Health and Wealth: You Can't Build One Without the Other

Dr. Nick Delgado, Beyond Human Podcast. I'm with

Loral Langmar, millionaire maker. Loral, we're talking

about making money, because part of health, I think you and I

would agree that if a relationship is strained

financially, it's one of the leading causes of divorce, maybe

short of having good intimate relationships. Maybe money

challenges the family, it challenges your health, your

ability to invest in your own health. Would you agree with any

of those statements?

100% 100% And you know the alternatives. I do

a lot of podcasts. A lot of my clients are from the health

space, naturopaths, kairos, doctors, leading heart surgeons,

and health and wealth. The best are in the alternatives, which

is why you and I have always been really close, because you

live in the alternatives of health and I live in the

alternatives of wealth, and the well, how would I even start the

number one takedown of wealth? This is what's so synchronous

about this. The number one takedown of wealth is an

unplanned health incident. The number one takedown of wealth of

your health is the stress of a financial institute. So we are

so tied at the stress level, and then what it does, I mean, but

they both are the number one takedowns in each of our

categories.

Thank you for taking a break from our show,

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something coming on, and you will see a difference. Wow,

so we need to work together for me to keep

your people not being stressed about their money, and my people

need to work with you, so they're not so stressed about

their health and their regimen.

Well, that's why you're on my podcast, and I'm

coming on your podcast next, because we're going to really

lean into all aspects, because let's think about it. Health and

wealth translates into quality relationships, quality career,

quality everything about your life, and without health and

wealth, it would be very pressed, maybe leading spirit on

the outside. I'm not dealing with that, I'm not dealing with

politics, but I am dealing with your health, and you're dealing

with their wealth. I have a big question, Dave Ramsey, why is he

so diametrically opposed? Why does he live a rich lifestyle?

But he teaches everyone to live like a popper. What is that

about?

He lives this. I mean, this has been an

interesting.. because this is so interesting. You brought him up,

because he's a great guy. I mean, he's got a great

following, but you know him.

Have you ever talked to him?

Very little. But I talked through Tom

Ziegler. Tom Ziegler and I become really good friends. He's

a lot of our. Leadership at our big table in our community

of Zig Ziglar. Tom,

yeah, yeah, Tom Zig Son, yeah. So I was

around on this on the circuit during Zig's last year of life,

and I intentionally, like, went on those, you know, with he and

Julius, his daughter, because it was like everybody, we knew he

was going to pass, and like the opportunity to live and hang out

with legends is is pretty rare, and now this interesting

environment called the bathroom wall, called the internet, and

what's happened with AI, I mean, you know, influencer status, and

doing a lot of that, like I call the goods and the greats, and

the, you know, the goats, and all that, that's kind of thing

of the past, I don't know who's going to actually come up and

take those ranks for you, and I, you know, as we move on to, but,

but back to Ramsey. So, Ramsey teaches what I'd call the safe,

the same, not even stable, just a safe, you know, stay out of

debt and don't make a lot of money, and don't be an

entrepreneur, because it's risky. Susie Orman says the same

thing, they're both on recording saying don't be an entrepreneur.

I was happy, really,

really pay off your mortgage, make sure you pay

your taxes at the highest level, taxes at the highest level.

Yep, and live debt free, and I'm 100%

different. So, when people say, "Well, I've already, I've

already got my money handled, I've been with Ramsey, and I

said, "And then there's the next level. So, you can go to Ramsey

if you had a whole screwed up life, but if you just want a big

life, you go this way. There's this only way to go, and it's

not Loral's way. I studied millionaires since I was 17.

This is accumulation of centuries of the same model.

People learn to make money as an entrepreneur. So, to be a

millionaire, you can have a big job. I have a ton of people who

have big jobs. I have a new surgeon who's on board, he makes

one, two as an employee. The only way to affect that level of

employment taxes is to have your own company. I said, start a

telemed business and put supplements. I mean, similar

what you do, like I mean, I moved so many people to that

model because, a, it's more lucrative, a, they get to stay

home, they don't have to be on operating tables. One of my new

surgeons has a book said, 'Stay off my operating table. So, the

only way they get to do it, though, is their company has to

make money, so they can activate the deductions, because as an

employer at the highest tax rate, and then also Ramsey

supports, and he's endorsed and sponsored, so is Susie

sponsored, Susie's been sponsored by Fidelity forever,

Ramsey sponsored by TD Waterhouse, which means put all

your money in stocks and bonds, and now you got a capital gains

problem, so you have a W-2 tax problem. Now you have an

investment problem. Everything I would not teach, I mean nothing.

Go be an entrepreneur. You have me, keep a job, I don't care,

but you have to have an entrepreneurial venture, an

operating company, a legal way to make money. And being an

affiliate of you in mind is enough of a company that we

could activate their taxes. And then how you invest is, you

don't buy Chevron and Exxon and Shell stock, you own the well,

you don't buy into a REIT on the market, you own the real estate.

So we just teach very different strategies, but you're right,

Ramsey lives this model, and I've had Tom Ziegler ask him,

why do you teach what you teach, but then live this, why don't

you teach them this, and a lot of their answers I may haven't

heard from them exactly what they said, but I have heard from

Susie, is most people just like the simple easy path, and it's

like, but the simple easy path doesn't get you to your dream,

it doesn't get you to be a millionaire, it doesn't get you

to less to pay less taxes, it doesn't get you a rich

portfolio, and it gets you really broke as you're older,

and because all you're going to live on is your 401 k, yipy, and

who knows what those are even going to be around,

so Loral, have you ever worked with someone who

climbs up the ladder, bust his butt, makes makes a million

gross per year, and then gets knocked down, expenses go up,

living in California, whatever your issue is, maybe an illness,

maybe a marriage breakup, all the above, right? Because we're

all going to experience some aspect of that, right? Yeah, how

does one protect themselves from that? And I want to circle back

to the comment about stock. Are you saying that it's okay to

have a bucket of stock, but some of it should be going towards

the purchase of the land, the origin of the oil company? How

do you find these things out, though? I mean, that's pretty

complex to know. Where do you search this, and I think you

have a team that might have a good answer. Go ahead,

yeah, we have a whole team. I've, it's me and

28 we're 28 other business financial investment experts.

They're all licensed, I'm not, so I can stay free to talk. I

learned that through Dr. Phil and my CNBC show, is to not be

licensed, because I was about to get a bunch of licenses, and

then I'd be contained. So I'm the one that's the mouthpiece,

I'm the one that's talking, so yeah, I have a bucket of stocks,

but it's in a folio that is managed by AI that takes me in

and out of the market, so yeah, when, when Elon's, you know,

stock, you know, went public, when SpaceX went public, I

didn't buy straight in, I let it drop because it came down a

little, I bought in then, and then it went back up, so I have

AI tools that do that, and which is very specific. It's called

iFlip. I can get people a link, a free app to that in the show

notes. So I have very specific alternative, even in the stock

market. I don't have just a traditional plan or doing any of

that, and to invest alternatively is owning the best

way I teach it, Nick. With two families, I said, just drive

through town. Somebody owns every business, somebody owns

every piece of real estate, somebody owns all of this. Why

don't you own some of it, instead of just being the

employee of the people who own it all? Be both. You can be an

employee and be an owner. We do a lot of franchise, a lot of

our.. like, I have an executive from Wells, I have an executive

from Amazon, PayPal, Walmart, you name, I mean, we have a lot

of high, high, high W-2. Ernest, why are they here to reduce

their taxes? And the only way to do that is to have a company.

So, when you said California, that's a whole nother problem,

because California, because of your lovely governor, I mean,

it's hard to not talk politics when you're in the money

conversation, because you either want to be rich, you want to be

poor. Go

for it, Loral, go for it. It's the truth. Talk

real money, girl.

Well, in California, I mean, you now have

an exit tax, you have additional tax on your real estate. I mean,

he's trying, your governor's trying to put in a rule where if

you can't 1031 out of your state without paying additional 1031

tax, which is not even a federal thing. The made-up crap that

comes out of California. The problem is it's affecting New

York, New Jersey, Pennsylvania. So, when people live in those

states, we, you know, people say, 'Well, how do I do it if I

don't want to live? And here's my.. you know me well enough,

because I've lived in California, I think it's the

most beautiful place. And I say, 'Live where you want, invest

where it makes sense. So I actually lived in Nevada, and I

rented in California, so I had my Nevada while I rented over

there and has businesses over there, and then finally in 2000

just, you know, had had enough of it, and just moved 100% to

Nevada, and then 2020 thank God we're all over here, so makes

sense for you.

Could you fly a say a joint owned jet and yet

have a W-2 that you submit at $32,000 Maybe you have to show

something instead of a 1099 The best, the rest could be towards

a company of a 1099 with some possibility or combination of

that, and by the way, What is the title of the book that you

showed? Because I want everyone to get that book, The

Millionaire Maker, and this is version two.

We just put this out last year, my 25th anniversary of doing The

Millionaire Maker work. So we put 40 more stories of 40 more

families in here, and we'll give you a free download of this.

It'll be in the show notes when this airs, so we'll give

everybody that's listening a free copy of this, and what you

just described was my life,

that's what I thought.

Yeah, so I make 36,000 now, actually,

right? Gay yourself

a raise,

yeah, so 42 now, but I'm going back down,

but I was a 36,000 I had a private plane that was owned by

a company and then leased to my other companies to take me and

our crews around, so we had an event company, we had the

aviation company, and the event company paid me a tiny little

salary, which kept my taxes low, and because I own that plane, I

had losses carried forward, so aviation and gas and oil are

your top, top, if you want to wipe your taxes and have losses

for years, because you get 100% depreciation on those, so I had

a $3 million aircraft, $3 million depreciation. I mean, it

was, it's fabulous. So, is that

what has a private jet too? Stuff is

out of re.. I mean, he's really funded by

REITs out of New York, so he's got most of his big, big money

comes from the REITs out of New York, I mean, he has his own

wealth, mind you, but I think he's in a fleet with a bunch of

the REITs that actually do hit the big projects behind, you

know, Cardone Capital has all those projects, he doesn't go

find and manage all those projects, right there, they do

the same thing, they're using, you know, his influence and who

he is, and then that money goes into a fund that mostly is

managed out in New York that buys the planes and does the

things, but as an individual, did I own the plane? No. Does

Grant on the plane? No. I mean, anyone who says that they own

the assets that they're showing off or bragging about, which I

never did. It was just the way I live, because you know, I could

go to your show, I could go across town, and instead of

going from, say, San Diego even to North LA or to Riverside,

it's a heck of a lot easier to go above all that traffic and

land in 18 minutes than it is to drive through it in four hours.

So, I did a massive convenience. I did the same in Florida. I

could go to Fort Lauderdale, I could go up to Jacksonville,

back down to Miami, and do three shows in a day. So, a lot of

people think it's arrogant to have some of these accouterments

that come with your life, but for me it's highly, highly.. it

was now what was good is into the 2019 I sold it, thank God.

Because when 2020 hit, it brought me here. That 2020 for

people like us who lived on stages and TV, it was a hell of

a transition. Now we're doing great. I'll tell you, 2020.. I

mean, I was march 7. I'll never forget. I flew home from

Houston, Texas, 29 stages, and all my TV appearances. Like,

everything was canceled. Like, oh my gosh, who are we going to

become? So, I had, you know, the most of the event team all left,

because we're not an event anymore. This is the event we

do, and I go out maybe once or twice a year, and I'm. I came

home, and I'm well. I also, I own a marijuana farm, so I

became a legal owner of so

you get to be happy, high, and enjoying your

life.

Yeah, in my brand, you're going to love it.

It's called Mom's Meds, so we produce product, because I do. I

think you can do opioids or you can do weed, you're both, you're

going to be high. The psychotropic effects are really

hard to get rid of, but the pain management long term and the

effectiveness to your organs and everything else. I'm 1,000%

believer in marijuana as a medicine, not opioids. May I

lead

into that? That conversation, we know that you

can take marijuana plants and juice them, and you'll get THA

instead of THC. You won't get high, but you'll get a euphoric.

You'll get the healing benefits, and far more. Have you ever

taken the marijuana plants and juice them and drank

it? I do it

all the time.

Yeah, it's harder to get the consumption

and the volume that you really want, though, and it's harder to

prescribe that way,

but you have to have your own plants growing to

be able to juice

it, absolutely. But we have 30

hoops, I mean, we're doing 14,000 plants times two, so in

one season

I want to juice this stuff.

Well, I'll help, I absolutely can help you

do that. Okay,

I know you got to run, you're going to come on the

next show, I'm going to come on your real talk in a little bit,

but last question.

Thanks. Two things I want to give you, so

they're in the free download of the book, and you get the iFlip

app, go get it. We're outperforming Robin Hood, we're

outperforming every NASDAQ, because we were the first to

market on AI. It's called iFlip, and the folios I'm in are

exactly what you said. I'm in land, water, and energy, and

we're doing in the 20% returns, killing it, killing it, right?

But you have to be completely asleep to not kill it in the

market right now.

I love it. I love it. Laura Langmeyer, you're a

superstar. You're, I believe, your son, is he still a CPA? Did

he go to accounting school, and so forth?

He, he got, yeah, I got a double degree, got

a master's in accounting, became a CPA, and now he is a fed in

Washington.

I met him at one of the events at the big table,

I believe

he was really little, he's not little anymore

in my

life,

and she goes to Flagstaff, NAU, she's a

pilot, she's a little superstar. So you knew I was going to raise

fun, amazing kids. My daughter's right here. She's beautiful. So,

she's home for the summer. We're having..

you have a book related to making children

wealthy. What is the name of that book? And can you tell us

about it? Did it just come out?

No, it's been out since 2022 So, is how on

paper through Roth IRAs, a lot of the stuff they'll get through

the trust as they're older, not like kids millionaires.. like,

you know, I always say I'm rich, you're not yet, but they will be

millionaires, right? Make your kids

millionaires.

You go to the site, it's going to be a little

more expensive than getting it on Amazon, but you get $1,500 of

activities and talk tracks, like, how do you talk to your

kid? How do you bring the conversation in? How do you have

your kid help get a business? How do you help them get credit?

How do you help them live zero to 20?

Loral, is it on Audible book? I'm a big Audible

fan.

Absolutely, everything I have is Audible,

Kindle, and you could get it on Amazon, but then I don't get to

know who you are, because I don't get it by the buyer. So

just buy straight from us. This, we're just going to give you

this for free,

and they could then still go to Amazon, give it

a great review after they buy it. Then it's a win-win for

everyone involved. You good with that?

Always, I'm good with that. Yeah, okay.

I know you're a big fan of Brain Tap. I'm

uploading my content. I'm one of the few fully practitioners of

NLP timeline therapy. Timeline therapy, I trained with Richard

Bandler, like Patrick Porter did. I am literally interviewing

him on my shows. We're excited, and I want you to.. this is

in Brain Tap.

I love

it. Staffs in Brain Tap as well, and yeah,

we've had Brain Tap, and he's a client of mine, Patrick, and a

lot of his chiros. That's why we're having almost every event

that I do now is severely health and wealth. I mean, all the

sponsors are health related, so people have a great health

experience. They can brain tap, they can red light therapy. I

own a wellness center in Ohio with cryotherapy and all the

things and EE system, so we own all of that. So we're huge, you

know. We just.. I think you know that about me too. I don't just

talk, I walk the talk, I do the things, and do the same with

money and health. Looking

forward to our show together, and we're going

to make sure we share this with as many people as possible. I'm

going to be in Las Vegas at the Bellagio, july 6, seventh,

eighth, ninth with the author of The Comeback, Lee Steinberg. He

just signed Patrick Mahomes to, I think, a three $50,000,000.05

year contract, maybe it was 500 million.

He's always Lee's always been Mahomes, Lee

brought my home straight out of Texas Tech, and I've been to Lee

Steinberg's party. That's when, when Mahomes first came to

market with the Kansas City Chiefs, I was at that Super Bowl

party. Yeah. I

was just at a Super Bowl this year. I'm going

to be in LA at a Super Bowl party, and I'm going to be

speaking with my podcast at the Bellagios, right next to Lee

Steinberg. We're going to just nail it, so we'll put that in

the show notes too. Maybe you can join us down there and come

on my stage and interview you there in Vegas, one of your

private jets or helicopters.

I'll probably just have my daughter fly me

down.

Perfect. Love it, love it. Loral, you're amazing.

Love you. Let's make it happen for the guests. Thank you very

much. And what's the URL? What's the website?

You go to ask loral.com ask any question, make

a request, and we're back at you right away.

Perfect. Love it. Thank you very much.

Take care.

Thanks for listening to the Real Money Talks podcast.

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episode until next time,

you.