Troy Talks Money Podcast

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Troy Talks Money Podcast

Troy Talks Money is a podcast for homeowners and families ready to eliminate debt, cancel mortgage interest, and build real financial freedom.

New episodes drop biweekly.

21/07/2026

Ten years ago Jacqui Luberto was a military spouse with debt she did not plan for, two kids in middle school, and a passion she had been putting off for fifteen years.

She wanted to get her real estate license. People around her told her it was too expensive, it took too long to get a check, and she would need to buy billboards.

She went all in anyway.

Six years straight as the best real estate professional in Destin. Best brokerage five years.

Best property management four years. 2025 Broker of the Year.

And when I asked her what kept her going she said something that I want every person reading this to write down and keep somewhere they will see it every single day.

"There is always a purpose in your passion. Run it down if it is something you want to do."

She was talking about real estate but she was really talking about every dream that has ever been talked down by someone who did not understand it. Every passion that got buried under practical objections. Every door that closed before the right one opened.

The time is going to pass either way. You might as well spend it running down what you were made for.

Tag someone who needs to hear this today.

Connect with Jacqui at thinkactlead.com.

Drop GPS in the comments and let us talk about building something real.

🎙 Link in the first comment below.

20/07/2026

Most VA buyers hear zero down and think they do not need to bring anything to closing. 🏠

Jacqui Luberto has been working with military buyers in Destin for ten years and she has seen that assumption cost people money more times than she can count.

Zero down covers the down payment. Closing costs still exist. A great agent who knows the VA loan can often negotiate those into the offer. But you need someone who actually knows the product.

She also said this. The VA loan can be used more than once. Your benefit does not disappear after the first home.

Know your benefit. Use it fully. Find someone who knows how to maximize it.

Share this with a military family or veteran who needs to hear it. 🎙

Link in bio.

17/07/2026

🎙 Season 4 Episode 7 is live now: TroyHolt.com

08/07/2026

You're closer to debt-free than you think. You just can't see the path yet.

A little girl stands in a parking lot full of cars. She's not far from where she needs to be, maybe thirty feet, but when you're that small and can't see over what's around you, thirty feet might as well be another state.

She's not lost because she's far away. She's lost because she can't see the path back.

That's most homeowners and their mortgage.

I broke down exactly how the Financial GPS clears that view. Plain English, no jargon, no sales pitch.

Read it and subscribe for free so the next breakdown lands straight in your inbox; link in bio.

Want me to run this on your own numbers? Drop GPS in the comments.

07/07/2026

Three rejections from the same employer.

Most people would have taken that as a sign to move on and find something else. Shantay

Mbu took it as a reason to adjust and try again.

She showed up to a last-minute job fair, sat in a gym for hours, and got hired on the spot.

She went from collections to teller to mortgage loan officer across multiple states. She became a top producer. And then she walked away to build something of her own in the city she was born and raised in.

When I asked her what three rejections taught her, she said something that I want every person who has ever been told no to carry with them.

"I cannot be defeated. I am a goal-driven individual. Those denials only taught me patience."

She was talking about a job application, but she was really talking about every closed door she has ever faced and every one she will face in the future. The doors that close are not the end of the story. They are just the part of the story that builds the person who eventually walks through the right one.

Tag someone who needs to hear this today.

Reach Shantay at 850-912-9991 or visit rpmoceanfront.com.

Drop GPS in the comments when you are ready to talk about building real wealth.

🎙 Link in the first comment below.

06/07/2026

Most landlords think that as long as the rent is being paid, the property is fine.

Shantay Mbu said on this past week's conversation on Troy Talks Money that assumption has cost owners she has worked with ten to twenty thousand dollars in damage they never saw coming.

Her advice is simple. Inspect what you expect. Even if you have a property manager you trust, stay engaged. Ask for the reports. Make the call. Because it is your investment and nobody cares about it more than you.

She also said something about self-managing that every landlord in this community needs to hear. When your tenant is someone you know personally, you lose the ability to enforce your own lease. The relationship gets in the way. A property manager has no emotional tie. She can make the hard call without it costing her a friendship.

Share this with someone in this community who owns rental property.

Drop GPS in the comments when you are ready to talk about building real wealth.

🎙 Link in the first comment below.

02/07/2026

Some conversations entertain you. The right conversation can change your direction.

My cousin RaySean Reaves and I are launching a new weekly Facebook Live series focused on real conversations, practical strategies, and opportunities that can help people move forward.

We will talk about money, real estate, business, community, and the decisions that shape our future.

Our first episode is Thursday, July 2 at 7:30 PM Central Time.

Catch us live inside the WIN Facebook Group or the Forever South Nashville Facebook Group.

Comment INFO below, and I’ll send you the group details.

Tune in. Engage. Elevate.

01/07/2026

She applied to Navy Federal three times and got denied every single time.

Then she found out about a last-minute job fair, called out of work, and sat in a gym for hours waiting for her shot. When she finally got in front of the interviewer, she sold herself hard enough to get hired on the spot.

That was the beginning of a career that took Shantay Mbu from collections to teller to mortgage loan officer across multiple states. And three to four years after she became a top mortgage loan officer in Pensacola, she walked away from all of it, started her own property management company, and came home to serve the community she was born and raised in.

She said something in this conversation that I want every person who has ever been told no to hear.

I cannot be defeated. If I put my mind to something, it is going to happen. All those denials taught me was patience.

She is now doing something most property management companies in this market are not offering. She gives owners up to 11 months of upfront rent deposited into their account in three to five days. As long as a 12-month lease is in place and one rent payment has been made, that money is yours to use however you want.

Shantay gets owners paid and properties protected. I help the families in those homes pay off their mortgage and all their debt in five to seven years without refinancing so they stop feeding the bank and start building real wealth.

Go listen and share this with a real estate investor or homeowner who needs to hear it.

Drop GPS in the comments when you are ready to talk.

🎙 Link in the first comment below.

25/06/2026

I looked at my own mortgage statement a while back, and honestly, it bothered me.

Not because I could not make the payment. I could. It bothered me because I finally saw where the money was actually going.

Most of it was not going toward my house. It was going to interest. Every single month.

Nobody sat me down and explained that when I signed those papers. Nobody showed me the amortization schedule and said hey, look at this before you agree to it.

That is what got me. I had been a loan officer. I knew this stuff. And it still got me.

So I wrote about it this week. Real numbers. What one homeowner can save when they finally understand how this works. $58,876 is not a small number. That is a college education. That is a car. That is retirement money sitting in somebody else's pocket.

The full story is in the comments.

23/06/2026

A good friend asks you to co-sign on a car loan. You trust them. You say yes.

Eighteen months later, they stop paying. And the home you have been saving toward for the last three years just got harder to qualify for, through no fault of your own.

Nina Hart, six years into her career as a California loan officer, has watched this exact scenario derail more buyers than almost anything else. Her advice is blunt. Take care of your credit report. Do not co-sign for anybody. I do not care how nice they are.

Your credit is the foundation on which everything else gets built on.

Once you are in the home, the next foundation you have to protect is your payoff strategy.

Most families let the bank dictate a thirty-year timeline and never question it. I help families flip that and pay off their mortgage and every other debt in five to seven years without refinancing.

Protect the credit first. Protect the payoff plan second.

Tag someone who needs to hear both.

🎙 Link in the first comment below.

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http://troyholt.com/

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