Welcome to On The Chair with Vince & Polo.

In our first episode, we share our journey from zero to millionaires in just three years, revealing the success mindsets and financial independence strategies that transformed our lives. We discuss real estate investing, building wealth through intentional spending, the role of mentorship over college degrees, and why generosity is essential to financial success. Learn why Dave Ramsey's advice works for some but not all, the truth about S&P 500 returns versus real estate, and practical money strategies for building wealth at any age.

Key Takeaways:

• Why college degrees are overrated for entrepreneurial careers in 2026
• The real cost of convenience services and why time is your most valuable asset
• Smart investing strategies that beat the 8-10% S&P 500 average
• Why generational wealth requires teaching kids about money early
• The power of tithing and maintaining an open heart with finances
• How to transition from Dave Ramsey's baby steps to advanced wealth building
• Real estate investing fundamentals and avoiding common pitfalls
• Building a growth mindset through failure and learning from successful mentors
• Why giving 10% consistently sets the foundation for financial success
• The millionaire mindset that separates successful investors from average earners

Resources Mentioned:

• Dave Ramsey's “Baby Steps”
• Speed the Light youth missions program
• Caring Hearts ministry (San Luis, Arizona)

If you enjoyed On The Chair, please like and subscribe. If you loved it, share this episode with a Dad! Send your questions to onthechairpodcast@gmail.com

Follow up on Instagram: @onthechair_podcast

• (00:00) - Welcome to On The Chair
• (01:00) - Dave Ramsey advice overrated or smart?
• (03:05) - College degrees in 2026: Worth it?
• (05:12) - Owning boats: Lifestyle or waste?
• (08:04) - Building wealth in your 20s
• (12:27) - Real estate vs stock market investing
• (17:33) - Biggest financial mistakes to avoid
• (22:45) - Teaching kids about money early
• (28:16) - Mentorship over college education
• (34:52) - Credit cards: Tool or trap?
• (41:08) - Real estate investing fundamentals
• (48:23) - Why most people fail at investing
• (55:17) - Building multiple income streams
• (01:01:34) - Generational wealth principles
• (01:05:43) - The power of tithing and giving
• (01:09:37) - Starting your giving journey young
• (01:11:17) - Upcoming guests and final thoughts

Welcome to On The Chair podcast with Vince and Polo