovations in the market.