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Nobody Told You This

Nobody Told You This

Written by: Scott Zimmerman
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Nobody Told You This with Scott Zimmerman is a podcast for business owners, entrepreneurs, and anyone looking to design the life they truly want. Through free-flowing conversations with experts, entrepreneurs, and diverse voices, Scott uncovers the hidden gems, untold stories, and hard-earned lessons that shape personal and professional growth. Each episode offers insight, inspiration, and practical takeaways to help you plan your next move and build a future with intention.Scott Zimmerman Economics Leadership Management & Leadership
Episodes
  • Episode 4: The Mortgage Strategies Wealthy People Have Used For Decades

    Episode 4: The Mortgage Strategies Wealthy People Have Used For Decades
    Oct 13 2026

    Most people get a mortgage, sign the paperwork, and spend decades making payments without ever understanding the options available to them. They choose the loan they are offered, not always the loan strategy that fits their goals.

    In this episode of Nobody Told You This, Scott Zimmerman sits down with Brad Rice, a mortgage expert with more than 30 years of experience, to uncover the mortgage strategies most people never learn about. Brad explains why a traditional 30-year fixed mortgage may not always be the best option, how adjustable-rate mortgages can be a powerful financial tool, and why wealthy individuals have used leverage as part of their financial strategy for decades.

    Scott and Brad also discuss alternative mortgage options for business owners and investors, including non-QM loans, bank statement loans, and DSCR loans. They break down how interest rates actually work, why waiting for rates to drop may not always make sense, and what buyers should consider before making their next move.

    Brad also shares the truth about reverse mortgages, explaining how they work, who they can help, and why they are often misunderstood. This conversation reveals the mortgage knowledge many homeowners only discover after making costly mistakes.


    Our Guest

    Brad Rice has been working in the mortgage industry since 1993 and has spent decades helping homeowners, investors, and business owners navigate the complexities of mortgage lending.

    Throughout his career, Brad has worked with a wide range of mortgage products and specializes in helping borrowers understand options beyond traditional loans. From adjustable-rate mortgages and non-QM loans to investment property financing and reverse mortgages, Brad brings years of experience helping people make more informed decisions about real estate and financing.

    In this episode, Brad shares the mortgage strategies, loan options, and financial insights that many homeowners never hear about.


    In this episode, you’ll learn

    • Why most people choose a mortgage without understanding all their available options

    • How adjustable-rate mortgages can be a powerful financial tool when used correctly

    • What self-employed borrowers need to know about alternative mortgage programs

    • How non-QM loans, bank statement loans, and DSCR loans work

    • Why waiting for lower interest rates may not always be the best strategy

    • How mortgage points, rates, and refinancing decisions impact homeowners

    • The truth about reverse mortgages and who they can help

    • Brad’s biggest mortgage advice for first-time buyers and homeowners


    Timestamps

    • 00:00: The mortgage mistakes most people make

    • 02:27: Fixed vs adjustable-rate mortgages

    • 04:14: How the wealthy use mortgage leverage

    • 08:33: Understanding mortgage points

    • 11:25: Mortgage options for self-employed borrowers

    • 14:07: How DSCR loans work

    • 16:46: Should buyers wait for lower rates?

    • 22:56: “Marry the house, date the rate”

    • 26:25: Reverse mortgages explained

    • 35:27: Brad’s biggest mortgage advice

    • 37:26: Connecting with Brad Rice


    Resources and links

    Brad Rice

    • Website: https://amerifund.com/team/brad-rice/

    • LinkedIn: https://www.linkedin.com/in/bradrice


    Scott Zimmerman

    • Website: https://scottzim.com/

    • LinkedIn: https://www.linkedin.com/in/scott-zimmerman-9463a12

    • YouTube: https://www.youtube.com/channel/UC-VFHmgfeiJrwmTjyw6l5wQ

    • Apple Podcasts: https://podcasts.apple.com/us/podcast/nobody-told-you-this/id6805991169

    • Spotify: https://open.spotify.com/show/5OLlZNyzC4IM4S6WRbbgJH?si=537266a3e47d406e
    Show More Show Less
    36 mins
  • Episode 3: Nobody Talks About This Until It’s Too Late

    Episode 3: Nobody Talks About This Until It’s Too Late
    Oct 6 2026

    Most people spend their lives building a family, creating memories, and preparing for the future. But very few take the time to prepare their loved ones for what happens when they are no longer there.

    In this episode of Nobody Told You This, Scott Zimmerman sits down with Rabbi Mark Blazer, founder of Final Peace, to discuss the importance of legacy planning and why families often face unnecessary confusion during one of the most difficult moments of their lives. After years of officiating more than 800 funerals, Mark saw the same problem repeatedly: families searching for documents, financial information, final wishes, and answers when they were already grieving.

    Mark shares the story behind creating Final Peace, a platform designed to help individuals and families securely organize important documents, legal information, personal instructions, and meaningful messages for their loved ones. The goal is simple: create clarity instead of confusion when families need it most.

    Scott and Mark discuss why preparing your legacy is not about focusing on death, but about showing love, responsibility, and care for the people you leave behind. From wills and trusts to personal messages and ethical wills, this conversation explores how planning ahead can give families peace of mind.


    Our Guest

    Mark Blazer is a Rabbi, television producer, entrepreneur, and longtime Jewish communal leader. He serves as Senior Rabbi of Temple Beth Ami in Southern California and is President of Jewish Life Foundation, which operates JLTV, Jewish Life Television. He is also a founder of FinalPeace, an innovative digital legacy-planning platform designed to help people organize their wishes, important documents, legal planning, and personal messages so the people they love aren't left searching for answers during life's most difficult moments.


    In this episode, you’ll learn

    • Why Rabbi Mark Blazer created Final Peace after decades of helping families through loss

    • Why most families struggle to find important documents and information when they need it most

    • How Final Peace helps organize wills, wishes, financial information, and personal messages in one secure place

    • Why legacy planning is an act of love that can prevent family conflict and confusion

    • The importance of leaving behind not just assets, but your values, lessons, and memories

    • Why preparing your legacy today can give your family peace of mind tomorrow


    Timestamps

    • 00:00: The conversation most families avoid

    • 01:08: Introducing Rabbi Mark Blazer

    • 04:15: The moment that shaped Mark’s calling

    • 06:52: Why Mark created Final Peace

    • 07:31: What is Final Peace?

    • 10:43: The problem Mark saw in 95% of funerals

    • 15:33: Scott’s experience using Final Peace

    • 18:28: The importance of ethical wills

    • 20:36: Creating wills and protecting your wishes

    • 23:45: Why nobody talks about legacy planning

    • 25:43: Why planning creates peace of mind

    • 28:51: Why planning is an act of love

    • 29:53: The meaning behind Final Peace

    • 32:17: Final Peace as an employee benefit

    • 33:13: The legacy you leave behind


    Resources and links


    Mark Blazer

    • Final Peace: https://finalpeace.co/

    • LinkedIn: https://www.linkedin.com/in/mark-blazer-1993751b8


    Scott Zimmerman

    • Website: https://scottzim.com/

    • LinkedIn: https://www.linkedin.com/in/scott-zimmerman-9463a12

    • YouTube: https://www.youtube.com/channel/UC-VFHmgfeiJrwmTjyw6l5wQ
    Show More Show Less
    30 mins
  • Episode 2: The Lessons From Tesla, Podcasting, and Building Something Meaningful

    Episode 2: The Lessons From Tesla, Podcasting, and Building Something Meaningful
    Sep 29 2026
    For years, Billy Samoa has followed an unconventional path, moving from filmmaking to Tesla leadership and eventually building Podify, a company helping entrepreneurs, experts, and businesses create successful podcasts. Throughout each chapter of his career, one theme remained consistent: creating meaningful experiences through storytelling and connection.In this episode of Nobody Told You This, Scott Zimmerman sits down with Billy to explore the lessons behind building a podcast, finding the right audience, and creating content that stands out. Billy shares how his experiences in film production, employee training at Tesla, and launching his own podcast shaped the way he thinks about communication and storytelling.From understanding why research creates better conversations to explaining why podcasting is still in its early stages, Billy shares practical advice for anyone thinking about starting a show. He also discusses the future of video podcasting, the biggest mistakes creators make, and the lessons he wishes someone had told him earlier about mentorship, ownership, and surrounding yourself with the right people.Our GuestBilly Samoa Saleebey is the founder of Podify, a company focused on helping individuals and businesses launch, produce, and grow podcasts.Before building Podify, Billy spent years working in media, filmmaking, and corporate leadership. He created the documentary-style film Rolling before moving into the corporate world, where he worked at SolarCity and Tesla in learning, development, sales, and product training roles.His career has centered around one common theme: creating experiences that help people learn, connect, and share ideas. Through Podify, Billy combines his creative background with his experience in communication, storytelling, and audience development to help others build podcasts that create meaningful impact.In this episode, you’ll learnHow Billy went from filmmaker to Tesla executive to podcast entrepreneurWhy research equals respect and how preparation creates better conversationsThe lessons Billy learned from creating films and training teams at TeslaWhy podcasting is still in its early stages and why great stories will always stand outWhy creators should stop waiting for perfection and simply start creatingHow to identify the unique concept or “it factor” behind a successful podcastWhy understanding your audience is one of the most important parts of building a showHow video podcasting is changing the future of content creationThe biggest mistakes new podcasters make and how to avoid themWhy strong introductions and audience retention are critical for podcast growthHow Podify helps creators launch and build podcasts from concept to executionWhy mentors, advisors, and the people around you play an important role in successThe importance of ownership, investing, and building assets beyond trading time for moneyTimestamps00:00: Welcome to Nobody Told You This and Billy Samoa introduction02:25: Why research equals respect03:18: Billy’s journey from filmmaking to Tesla to Podify08:57: Why it’s not too late to start a podcast12:06: Building and launching a successful podcast15:26: The future of podcasting and video content19:07: The biggest mistakes podcasters make21:44: Handling mistakes and regrets25:44: Billy’s advice for better podcast interviews29:32: Inside Podify’s podcast launch process32:46: The lessons nobody told Billy earlier36:58: What’s next for PodifyResources and linksBilly Samoa SaleebeyLinkedIn: https://www.linkedin.com/in/billysamoaInstagram: https://www.instagram.com/billysamoa/?hl=enFacebook: https://www.facebook.com/billysaleebey/YouTube: https://www.youtube.com/@BillySamoaTwitter/X: https://www.youtube.com/@BillySamoaScott ZimmermanWebsite: https://scottzim.com/LinkedIn: https://www.linkedin.com/in/scott-zimmerman-9463a12YouTube: https://www.youtube.com/channel/UC-VFHmgfeiJrwmTjyw6l5wQ
    Show More Show Less
    39 mins
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