The IRA Cafe
The IRA Cafe
Podcast Description
Welcome to The IRA Café, the podcast where retirement planning feels as warm and inviting as your favorite coffee shop. Hosted by Jasmine Trocchia of American IRA, this show is all about making your financial future approachable, empowering, and maybe even a little fun.
When you’re saving for retirement, you’re investing—it’s as simple as that. But did you know you have a choice about what your money is invested in? While most traditional plans keep your funds in the stock market through mutual funds and individual stocks, sometimes it pays to think outside the stock market. That’s where The IRA Café comes in.
This podcast is your guide to exploring alternative investments through self-directed IRAs. Whether you’re a beginner dipping your toes into retirement planning, an experienced saver ready to diversify, or an entrepreneur looking for innovative ways to grow your wealth, this show is for you.
Our mission is simple: to demystify alternative investing and make it accessible to everyone. Each episode breaks down the intimidating concepts of self-directed IRAs and opens the door to exciting opportunities like real estate, private equity, precious metals, venture capital, hedge funds, oil and gas interests, private lending portfolios, and more.
But it’s not just about the technical details—we’re here to change how you think about your money. We’ll share real-life success stories, actionable strategies, and insights that fit your unique financial journey. With straightforward tips and zero financial jargon, we make retirement planning feel like a conversation with a friend.
Whether your dream retirement includes financial independence, the freedom to travel, or the chance to leave a legacy for your loved ones, The IRA Café will help you get there. Tune in every other week as we break down the rules of self-directed IRAs, explore creative investment options, and make planning your financial future a little easier—and a lot more enjoyable.
Your path to retirement should be as unique as you are, and The IRA Café is here to help you chart the course. Pull up a chair, grab your favorite brew, and join us for a fresh take on retirement planning.
Podcast Insights
Content Themes
The podcast discusses alternative investments through self-directed IRAs, covering topics such as real estate trends, private equity, and personal finance strategies, with examples including detailed discussions on the benefits of debt validation funds and the current rental market dynamics.
Welcome to The IRA Café, the podcast where retirement planning feels as warm and inviting as your favorite coffee shop. Hosted by Kyle Moody of American IRA, this show is all about making your financial future approachable, empowering, and maybe even a little fun.
When you’re saving for retirement, you’re investing—it’s as simple as that. But did you know you have a choice about what your money is invested in? While most traditional plans keep your funds in the stock market through mutual funds and individual stocks, sometimes it pays to think outside the stock market. That’s where The IRA Café comes in.
This podcast is your guide to exploring alternative investments through self-directed IRAs. Whether you’re a beginner dipping your toes into retirement planning, an experienced saver ready to diversify, or an entrepreneur looking for innovative ways to grow your wealth, this show is for you.
Our mission is simple: to demystify alternative investing and make it accessible to everyone. Each episode breaks down the intimidating concepts of self-directed IRAs and opens the door to exciting opportunities like real estate, private equity, precious metals, venture capital, hedge funds, oil and gas interests, private lending portfolios, and more.
But it’s not just about the technical details—we’re here to change how you think about your money. We’ll share real-life success stories, actionable strategies, and insights that fit your unique financial journey. With straightforward tips and zero financial jargon, we make retirement planning feel like a conversation with a friend.
Whether your dream retirement includes financial independence, the freedom to travel, or the chance to leave a legacy for your loved ones, The IRA Café will help you get there. Tune in every other week as we break down the rules of self-directed IRAs, explore creative investment options, and make planning your financial future a little easier—and a lot more enjoyable.
Your path to retirement should be as unique as you are, and The IRA Café is here to help you chart the course. Pull up a chair, grab your favorite brew, and join us for a fresh take on retirement planning.
Download Our Free Guide to Self Directed IRAs!
Want to use a loan to buy real estate inside your self-directed IRA? In this episode of the IRA Cafe, Gregory Emmer of EquityMax explains the only kind of loan an IRA can use: the non-recourse loan.
Gregory covers why the lender cannot come after the investor personally, why most hard money lenders will not make these loans, how a family-owned private lender that keeps its own loans differs from one that sells them, and the kinds of properties that can still be financed, from rural homes and manufactured homes on deeded land to construction that needs to be finished.
Host Kyle Moody explains UDFI, the unrelated debt-financed income tax that can apply when an IRA uses leverage, with a simple example, and why a solo 401(k) is treated differently. American IRA is the administrator and New Vision Trust Company is the custodian. Neither picks your property or your lender, and the tax details belong with your CPA.
About the guest
Gregory Emmer is a Florida licensed real estate broker and mortgage loan originator who has worked at EquityMax since 2008, where he helped grow its lending from 6 states to 47 with loan programs for real estate investors.
Chapters:
- 0:00 Intro
- 4:21 Inside a Family Owned Private Lender
- 8:12 Non-Recourse Loans on Niche Properties
- 10:36 Private Lender vs Hard Money Lender
- 13:23 Why Most Lenders Will Not Do Non-Recourse
- 18:54 What Kinds of Properties Get Financed
- 21:57 Finishing a Construction Project in an IRA
- 23:26 What First Time IRA Borrowers Need to Know
- 24:45 Why the Lender Cannot Come After You
- 27:18 Do Non-Recourse Loans Cost More?
- 30:27 The UDFI Tax on Leveraged IRA Real Estate
- 34:25 Is a Solo 401(k) Subject to UDFI?
- 36:10 Using Leverage to Do More Than One Deal
- 42:25 Cover Your Downside: Keep a Rainy Day Fund
Subscribe to the IRA Cafe wherever you listen for more conversations on self-directed IRAs.
American IRA, LLC. Self-directed IRA administration since 2004.
americanira.com | 828-412-8123 | [email protected]
American IRA, LLC is a third-party administrator of self-directed retirement accounts; New Vision Trust Company is the custodian. Nothing in this episode is investment, tax or legal advice, and American IRA does not recommend, vet or endorse any investment. Guests speak for themselves. The IRA Cafe is educational only: talk to your own tax and legal professionals before you act.
Disclaimer
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