Podcast · 396 episodes
Rich Habits Podcast
by Austin Hankwitz and Robert Croak · English
The Rich Habits Podcast is for anyone ready to take back control of their money by implementing new habits. Join Robert Croak and Austin Hankwitz every Monday, Thursday, and Friday as they break down personal finance, investing, entrepreneurship, and the real-life money habits that can help you get ahead. Robert is a decamillionaire entrepreneur with 30+ years of business experience and $300M+ in lifetime revenue. Austin is an entrepreneur, investor, and creator helping make wealth-building feel simple, practical, and achievable. 📬 Inquiries: christian@witz.vc
Latest episodes
189: Why We Don’t Fear RecessionsThe episode argues that recessions shouldn’t trigger panic because (1) recessions are cyclical and markets historically recover, and (2) investors can structurally prevent permanent damage.28 Sep 2026 · 46 min
Public Launches Prediction Markets, Meta's Muse Charm, & $2T of DebtPublic.com launches AI agents that can trade prediction markets automatically using real-time event probabilities; Meta unveils Muse AI agent hardware integrations and Shopify commerce access; U.S.25 Sep 2026 · 57 min
Q&A: $270K in Probate Court, Private Credit, & 7% Mortgage RatesQ&A on handling large windfalls and early-retirement planning, plus investing in private credit, rent vs buy amid 7%+ mortgages.24 Sep 2026 · 50 min
All episodes
189: Why We Don’t Fear RecessionsThe episode argues that recessions shouldn’t trigger panic because (1) recessions are cyclical and markets historically recover, and (2) investors can structurally prevent permanent damage.28 Sep 2026 · 46 min · 14 chapters
Public Launches Prediction Markets, Meta's Muse Charm, & $2T of DebtPublic.com launches AI agents that can trade prediction markets automatically using real-time event probabilities; Meta unveils Muse AI agent hardware integrations and Shopify commerce access; U.S.25 Sep 2026 · 57 min · 21 chapters
Q&A: $270K in Probate Court, Private Credit, & 7% Mortgage RatesQ&A on handling large windfalls and early-retirement planning, plus investing in private credit, rent vs buy amid 7%+ mortgages.24 Sep 2026 · 50 min · 15 chapters
188: Q4 Stock Market Check-In w/ NEOS FundsRich Habits Podcast episode 188 is a Q4 stock market check-in and a Neos Investments update.21 Sep 2026 · 1 h 1 min · 24 chapters
AI Safety Fears, Fed Rate Hikes, & Airbnb's $250M Housing FundWeekly money headlines covering (1) the Fed’s first rate hike in 3 years, (2) AI safety calls to slow model development, (3) Airbnb’s $250M housing affordability “Housing Accelerator,” plus market…18 Sep 2026 · 38 min · 15 chapters
Q&A: Spending $8K On Fun, Forming LLC For Rental, & Turning Basement Into AirbnbThis Rich Habits Q&A episode covers: (1) where to find “spare cash” to buy a single stock opportunistically, (2) how to fund milestone “fun” spending without selling investments, (3) whether to buy a…17 Sep 2026 · 44 min · 14 chapters
187: What Makes Someone Financially Free?How to calculate a personal “financial freedom number,” build a retirement nest egg to fund it monthly, cut expenses to shrink the required nest egg, and avoid a major tax surprise from RMDs via Roth…14 Sep 2026 · 41 min · 16 chapters
Trump's $5K Bribe, Anthropic's $2T IPO, & Meta's MuseTrump’s proposed $5,000 “dividend” if Republicans keep House and Senate; Meta’s launch of Muse personal AI agent; Anthropic’s delayed, potentially $2T IPO; plus radar items on U.S.-Iran tanker…11 Sep 2026 · 37 min · 11 chapters
Q&A: 1.5% Advisor Fees, Becoming a Pilot ($340K in 4 Years) & Healthcare CostsQ&A covering (1) whether to keep a 1.5% AUM advisor fee vs self-manage with low-cost index funds, (2) investing during a temporary income drop for a new airline pilot, (3) whether a teacher should…10 Sep 2026 · 43 min · 15 chapters
186: What Do Rich People Buy LAST?Rich Habits Podcast episode 186 argues that “broke” spending buys status first, while “rich” spending buys status last—after wealth is built and funded by cash, not debt.7 Sep 2026 · 46 min · 12 chapters
Southwest's New Airport Lounge, Kalshi Bans Congressman, & Ford's $30K TruckRich Habits Radar covers (1) NVIDIA’s $13B acquisition of Hugging Face and the open-model ecosystem implications, (2) venture capital’s pivot from AI startups into “live human experience” assets like…4 Sep 2026 · 34 min · 10 chapters
Q&A: $10M Inheritance, Living In A Trailer, & 403(b) vs 457(b)Q&A episode covering: (1) renovating a trailer to live in while starting Fire Academy and planning a May 2027 wedding; (2) choosing between 403(b) vs 457(b) retirement plans; (3) rebalancing an…3 Sep 2026 · 46 min · 15 chapters
185: Is Your Financial Life Too Complicated?Financial life feels overwhelming because of accumulated complexity; episode argues for simplifying via cash-flow visibility, household consolidation, separating business/personal finances, and…31 Aug 2026 · 50 min · 19 chapters
Nvidia's $675B Guidance, Oura Ring IPO & Meta's LawsuitWeekly money/news roundup (Rich Habits Radar) covering: Nvidia’s earnings and guidance, Meta’s teen safety settlement, and Fed Chair Kevin Warsh’s Jackson Hole speech; plus “radar points” on Cisco’s…28 Aug 2026 · 39 min · 11 chapters
Q&A: $25K Coaching Course, Cancelling Life Insurance & TimesharesQ&A covering dividend vs growth investing for a 48-year-old, whether to pay $25K for coaching to start a women’s health business, emergency-fund planning for a military transition, term vs whole life…27 Aug 2026 · 36 min · 8 chapters
184: Do These Wealth Building Habits Actually Matter?Four “wealth-building habits” that compound net worth: automate investing early, track net worth (not just income), reinvest windfalls, and protect time to keep learning.24 Aug 2026 · 42 min · 14 chapters
Chinese Humanoid Robot $60B IPO, Big Tech's $3T of Hidden Debt & Bond YieldsRates, AI “hidden debt,” Fed minutes, plus tech/market headlines (crypto regulation, Meta lawsuits, Costco Medicare, drones, Stripe’s OpenRouter deal, and China’s humanoid robot IPO surge).21 Aug 2026 · 35 min · 11 chapters
Q&A: $300K Settlement, Pro Rata Rule & Dividend KingsQ&A episode covering (1) Canada-to-US retirement account equivalents and what to prioritize, (2) whether to switch from 401(k) to Roth IRA and how the pro rata rule affects backdoor Roths, (3)…20 Aug 2026 · 40 min · 12 chapters
183: Rich Habits vs. Dave Ramsey (Debt Edition)A head-to-head debate between Rich Habits hosts and Dave Ramsey on debt.17 Aug 2026 · 40 min · 22 chapters
NEOS Joins Goldman Sachs ($2.3B), Nvidia's $500B in Financing & Tariff RefundsThree market headlines plus an interview. (1) NVIDIA signed MOUs with Apollo, BlackRock, Blackstone, Brookfield, Goldman Sachs, and KKR to mobilize $500B+ of third-party capital so…14 Aug 2026 · 36 min · 9 chapters
Q&A: $18 MILLION Settlement, Afraid of AI & Paying for WeddingsQ&A covering (1) a $18M AI/robotics settlement fear and whether to keep investing, (2) investing order for a 24-year-old with a bridge account vs Roth/401k, (3) whether a wedding venue payment plan…13 Aug 2026 · 58 min · 19 chapters
182: You’ve Invested Your First $100K, What’s Next?What to do after reaching your first $100,000 invested—four strategies to move from basic investing to generational wealth, plus a Q&A on inconsistent 1099 income, and whether to sell a rental home.10 Aug 2026 · 52 min · 21 chapters
SpaceX's 1st Earnings Report, Big Tech Spending $725B & LinkedIn AI SlopThe episode covers three main headlines: (1) Big Tech’s AI infrastructure spending surge: Amazon, Microsoft, Alphabet, Meta, and Oracle are projected to spend $725B on AI CapEx this year (+77% vs…7 Aug 2026 · 36 min · 20 chapters
Q&A: $4K / Month for Daycare, Graduating Debt-Free & HSA vs. Roth IRAQ&A on personal finance decisions: handling scholarship refunds and taxes; whether to pause retirement contributions for $4K/month daycare; graduating college debt-free using low-interest loans vs…6 Aug 2026 · 38 min · 12 chapters