World Model · podcast knowledge graph

Why The Wealthy Never Follow The 4% Rule | Zach Richards

2026-06-26 · 35 min · 19 entities

episode page audio

Asserted relationships

  • → hosted by Bleav + Justin Colby person
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    evidence rules-v5
    Feed author/publisher: Bleav + Justin Colby
  • → hosted by Justin Colby, Bleav, Justin Colby person
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    evidence rules-v5
    Feed author/publisher: Justin Colby, Bleav, Justin Colby
  • → founded REI Capital company
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    evidence rules-v5
    co-founder of REI Capital
  • → founded REI Capital company
    0.54
    evidence rules-v5
    co-founder of REI Capital
  • → works at REI Capital company
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    evidence rules-v5
    co-founder of REI Capital
  • → works at REI Capital company
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    evidence rules-v5
    co-founder of REI Capital
  • → discusses Business company
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    evidence rules-v5
    Feed category: Business
  • → discusses Education concept
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    evidence rules-v5
    Feed category: Education
  • → discusses Investing concept
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    evidence rules-v5
    Feed category: Investing
  • → discusses How To concept
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    evidence rules-v5
    Feed category: How To
  • → references reicapitalguys.com website
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    evidence rules-v5
    Link in episode "Why The Wealthy Never Follow The 4% Rule | Zach Richards": https://reicapitalguys.com/

Entities found in this episode

companys 7

  • mentioned REI Capital company
    0.68
    evidence rules-v5
    co-founder of REI Capital and
  • founded REI Capital company
    0.54
    evidence rules-v5
    co-founder of REI Capital
  • founded REI Capital company
    0.54
    evidence rules-v5
    co-founder of REI Capital
  • mentioned Business company
    0.50
    evidence rules-v5
    Feed category: Business
  • works at REI Capital company
    0.50
    evidence rules-v5
    co-founder of REI Capital
  • works at REI Capital company
    0.50
    evidence rules-v5
    co-founder of REI Capital
  • discusses Business company
    0.40
    evidence rules-v5
    Feed category: Business

concepts 6

  • mentioned Education concept
    0.50
    evidence rules-v5
    Feed category: Education
  • mentioned Investing concept
    0.50
    evidence rules-v5
    Feed category: Investing
  • mentioned Zach Richards concept
    0.42
    evidence rules-v5
    Why The Wealthy Never Follow The 4% Rule | Zach Richards
  • discusses Education concept
    0.40
    evidence rules-v5
    Feed category: Education
  • discusses Investing concept
    0.40
    evidence rules-v5
    Feed category: Investing
  • discusses How To concept
    0.40
    evidence rules-v5
    Feed category: How To

persons 4

websites 2

  • mentioned reicapitalguys.com website
    0.45
    evidence rules-v5
    Link in episode "Why The Wealthy Never Follow The 4% Rule | Zach Richards": https://reicapitalguys.com/
  • references reicapitalguys.com website
    0.38
    evidence rules-v5
    Link in episode "Why The Wealthy Never Follow The 4% Rule | Zach Richards": https://reicapitalguys.com/
Episode description as stored
Subscribe to The M.O.R.E. Show Most people have been told the same thing their entire life, put your money in a 401k, invest in the stock market, follow the 4% rule, and hope you don't outlive your money. In this episode of The M.O.R.E. Show, Justin Colby sits down with Zach Richards, co-founder of REI Capital and private lender to real estate investors, to break down why savvy investors are moving money out of volatile markets and into real estate-backed private lending, how hard money lenders are failing borrowers at the worst possible moment, and exactly what real estate investors need to qualify for and successfully use private money on their deals. KEY TOPICS COVERED: Why private lending is one of the most overlooked investment strategies most people never hear about. How stock market volatility is driving investors toward consistent real estate-backed returns. Why hard money lenders are changing terms at the last minute and how private lenders are different. What real estate investors need to qualify for private money and how the process actually works. How to underwrite a flip deal and what private lenders are really looking for. The 4% rule debunked and why real estate-backed lending beats traditional retirement strategies. ️ TIMESTAMPS: 00:00 — The 4% rule and why private lending is a better way 00:30 — Introduction: Zach Richards, co-founder of REI Capital 01:14 — How REI Capital started and evolved into a fund 02:26 — Why stock market volatility is pushing investors to private lending 03:41 — Access creates opportunity, Justin's mastermind insight 04:09 — How private lending works on both the borrower and investor side 07:00 — What makes a good private lending deal for borrowers 15:00 — How to qualify for private money, documents, comps, and scope of work 25:00 — Downside protection: what happens when rehab budgets go over 32:00 — Where the real pain is in the market right now 34:00 — Why single family flip slowdowns are a return to normal not a crash 35:00 — How to connect with Zach Richards and REI Capital Connect with Zach Richards: Website: https://reicapitalguys.com/ Linkedin:    / zach-richards   About The M.O.R.E. Show: Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.