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Are hidden fees eating away at your investment returns? In this episode, Steven Arita sits down with Robert Rolih, author of The Million Dollar Decision, to talk about what really hurts long-term investors, and it’s not just the market. Robert shares how even a small 1% fee can quietly cost you hundreds of thousands (or more), why short-term trading usually backfires, and how you can build a simple, hands-off portfolio with just a couple of ETFs. Whether you’re focused on real estate or looking to clean up your stock market game, this episode will help you avoid common mistakes and feel more confident with your money.

Robert Rolih is the international bestselling author of The Million Dollar Decision: Get Out of the Rigged Game of Investing and Add a Million to Your Net Worth. After losing most of his wealth by following traditional financial advice, Robert spent seven years uncovering how the financial industry really works—and how everyday investors often get the short end of the deal. Born in a small village in Slovenia, he went on to become a successful entrepreneur and speaker, known for turning complex investing topics into simple, practical strategies. Today, Robert teaches investors how to protect their money, cut unnecessary fees, and build long-term wealth on their own terms. He’s been featured on CNBC, Yahoo Finance, Newsmax TV, and more, and has shared the stage with names like Robert Kiyosaki, Gary Vaynerchuk, and Jack Canfield.


Connect with Robert:
Website: https://robertrolih.com/
LinkedIn: https://www.linkedin.com/in/robert-rolih-685a6893/
FB: https://www.facebook.com/robert.rolih/
IG: https://www.instagram.com/robertrolih/
X: https://twitter.com/RobertRolih
YT: https://www.youtube.com/c/RobertRolih

Grab a copy: https://milliondollardecisionbook.com/

Episode highlights:
(0:00) Intro
(2:44) Robert’s story: from losing money to gaining everything back and more
(5:44) The real cost of 1% fees
(10:24) Why short-term trading rarely works
(19:05) The power of keeping your portfolio simple
(25:31) How to invest more safely (and why that wins long term)
(31:20) What a “1-hour-a-year” investing strategy looks like
(38:15) Robert’s advice to his younger self
(39:30) Where to find Robert
(40:11) Outro

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For more resources and guides, check these out:

• Investor 101 https://www.aritacapital.com/investor-101-resource/#
• Due Diligence Resource https://www.aritacapital.com/dd-checklist-resource/

If you want to learn more, reach out at:

Email: steven@aritacapital.com

LinkedIn: https://www.linkedin.com/in/aritasteven/

IG: https://www.instagram.com/the.real.arita

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What if everything you’ve been told about retirement is wrong? In this episode, Steven sits down with Chris Miles, also known as the “anti-financial advisor,” as he shares how most traditional financial advice keeps people stuck, even those doing all the “right” things. He opens up about watching his own dad follow the system only to retire on a tight budget, and why he walked away from his job as a financial advisor to build real, passive income instead. Chris breaks down how you can stop chasing net worth and start building income that gives you freedom now, not 30 years from now. If you’re tired of waiting to retire, this one’s for you.

Chris Miles is the founder of Money Ripples, an organization focused on helping entrepreneurs and professionals achieve financial freedom through cash flow strategies, alternative investments like real estate, and ditching traditional, slow financial planning for immediate "work optional" lifestyles. Known as the "Anti-Financial Advisor," he teaches how to build passive income, use life insurance strategically, and create a financial "ripple effect" for current income, not just future retirement. He hosts the popular Money Ripples Podcast, sharing insights from his journey from being deeply in debt to achieving financial independence multiple times.

Connect with Chris:
Website: https://moneyripples.com/
Facebook: https://www.facebook.com/moneyripples
X: https://twitter.com/Moneyripples
Youtube: https://www.youtube.com/@moneyrippleswithchrismiles
Instagram: https://www.instagram.com/chriscmiles/
LinkedIn: https://www.linkedin.com/in/chriscmiles/

Grab a copy: https://tinyurl.com/5n7r7r79


Episode highlights:
(0:00) Intro
(3:25) Who is Chris Miles, and why did he leave traditional finance
(4:03) The moment with his dad that changed everything
(5:56) The real reason most financial advisors aren't free
(10:45) What fiduciaries can and can’t do for you
(17:31) Why 401(k)s and “saving more” isn’t enough
(25:25) Why net worth doesn't equal freedom
(30:30) Chris’s 3-part strategy: Get Lean, Get Liquid, Get Out
(37:06) Smart ways to invest outside the stock market
(43:31) Infinite banking explained in simple terms
(51:30) Where to find Chris and grab the Work Optional Blueprint
(52:11) Outro

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For more resources and guides, check these out:

• Investor 101 https://www.aritacapital.com/investor-101-resource/#
• Due Diligence Resource https://www.aritacapital.com/dd-checklist-resource/

If you want to learn more, reach out at:

Email: steven@aritacapital.com

LinkedIn: https://www.linkedin.com/in/aritasteven/

IG: https://www.instagram.com/the.real.arita

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What if the best time to think about your goals is not when you are rushing into a new year, but when things finally slow down? In this holiday episode, Steven talks about setting goals from gratitude instead of pressure. When work eases up and life feels a little quieter, it is easier to step back and think about what actually matters to you. We walk through a simple goal-setting process you can come back to anytime, one that focuses on the kind of person you want to become, not just the boxes you want to check. We also talk about money, investing, and work as tools that support more time, freedom, and peace of mind. You will leave with clear steps to think about the next year, the next few years, and the long road ahead in a way that feels honest and doable.

Episode highlights:
(0:00) Intro
(0:44) Why the holidays are a great time to reflect
(1:17) Goals rooted in gratitude work better
(1:47) Why reviewing goals matters more than talent
(3:48) Identity, values, and long-term thinking
(11:05) Money as a tool, not the goal
(14:16) Create the space
(15:12) Get in the right state
(17:10) Prime your mind before asking
(21:14) Ask yourself the bigger question
(23:07) Capture everything
(23:59) Think across your core life areas
(25:50) Look at the actual time horizons
(29:01) Set goals with high energy
(30:33) Write down your wins first
(33:20) Real personal goals for the year ahead
(38:05) Outro

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For more resources and guides, check these out:

• Investor 101 https://www.aritacapital.com/investor-101-resource/#
• Due Diligence Resource https://www.aritacapital.com/dd-checklist-resource/

If you want to learn more, reach out at:

Email: steven@aritacapital.com

LinkedIn: https://www.linkedin.com/in/aritasteven/

IG: https://www.instagram.com/the.real.arita

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What if you could learn how the Hilton family invests, and apply some of those same strategies to your own money, even if you're not a millionaire? In this episode, Steven Arita chats with Mark Miller, co-founder of Hilton Tax and Wealth Advisors. Mark has spent decades working with the Hilton family office, and now he’s on a mission to bring those smart money principles to everyday investors. They talk about how wealthy families protect and grow their money, how retail investors are being steered wrong, and what you can do differently, even if you're just getting started with a $250K portfolio. If you care about building wealth and leaving a legacy, this one's for you.

Mark Miller is a veteran in the tax and financial services world, with over 30 years of experience helping business owners, physicians, executives, and high-net-worth individuals grow and protect their wealth. From building smart investment portfolios to cutting taxes and preserving family legacies, Mark has guided hundreds of clients through both good and challenging times.

He’s the best-selling author of Hilton Wealth: How to Invest Like an American Dynasty, where he breaks down how the Hilton family and other elite investors build wealth and often pay little to no taxes — and how everyday investors can apply the same strategies. Mark has been featured in over 200 media outlets including Money Magazine, Kiplinger, Fox News, and The New York Times. He’s also a recipient of the Presidential Businessman of the Year award and holds Ethics Approved status with the IARFC.

Connect with Mark:
Website: https://www.hiltonwealth.com/
LinkedIn: https://www.linkedin.com/in/markmiller-hiltonfo/

Grab a copy: Hilton Wealth – How to Invest Like an American Dynasty


Episode highlights:
(0:00) Intro
(4:11) Who is Mark Miller?
(6:04) What is a family office and why does it matter?
(11:31) What smart money does that most people don’t
(15:57) A simple breakdown of how wealthy people invest
(25:04) Why patience and discipline matter in investing
(29:42) How wealthy families think about legacy
(36:16) The mindset shift new clients need to make
(41:43) How smart money avoids high fees
(45:42) Free book info and where to learn more
(47:19) Outro

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For more resources and guides, check these out:

• Investor 101 https://www.aritacapital.com/investor-101-resource/#
• Due Diligence Resource https://www.aritacapital.com/dd-checklist-resource/

If you want to learn more, reach out at:

Email: steven@aritacapital.com

LinkedIn: https://www.linkedin.com/in/aritasteven/

IG: https://www.instagram.com/the.real.arita

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How does someone go from being an overworked civil engineer to building a $2 billion real estate portfolio? In this episode, Steven sits down with Lane Kawaoka as he shares his surprisingly relatable story. Lane breaks down how one simple rental in Seattle led to a whole new way of thinking about money, freedom, and how tech and engineering pros can get ahead faster by doing things differently. We talk about his Wealth Elevator framework, how to avoid the trap of traditional investing advice, and why buying one rental at a time might not be the best move if you're already earning well. If you're trying to figure out what to do with your income besides working harder, this one’s for you.

Lane Kawaoka is a former civil engineer turned full-time real estate investor and entrepreneur. After growing tired of the 9-to-5 grind, Lane began investing in rental properties and eventually built a portfolio of over 10,000 units across the U.S., managing more than $2 billion in assets. He is the founder of The Wealth Elevator, a private community for high-income professionals looking to build passive income through real estate and alternative investments. Lane has helped over 1,000 investors move from active income to financial freedom, and he’s passionate about making wealth-building simple and accessible—especially for tech and engineering professionals. He’s also the author of The Wealth Elevator, where he outlines the stages of financial growth and how to avoid common mistakes along the way.

Connect with Lane:
Website: https://thewealthelevator.com/
LinkedIn: https://www.linkedin.com/in/lanekawaoka/
Facebook: https://www.facebook.com/SimplePassiveCashflowdotcom
Email: lane@thewealthelevator.com

Grab a copy: https://thewealthelevator.com/home/book/


Episode highlights:
(0:00) Intro
(0:50) Lane’s background: from engineer to real estate investor
(4:52) Lane’s journey from first rental to $2B in assets
(10:36) Should accredited investors buy single-family rentals?
(13:56) Wealth Elevator framework explained
(20:17) Single asset vs fund investing
(26:37) How to spot red flags in deals
(34:34) Reaching true financial freedom
(42:29) Rethinking 401(k)s and retirement strategies
(47:42) Lane’s personal investing “aha” moments
(52:32) Where to get The Wealth Elevator and connect with Lane
(53:39) Outro

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For more resources and guides, check these out:

• Investor 101 https://www.aritacapital.com/investor-101-resource/#
• Due Diligence Resource https://www.aritacapital.com/dd-checklist-resource/

If you want to learn more, reach out at:

Email: steven@aritacapital.com

LinkedIn: https://www.linkedin.com/in/aritasteven/

IG: https://www.instagram.com/the.real.arita

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What does it take to walk away from a 14-year-old business and fully commit to passive real estate investing? In this episode, Steven chats with Ian Noble, founder of RunSteady Investments, as he shares how he scaled a 14-location service business in Austin, led 90+ employees, and ultimately exited in 2023. Now fully focused on helping others invest passively in real estate funds, like mobile home parks and private credit, Ian breaks down what he looks for in deals, why partnerships matter, and the shift from “doing it all” to trusting others with your capital. He also touches on real estate as a tool for tax strategy, creating time freedom, and making smarter decisions as a family. Whether you're in tech, running a business, or just trying to make your money work harder, Ian’s journey offers real, relatable lessons.

Ian Noble is the founder of RunSteady Investments and a former small business owner who successfully scaled and exited a 14-location service company in Austin, Texas, after 14 years in operation. With over a decade of experience in real estate investing, Ian now helps individuals invest passively in real estate funds, including mobile home parks, self-storage, and private credit. His personal portfolio includes residential, commercial, and syndicated investments across Texas and Colorado. Today, his focus is on helping busy professionals and business owners build wealth and time freedom through low-risk, well-vetted real estate opportunities.

Connect with Ian:
Website: https://runsteadyinvestments.com/
LinkedIn: https://www.linkedin.com/in/iannoble1/
Instagram: @ian_invests

Join Ian’s Passive Investor Mailing List: runsteadyinvestments.com/investor-club

Get his Investor Q&A cheat sheet: https://go.runsteadyinvestments.com/passive-investor-cheat-sheet405547


Episode highlights:
(0:00) Intro
(0:52) Meet Ian Noble and his business background
(5:05) Starting from the bottom, pressing clothes to running operations
(7:16) Early real estate investing in Austin
(12:01) What passive investing really means
(15:05) Time freedom, parenting, and seasons of life
(15:22) Lessons from being a business bottleneck
(22:00) How Ian vets deals and protects investor capital
(28:54) Building a trusted investor network
(33:04) Matching deals with investor goals
(46:10) Why financial decisions should be made together
(48:22) Financial literacy, relationships, and long-term wealth
(52:26) Where to connect with Ian and download his free investor c

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For more resources and guides, check these out:

• Investor 101 https://www.aritacapital.com/investor-101-resource/#
• Due Diligence Resource https://www.aritacapital.com/dd-checklist-resource/

If you want to learn more, reach out at:

Email: steven@aritacapital.com

LinkedIn: https://www.linkedin.com/in/aritasteven/

IG: https://www.instagram.com/the.real.arita

Send us a text

What if gratitude wasn’t just a “feel-good” exercise, but the key to seeing your life clearly? In this personal and real episode, Steven opens up about the kind of gratitude that actually means something, not the checklist kind, but the type that comes from lived experiences, growth, pain, and the people who showed up along the way. He shares what he's most thankful for this year: from his health and family to early job breaks, the wild ride at Amazon, his relationship, and the raw challenges that shaped him. If you’re growth-minded, curious, and want to build something that matters, this one’s for you. Expect some laughs, a few deep thoughts, and lots of real talk.


Episode highlights:
(0:00) Intro
(0:48) Not your typical gratitude talk
(2:16) Why just being here is worth a thank you
(3:40) Health: movement, breath, fitness, and blood tests
(7:00) Family, real talk, and how many times you actually have left
(10:16) Relationship and the rare feeling of being seen and supported
(11:17) Early jobs, tool belts, drum sets, and small-town breaks
(14:47) Amazon career growth: 5 roles, 10 years, all-in curiosity
(16:51) Challenges: the hard stuff that made him better
(17:56) Coaches, mastermind groups, and paying for the room
(19:43) Curiosity: the inner engine that won’t quit
(20:38) Aritaa Capital and why purpose is something you build
(22:54) Momentum, systems, leadership, and what’s next
(23:34) Final thought: Gratitude isn’t a list, it’s how you look at life
(24:31) Outro

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For more resources and guides, check these out:

• Investor 101 https://www.aritacapital.com/investor-101-resource/#
• Due Diligence Resource https://www.aritacapital.com/dd-checklist-resource/

If you want to learn more, reach out at:

Email: steven@aritacapital.com

LinkedIn: https://www.linkedin.com/in/aritasteven/

IG: https://www.instagram.com/the.real.arita

Send us a text

Think your W-2 income is safe once you invest in real estate? Think again. In this episode, Rich Dad Advisors Garrett and Ted Sutton join Steven to break down exactly how tech professionals can protect their assets before problems happen. From the right way to use LLCs, to why insurance alone isn’t enough, this father-son legal team shares clear, practical strategies every investor should know. Plus, hear about their upcoming financial education projects, including a law book for teens, narrated by a golden doodle. Whether you own one rental or ten, this episode could save you thousands (and a lawsuit).

Connect with our guests:

Facebook @corporatedirect

Instagram @corporatedirect

YouTube - TENERO and Garrett Sutton

https://www.youtube.com/@TeneroOfficial

https://www.youtube.com/c/GarrettSutton

Twitter / X @GarrettSutton

LinkedIn - Garrett Sutton https://www.linkedin.com/in/garrettsutton/

LinkedIn - Ted Sutton https://www.linkedin.com/in/ted-sutton-esq-703493116/

Episode highlights:

(1:14) Why asset protection is critical for investors

(11:01) What is an LLC, and why every property shouldn’t be in the same one

(15:21) Should you invest in syndications through your name or an LLC?

(18:08) The charging order: how it protects your assets after a lawsuit

(24:07) How in-state LLCs and Wyoming holding LLCs work together

(28:28) Can you move an existing property into an LLC after purchase?

(30:00) Insurance tips most investors forget when using LLCs

(47:16) Why annual LLC maintenance matters, and how most people mess it up

(50:01) A law book for teens? Ted’s new legal literacy project

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Share this with your tech friends who you think will benefit from this podcast. Please also rate and subscribe so this podcast can reach more audiences.

For more resources and guides, check these out:

• Investor 101 https://www.aritacapital.com/investor-101-resource/#
• Due Diligence Resource https://www.aritacapital.com/dd-checklist-resource/

If you want to learn more, reach out at:

Email: steven@aritacapital.com

LinkedIn: https://www.linkedin.com/in/aritasteven/

IG: https://www.instagram.com/the.real.arita