4F Forum: Recent Episodes
Dan Kramer and Ryley Smith
In this episode, Dan sits down with Kristi Massey to explore the intersection of business, faith, and financial wisdom.
They discuss:
* The importance of accurate accounting for small businesses
* Trusting God and taking bold steps in life and career
* Kristi’s journey from a 6-figure job to self-employment
* The role of communication in relationships and business growth
* The challenges and opportunities of scaling a business.
This conversation is packed with inspiration and practical insights—don’t miss it!
In this episode of 5F Conversations, Dan sits down with real estate entrepreneur Austin Deraaf, who started his journey at just 13 years old flipping dishwashers.
Now, he and his brother own 13+ mobile home parks and manage a rapidly growing real estate business.Tune in as Austin shares:
🔹 How he got into real estate with no money
🔹 The smartest way to scale a business
🔹 Why mobile home parks are one of the best investments
🔹 His mindset on financial freedom and wealth-building
In this heartfelt episode, Dan and his wife, Leah, share insights into:
- The power of communication and goal setting in marriage
- Balancing family responsibilities with personal time
- Their experiences with homeschooling, reading aloud, and home births
- Why open conversations with children about finances and life challenges matter
Building strong connections through one-on-one moments.
What you’ll learn:
✅ How to foster better communication in your marriage and with your kids
✅ Practical tips for creating a healthy work-life balance
✅ The value of intentional parenting and making time for each child individually
✅ Unique perspectives on homeschooling, home births, and family traditions.
This episode is packed with tips and stories to inspire stronger family bonds and better communication!
Join Dan in this insightful episode of the 5F Conversations Podcast as he sits down with Brandin to explore the unique opportunities in mobile home park investing. Together, they discuss why mobile home parks make a smart investment, share their strategies for successful acquisitions, and reveal the keys to effective management in this thriving asset class. Whether you're an experienced investor or just starting your journey, this episode is packed with actionable advice and exciting opportunities for partnership. Tune in now to learn how mobile home parks can transform your investment portfolio!
In this episode, we challenge common financial advice and explore smarter strategies for building wealth.
🔹 Whole Life Insurance: Discover its real growth potential (4-5% returns) and how it enhances assets like real estate and businesses.
🔹 Dave Ramsey’s Approach: While we respect his foundational advice, we question the "buy term, invest the difference" strategy for long-term financial success.
🔹 Smarter Financial Planning: Learn how to go beyond traditional methods for retirement and wealth-building.
Tune in to rethink your financial strategies and uncover new possibilities!
Fraser shared his personal journey from struggling with mental health and financial issues to becoming a successful nutritionist and human optimization enthusiast, emphasizing the importance of consistency, physical activity, and hydration. He also discussed the significance of treating oneself like a business athlete, understanding food as software, and maintaining good blood flow for overall health. Lastly, they discussed the importance of balancing business growth with personal well-being, maintaining a strong relationship with one's spouse, and prioritizing physical health.
Dan and Brock discussed Brock's journey into professional fighting, his transition into teaching, and the benefits of their wrestling program for children. They also explored their experiences with training police officers and first responders, the advantages of wearing a gi in martial arts training, and the differences between various martial arts. Lastly, they shared their experiences with martial arts and their involvement in the sport, with Brock expressing his plans for the next 10 years and emphasizing the importance of self-defense and martial arts on mental health.
Dan and Johnny discussed Johnny's journey into real estate investment, his experiences as a college student and entrepreneur, and the importance of learning sales and entrepreneurship skills. They also shared their future plans, personal and professional goals for the next 10 years, and Johnny's charity, Heyman's Helping Hands. Additionally, they discussed the benefits of owning a house for college students and the importance of focusing on family and health.
Dan and Teresa discussed the importance of health and nutrition, with Teresa sharing her personal journey and the benefits of a whole food plant-based diet. They also discussed the potential benefits of a raw food, whole food, plant-based nutritarian diet and the importance of habit creation and emotional support in achieving success. Lastly, they touched on the topic of coffee consumption, pricing and services of Teresa's coaching program, and strategies for maintaining a healthy lifestyle during the holiday season.
Dan and Matt discussed their respective journeys in business and real estate, with Matt sharing his experiences of transitioning from a machine shop worker to a real estate investor and his strategies for managing businesses and generating income. They also discussed the importance of focusing on what can be controlled, not getting distracted by external factors, and the need for good leadership and positive attitude in attracting and retaining employees. Lastly, they explored strategies for overcoming personal and professional challenges, with Matt suggesting a focus on one's strengths and taking a break from problematic situations to reevaluate and refocus.
Joel, who works for a company called Eqrp, shared his personal journey and how he joined the company. He explained that Eqrp provides enhanced qualified retirement plans, which can help individuals achieve financial freedom and fulfill their goals in the areas of faith, family, fitness, finances, and freedom. Joel also mentioned that he is moving to Montana with his family and that this move represents a component of freedom for him.
Dan discussed the rebranding of their podcast series, Justin's military experiences and responsibilities, and the importance of voting in the upcoming election. They also explored the potential risks to the United States' freedoms, the perception of Trump as a potential war starter, and the impact of Covid-related vaccine mandates on their personal and professional lives. Lastly, they touched on the theme of freedom, the potential scenario of being ordered to turn on American citizens, and their work ethic and dedication to their professions.
Michael Byers has over 20 years of experience in real estate and business acquisitions. Listen while he and Dan talk about how to manage from a high level, and how he coaches people from W-2 jobs to business owners.
Dan talks with Dustin Ring about how he got started in real estate, and what you can do to get going, even if you don't have a piggy bank full of cash.
Are you being you? Check-in with Dan and his guest, Mike Fallat as they discuss all things entrepreneur.
When is it time to take the leap and leave the security of your 9-5 to follow your entrepreneurial dreams? Andre Billeaud tells his story today.
Are you doing the best you can for yourself and your family? Dan talks about why real estate can help you reach your financial goals.
Do you teach your kids about how to handle their finances? It's never too early. Listen as Dan explains his family's strategies to raise their children to be money-savvy adults.
Why invest in real estate? Dan talks about how you can increase your income. Listin in.
What are the 3 things your investment dollars should do? Find out when Ryley talks real estate with Maureen McCann from Spartan Invest.
Dan talks about the direct-to-seller real estate model with Mike Higgins. How can you get started investing in real estate? What motivates you?
Dan and Ryley have a conversation about how to be intentional about what you want in life.
Dan talks with Johnny Hamann, a 19-year-old college student from Wisconsin about his journey into real estate and philanthropy. An impressive look at the next generation. Listen to be inspired!
Solo podcast from Dan today. We wanted to record a quick episode to wish everyone a Merry Christmas and talk a little about goal setting. Listen for the giveaway!
A new lawsuit is formed every 32 seconds in the United States. Do you have the proper entity structure? Join Ryley as he outlines what you need to know (not financial or legal advice).
What do you do when life doesn't go as planned? Dan and Ryley talk about how they cope with difficult situations.
Are you doing everything right? Dan and Ryley talk about how you could lose your wealth even though you do everything you've been taught.
Don't miss this episode! Dan talks with Matt Beaudreau. Matt helps entrepreneurial parents raise self-aware, self-confident, financially savvy children. Listen as Dan discovers how you can help your kids grow up with a wealthy mindset. Matt is the Co-Founder of Apogee and Host of the Essential 11 Podcast.
Fatherhood - Episode 1. Ryley Smith talks about becoming a first-time Dad. Do you have any advice for him?
Are you a victim of inflation? Dan and Ryley talk about how you can capitalize on the current economic situation.
Dan and Ryley put together a quick episode about freedom! Are you grateful for your freedom?
Dan and Ryley talk with Julie Bruns about the five pillars of health. Are you doing the things you need to do to be more healthy? It's great listening.
Dan and Ryley recap their earlier conversation about faith. Thank you to everyone who listened and gave feedback. If you missed it, it was Episode 72 on April 15, 2022.
Time Keeps Moving! Dan talks about how fast our lives go and takes time to reflect. You can too.
How can we use Life Insurance to build wealth? Can you become your own banker? with Bruce Wehner
How does homesteading support the 4F's? What is homesteading anyway? Dan and Ryley talk about what it takes, how to start, and why it's important.
Dan and Ryley talk with Doug Boser and Austin Ruehle about commercial real estate. Listen and learn.
Dan Kramer and Ryley Smith talk about marketing and branding their businesses and why it it's important.
Why don't more people start a business? Should you? Stay tuned until the end for cheat codes.
Who not how. How the right people in the right seats impact your life. Based on the book by Dan Sullivan, Dan and Ryley discuss how the who's you surround yourself with can enhance business and life.
Cash Flow and Cash Control. Dan and Ryley talk about what that means and how knowing about it can give you an advantage.
Part 2 of Dan and Ryley's conversation with Trent Fortner. How to integrate the 4F's in your life.
Dan and Ryley interview the man who initially taught them about the 4F's. Trent Fortner talks about his process and commitment to balancing his life.
Ryley's parents talk with Dan and Ryley about their shift in mindset over the years since working with Ryley.
Did you know there were options to the Exchange for health insurance for you and your family? Dan and Ryley talk about some alternative to mainstream insurance.
What is passive income? What does it mean, and what can it do for me? Mailbox money. No longer trading time for money. Listen as Dan and Ryley talk about how important it is to shift your thinking.
Join Dan and Ryley as they discuss how they are implementing ideas from the book "The 12 Week Year" by Brian P. Moran and Michael Lennington, et al. Are you accomplishing what you are capable of? Get the framework to win the week!
Dan and Ryley discuss how to move closer to the life you want. Do you want more control of your time? Are you missing out on activities with family and friends? Take steps to get the life you desire.
Dan talks about angel investing and entrepreneurship with Anna-Maija. The story of their two-year-old startup produces excellent nuggets of advice that we all can appreciate.
Join Dan Kramer and his wife, Leah, as they talk about the 4F's and how they have used them to create a long and happy marriage.
What is the one financial tool that can protect you and remove any financial concerns you have? Dan and Ryley share the list of how this tool can help.
What is the one financial tool that can protect you and remove any financial concerns you have? Dan and Ryley share the list of how this tool can help.
Dan and Ryley respond to a listener's question regarding the bridge between faith and finance.
Is your gratitude list stale? Dan and Ryley talk about how to dial in on your gratitude to make it relevant every day.
Dan and Ryley talk about why they don't subscribe to typical financial advice. Who is in control of your finances? Shouldn't it be you? Listen to find out more.
One of our listeners suggested Dan and Ryley talk about career transitions and how and when to leap. Listen to how they made the changes they needed to live a maxed-out life!
Create a system, put the right people in place, be true to yourself, build a routine, cultivate great relationships - what do you get? Confidence!
Procrastination is the arrogant assumption that God owes you another opportunity to do what you had time to do - Bishop Rosie O'Neal. What are you waiting for and what is it costing you? Dan and Ryley discuss how they avoid (or not) waiting to take care of their Faith, Family, Fitness, and Finance. How about you?
You are the average of the 5 people you hang around. Dan and Ryley talk about the importance of the people you spend time with. Who you choose should elevate you.
Success is made up of simple things. What habits make you successful each day? Join Dan, Ryley, and Dewane for some straightforward rules for making the most of the 4F's,
Ryan Wheeler tells us how he stepped up to the plate to make his voice heard. In the face of adversity, Ryan changed his life to stand up for kids.
Tom's bar burned to the ground. He tells Dan how he used the 4F's to recover, rethink, and rebuild his business into The Ultimate Sports Bar (during a pandemic).
Enjoy the promised follow-up to our Crypto episode. Chase Larson is Dan's Crypto Coach and has the knowledge to share.
Dan and Ryley talk about comparing themselves to others. Is it detrimental to our success, or is competition good? Can I be a better person today than I was yesterday?
Dan and Ryley talk Crypto. How much do you know? They relay their understanding and experiences. Maybe you would like to get involved too!
Why do the wealthy, banks, and institutions own more permanent life insurance than anyone else? Yes, one more episode about life insurance - but this is important. Dan and Ryley talk about their personal and client's experiences with life insurance. Last one - promise.
Dan and Ryley give you Life Insurance - Part 2. No, it's not boring. You should listen.
Dan and Ryley talk about life insurance. Yes, it can be interesting and informative. Find out why!
Dan and Ryley spent last week in Nashville, learning new things! They will share some newfound knowledge.
The conversation runs the gamut when Dan Kramer and Ryley Smith talk with Brock Fortner during their trip to Nashville this week. Let's check-in.
Dan and Ryley bring guest Jared Williams into the conversation. They discuss how to make biblically responsible investments. How can you foster stewardship and make an impact in a way that aligns with your principles?
Part 2 of the Time, Talent, and Capital discussion. Does it take money to make money? Dan and Ryley continue the discussion.
How do you best utilize your talent, time, and capital? Is "I can't" part of your vocabulary? Dan and Ryley talk about how they best use what they have available to avoid making excuses and create a maxed-out life.
Can you be comfortable with being uncomfortable? Ryley Smith tells us how he got out of his comfort zone and challenges you to do the same.
Dan tells a story of what can happen when you make big decisions that affect big things. What a story!
What is the economy going to do? What do you think the impact will be on you? Dan and Ryley discuss how doing what your parents and grandparents did might not work for you.
Are you a procrastinator? Do you put off what needs to be done today then experience the consequences later? Dan and Ryley talk about how they fight procrastination in their effort to live a maxed-out life.
Should I invest in real estate? Why? How can it help my financial picture? I don't want to be a property manager. Dan and Ryley talk about how they have invested in real estate and where they are in the process.
Has being wronged or injured changed how you look at the world and how you handle events in your life? Dan and Ryley talk about how to shift the victim mindset to create a maxed-out life!
Budgeting. What's the first thing you think of? No fun, right? Is there an alternative to denying yourself? Dan and Ryley talk about how it feels and how you can change your mindset to get the things on your wishlist.
Do you read? For fun? For growth? Further education? Dan and Ryley talk about why and how they are incorporating reading into their busy schedules.
We have a guest today! Dan and Ryley talk with Tanner Neubauer, owner of a local (St Cloud, MN) gym who has built a culture of communication, cooperation, and loyalty. Tanner tells his moving story of the challenges his business faced during COVID-19 and how the community around him reacted.
Be inspired to be physically fit! Dan and Riley talk about how they stay fit, and what they've seen in their former life as physical therapists. It's more important than finances, right?
Was is a difference between traditional financial advice and typical financial advice? When did the rules change? Dan and Ryley sort out what you might consider traditional concepts that can help you today.
Dan and Ryley explain how to create your wish list and make it happen. What separates Dan and Ryley from a typical financial advisor? THE WISH LIST!
Dan and Ryley outline 9 steps to achieve your goals. Kick-off the year with goal setting strategies. Do you achieve your goals? There is a method to why successful people get stuff down. Find out how they do it.
Dan and Ryley teach you the beginning steps to set up your financial model. To view the screen share: find us on Facebook - The 4F Forum.
We are coming up on the end of 2020. Dan and Ryley talk about how they use goal setting and how you can put 2020 behind you and gear up for 2021.
You weren't created to settle or to be always striving for comfort... You were made to reach your potential and "go for it." Today, we share our thoughts on why you should always be challenging yourself to get to your maximum potential and the steps to get there.
This week we introduce our host, Dan Kramer, and his story of going from W2 employee to business owner/entrepreneur. Ryley and Dan discuss the mindset changes that happened along the way.
How do you know if choosing a 15-year vs. a 30-year mortgage is "saving" you money? What if you could pay your home off faster with a 30-year mortgage AND increase your wealth at the same time? Are you in? Enjoy!
What happens when you're in a rut? Are you spending more time on your job or worrying about finances than you want to? Don't be too consumed to enjoy what really matters, your faith, and your family. This is real life, and today we discuss some steps to get out of that funk.
Nobody wants to pay more taxes. "You are not more patriotic by paying higher taxes". Did you know with the right education, you could earn more and pay fewer taxes? Have a listen!
Dan and Ryley talk about Dave Ramsey and some of the issues we have with his teachings. Dave has helped many people, but there are a few of his ideas that we question in this episode. Enjoy.
Do you ever feel like the odds are not in your favor? Like the deck is stacked against you when it comes to finances?
In today’s podcast, we talk about the four rules of financial institutions! It turns out, they are teaching us to play by a set of rules in our finances, and they are playing by a completely different set of rules that ensure they win, and we take all the risk!
Enjoy.
How do you know that the advice you are receiving is always in your best interest? There are a lot of opinions when it comes to finances, and this can confuse you.
Today, Dan and Ryley talk about five of the standard pieces of misinformation that they have encountered over the years in the financial industry.
Enjoy!
Are you wondering how to build a life that doesn't revolve around your work?
Do you feel that there is not enough time in the day for the things you truly want to do?
Do you find yourself saying you don't have enough time, or you're too busy?
This episode gets into some thoughts and ideas that may help you work towards building the life you desire. Many people watch the years go by and never make it a priority to build a life that fits your actual wishes.
Hope you enjoy today's episode!
Is the 401k all it's cracked up to be? Today we discuss the pitfalls of the 401k and hope to educate you on some things you haven't been taught.
Gratitude is the key to creating an outlook on life that's necessary to reach your potential. We give some simple talking points and action steps to move towards reaching your potential in life!
What are some of the pitfalls of traditional financial planning? Jeff Wells joins today as an experienced advisor of 30 years in the industry to explain.
Dan and Ryley discuss why keeping Faith first helps simplify tough decisions. Life is relatively short and keeping this perspective top of mind is important.
Dan Kramer and Ryley Smith discuss the 4F's, faith, family, fitness, and finance and how they use them to guide their decisions to create a maxed-out life.