This week on The Street Smart Millionaire, Rick Ruby sits down with one of the top coaches at The CORE Training — Julie Johnson.
With nearly three decades of experience, Julie has built one of the most trusted and consistent businesses in the mortgage industry. She leads a high-performing branch, manages top-producing realtors, and coaches others to do the same.
In this powerful episode, Julie shares:
Julie’s story is proof that long-term success comes from discipline, process, and building relationships that last.
👉 Watch Julie’s Episode Now: https://youtu.be/mBd0Teci_A0
The Street Smart Millionaire Podcast
Hosted by Rick Ruby | The CORE Training
This week on The Street Smart Millionaire, Rick Ruby sits down with one of the top coaches at The CORE Training — Julie Johnson.
With nearly three decades of experience, Julie has built one of the most trusted and consistent businesses in the mortgage industry. She leads a high-performing branch, manages top-producing realtors, and coaches others to do the same.
In this powerful episode, Julie shares:
Julie’s story is proof that long-term success comes from discipline, process, and building relationships that last.
👉 Watch Julie’s Episode Now: https://youtu.be/mBd0Teci_A0
The Street Smart Millionaire Podcast
Hosted by Rick Ruby | The CORE Training
This week on The Street Smart Millionaire, Rick Ruby sits down with one of the top coaches at The CORE Training — Julie Johnson.
With nearly three decades of experience, Julie has built one of the most trusted and consistent businesses in the mortgage industry. She leads a high-performing branch, manages top-producing realtors, and coaches others to do the same.
In this powerful episode, Julie shares:
Julie’s story is proof that long-term success comes from discipline, process, and building relationships that last.
👉 Watch Julie’s Episode Now: https://youtu.be/mBd0Teci_A0
The Street Smart Millionaire Podcast
Hosted by Rick Ruby | The CORE Training
🎙️ Street Smart Millionaire with Jackson Thomas
In this week’s episode, Rick Ruby interviews Jackson Thomas, a longtime client turned top producer, who went from struggling in 2016 to closing $110M in loans a year and earning $1.7–$2M annually.
Inside the conversation:
This is a story of hard work, faith, and relentless drive — and the blueprint for anyone chasing the millionaire path.
🎧 Watch the Full Episode on YouTube →
P.S. Rick & Jackson will both be at The Summit, November 5–7. If you’re a lender or Realtor® doing $25M+ a year, don’t miss your chance to be in the room.
🎙️ Street Smart Millionaire with Rick Ruby & Greg Gale
This week, Rick Ruby sits down with longtime student and CORE Coach Greg Gale from Scottsdale, AZ to break down the difference between chasing “bigger” vs. getting better.
Inside this episode:
🎧 Listen to the Full Episode Here → https://youtu.be/twQceHx3MY0
🚨 Don’t Miss This — September 2nd Webinar
Join CORE Coach & Top-Producing Realtor Ragan McKinney for a FREE live webinar:
“Master Social Media for Real Estate Success”
✅ Learn the exact strategies Ragan uses to attract qualified buyers & sellers
✅ How to position yourself as the go-to expert in your market
✅ Simple content ideas that drive real engagement
📅 Tuesday, September 2nd
🕒 12:30 PM EST | 9:30 AM PST
Already 314+ registered in 1 week — save your seat now:
In this episode, Rick Ruby sits down with client and CORE Coach Patrick Langhans to break down how he:
✅ Went from $170K to $1M+ in income — six years running
✅ Runs a tight, process-driven business that closes 20+ deals a month
✅ Built wealth through consistency, discipline, and structure
✅ Cultivates deep relationships with high-level Realtor partners
✅ Uses coaching to stay accountable and keep growing
Plus:
The real ROI of being coached hard
Why fewer referral partners = more money
How saving 20% of your income for 30 years will make you rich
And what it means to do life with your business partners
If you're a Realtor, lender, or entrepreneur chasing elite-level results — this is one you can't afford to miss.
🎧 Watch or Listen Now
📢 NEW EPISODE — #25
🔗 Watch the full episode now. https://www.youtube.com/watch?v=oItQEV9eC_I
🎙️ THE STREET SMART MILLIONAIRE
Guest: Eric Kulbe
🔥 From pro baseball to mortgage powerhouse.
💼 From call center grind to company ownership.
📈 From 4 closings to 255 per month.
In this episode, Rick Ruby sits down with his top-performing “Gladiator” — a man who's closed over 15+ years at $1M+ income, built a 300-LO empire, and still finds time to coach his daughter’s team.
Topics Covered:
✅ Call center roots and the discipline of repetition
✅ Why great businesses require structure and accountability
✅ Building a winning culture and a scalable mortgage company
✅ Fitness, faith, family — how to balance it all
✅ The "bigger pile theory” and only learning from results
💡 “Leadership isn’t about being good enough. It’s about doing good enough.” — Rick Ruby
#MortgageCoaching #TheStreetSmartMillionaire #EricKulbe #RickRuby #SynergyOneLending #RealEstateCoach #LoanOfficerLife #PodcastClip #SalesDiscipline #HighPerformanceCulture #EliteCoaching
Visit us online today at https://www.thecoretraining.com to learn more about how The CORE Training Inc can transform your mortgage or real estate business.
Don’t forget to follow us on social media!
LIKE us on Facebook ---- https://www.facebook.com/TheCORETraining & https://www.facebook.com/TheCoreRE
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Follow us on LinkedIn ---- https://www.linkedin.com/company/the-core-training-inc
Sign Up for our Sales Mega Marathon ---- https://www.coremegamarathon.com
Check out our SUMMIT Events! ---- https://www.thecoretraining.com/thesummit/
Shop our store! --- https://shop.thecoretraining.com/
What’s the REAL game plan for wealth, balance, and legacy?
This week on The Street Smart Millionaire, Rick Ruby opens up about:
If you’re not building your financial future with intention… you’re falling behind.
Watch the full episode now and take control of the second half of your year.
#Wealth #Legacy #LifeBalance #FinancialFreedom #StreetSmartMillionaire #RickRuby #TrustPlanning #MillionaireMindset #PodcastClip #FinanceTips #Leadership
Millionaire Moves in Mortgage
This week on The Street Smart Millionaire, we’re sitting down with Ryan Buckholdt of CrossCountry Mortgage — one of the sharpest minds in the game.
💬 From scaling a high-performance team to dominating in competitive markets, Ryan shares the exact mindset and moves that separate top producers from the rest.
What you’ll hear:
✅ Real talk about leadership
✅ Tactical strategies for deal flow
✅ How to thrive when others stall
📈 If you’re in real estate or lending, this is the episode you don’t skip.
🎧 Now streaming everywhere — Apple, Spotify, YouTube
#StreetSmartMillionaire #MortgageSuccess #RealEstatePodcast #CoreTraining #RyanBuckholdt #CrossCountryMortgage #TopProducerTips
What does it really take to build lasting wealth and live a balanced life?
In this episode of The Street Smart Millionaire, Rick Ruby breaks it all down—from life on the farm with his grandkids to managing $81 million in closings and leading over 2,000 coaching clients.
Here’s what he covers:
Whether you’re a business owner, salesperson, or someone just trying to figure out the next move—this episode will help you get focused, build a plan, and take control.
🎯 Vision.
📊 Strategy.
🧠 Mindset.
💼 Execution.
#StreetSmartMillionaire #RickRuby #TheCORETraining #WealthAndBalance #MindsetMatters #BusinessGrowth #FinancialFreedom
💥 New Episode of Street Smart Millionaire 💥
🎥 Watch now: https://www.youtube.com/watch?v=wCEI5DXvGNE
📞 Book a Free Coaching Call: https://thecoretraining.lpages.co/mortgage-real-estate-coaching-free-consultation-2025/
Meet Damien — a third-generation plumber who's built a $2M net profit business while staying in shape, raising a family, and staying grounded in faith.
✅ Runs a team of 25+ plumbers
✅ Expanded into multiple cities
✅ Balances business, fitness, and family
✅ Shares real lessons on leadership and discipline
This episode is packed with practical takeaways. Watch now and get inspired.
#StreetSmartMillionaire #TheCORETraining #PlumbingBusiness #Entrepreneurship #BlueCollarSuccess #BusinessCoaching #WorkLifeBalance #LeadershipInTrades
💼 Ready to build real wealth and real character? Get a FREE consultation now: https://thecoretraining.lpages.co/mortgage-real-estate-coaching-free-consultation-2025/
How did I go from a broke, troubled dropout…
To a financially free, purpose-driven leader?
Simple: I chased the right mentors.
Men in great shape.
People with healthy marriages.
Leaders with real money, strong faith, and big vision.
Stop avoiding greatness—pursue it.
The right people will change your life if you let them.
#StreetSmartMillionaire #RickRuby #MentorshipMatters #SelfMade #BusinessGrowth #FaithAndFinance #MillionaireMindset #CoreTraining #WealthTips #FreeConsultation #PersonalDevelopment #SalesLeader #PodcastContent
The people who win in this business aren't the quiet ones—they're the ones who stay close to the money.
✅ They bug their coach.
✅ They push their regional.
✅ They call top producers daily.
You want more? Be a pest. Ask. Follow up. Show up.
This isn’t about charm—it’s about action.
Realtors doing $6M–$30M. Loan reps doing $10M+.
That's the target. Now go hunt.
#SalesStrategy #MortgageCoach #RealEstateTips #CORETraining #MillionaireMindset #TopProducer #CoachRickRuby #WealthBuilding #SalesTactics #HighPerformance #NoExcuses #BeRelentless
What’s the point of building wealth if you lose yourself doing it?
This isn’t just another hustle-hard speech. It’s about balance—the kind that actually keeps you sane while leading, scaling, and dominating your goals.
In this clip, we go deep on the real habits of high performers:
✔️ Starting the day with Bible study and John Maxwell
✔️ Prioritizing time with family while running multiple companies
✔️ Investing in the market and still keeping your mental health in check
✔️ Practicing equality and humility as a leader—regardless of income
✔️ Finding joy in the small things: fast cars, farm work, poker nights
Too many people chase capitalism with no brakes. That’s not leadership—that’s burnout. True power is building legacy and staying grounded.
If you're scaling a business, growing a team, or just trying to keep your head above water—watch this. Because balance isn't a luxury, it’s a requirement if you want to last.
🔥 Let me ask you: What keeps you balanced? Drop it in the comments.
👉 Subscribe for more content on mindset, leadership, business, and balance.
work life balance, leadership habits, daily routines of CEOs, bible study, John Maxwell, high performance lifestyle, CEO morning routine, entrepreneur mindset, business and faith, mental health for leaders, time management, success and family, building legacy, humble leadership, discipline equals freedom, healthy hustle culture
#WorkLifeBalance #MentalHealthMatters #CEOHabits #LeadershipMindset #DailyDiscipline #FaithAndBusiness #EntrepreneurLife #TimeFreedom #LegacyBuilder #PersonalGrowth #BalancedHustle #BibleStudyRoutine #JohnMaxwellWisdom #TheCORETraining #HighPerformer #SelfLeadership #MotivationDaily
What does it look like when one of the most disciplined, high-performing business coaches in the country sits down with the guy who manages his wealth?
You’re about to find out.
In this week's episode of The Street Smart Millionaire, Rick Ruby brings on his personal financial advisor, Jeffrey Fratancangeli—the man trusted with protecting and growing Rick’s fortune.
This isn’t theory. This is real strategy from inside the vault.
Jeffrey manages money for CEOs, athletes, and high-net-worth entrepreneurs—and in this episode, he shares exactly how the wealthy think, where they put their money, and what most people get dead wrong about investing.
Rick opens up about:
This is not a feel-good episode. It’s a wake-up call for producers who make great money but still feel broke.
If you make $100K+ and want to keep more of it—this is the episode that can change your life.
💼 Learn how the top 1% actually manage their money
💰 Discover Rick’s personal investment mindset
📊 Steal the frameworks that wealthy people use daily
Watch. Share. Save.
Because wealth isn’t about what you earn—it’s about what you keep.
👉 Available now wherever you get your podcasts.
Just got back from our semiannual CORE Training event in San Antonio.
340 of my clients pay me $40,000/year. 115 new guests paid $5,000 to sit in that room.
And 98 of them signed up to change their lives.
Here’s what we worked on:
I’ve had great rental wins. But I’ve also lost $21K supporting a struggling tenant because my heart got involved. Stocks don’t cry when they fall behind.
I told every client this: If you can’t afford to cover every rental if they all went vacant—sell them.
At this event, we:
And for the record: I’ve created 767 millionaires. This year, 141 of my clients will net $1 million.
The difference? They stopped hoping. And they started executing.
You can do nothing. You can hire a wannabe coach who’s never built wealth. Or you can hire me.
We’ll fix your leads. We’ll fix your team. We’ll fix your personal finances.
I have levels for everyone:
Next event: Nov 4–7 in Tucson, AZ. $5,000. If you do $20M+ and you’re ready to dominate 2025, show up.
Follow me. Repost this. Like and comment if you’re done playing small.
🔥 STREET SMART MILLIONAIRE PODCAST — NEW EPISODE LIVE 🔥
🎯 "You don’t need more leads. You need the right ones. You don’t need more hustle. You need direction." — Rick Ruby
Next week, I’ll be in San Antonio hosting one of my biggest events of the year:
✅ 500 people in the room
✅ 120 paying $5,000 each to attend
✅ 340 of my private coaching clients
✅ 35 CORE coaches
✅ 140 of them will earn $1M+ this year
✅ 18 of them for the very first time
I’m bringing the heat, the strategy, the systems — and the accountability.
If you’re a lender or real estate agent, here’s what I teach:
Most of you think more leads solve all problems. They don’t. Too many leads with no systems? You’re drowning. I’ll show you how to turn fewer better leads into bigger profits.
We’re not in the business of surviving.
We’re in the business of dominating.
Let me ask you:
👉 Are your clients raving about the experience you provide?
👉 Are you generating enough warm leads to grow 20% per year?
👉 Are you building real wealth — not just income?
If not, that’s exactly what I help with.
I’ve coached 767 people to become millionaires.
And I’m on a mission to raise 400 more.
I don’t coach part-time.
I’m not a “life coach.”
I’m a high-level business coach who teaches:
✅ Lead generation
✅ Team building
✅ Money mastery
✅ Personal discipline
✅ Spiritual alignment
✅ Legacy planning
If you’re in the mortgage or real estate business and you’re finally ready to get serious — not just “busy” — then it’s time to talk.
🎧 This episode breaks it all down: the mindset, the systems, the coaching, and how I’ve built a life and business that creates millionaires, serves my family, and honors my purpose.
📲 DM me “COACH” for a free consultation
🔗 Episode link in bio
🙌 Pray for safe travels for our team headed to San Antonio — it’s going to be a game-changing week.
#StreetSmartMillionaire #RickRuby #CORETraining #MortgageCoach #RealEstateCoaching #MillionaireMentor #WealthBuilding #LeadershipDevelopment #BuildLegacy #BusinessGrowth #SalesCoaching #WhiteGloveService #LeadGeneration #FinancialFreedom #PurposeDriven
On this week’s episode of The Street Smart Millionaire, Rick Ruby sits down with one of The CORE Training's most inspiring success stories — Ragan McKinney.
Once a single mom working in a deli, she went from three months behind on her mortgage to closing 113 homes this year alone — without a huge team, no buyer agents, and zero excuses.
They talked:
💼 Scaling a business with structure, not chaos
🏠 Building a boutique real estate firm from scratch
👨👩👧👦 Balancing a blended family of 5 teenagers
📅 Time-blocking, working out, journaling, and being fully present
🙏 How joining The CORE Training turned burnout into a breakthrough
And the biggest lessons?
✅ Obsession.
✅ Service.
✅ Relentlessness.
Ragan’s story is raw, real, and relatable — and proves that when you eliminate your Plan B, you give your Plan A the power to change your life.
—
💬 Comment: What would your life look like if you got obsessed with your vision?
🔁 Repost to inspire someone who needs a comeback story
❤️ Like if this reminds you that anything is possible
#StreetSmartMillionaire #RickRuby #RaeganMcKinney #CORETraining #RealEstateSuccess #WomenInBusiness #Relentless #ServeFirst #WorkLifeBalance #MillionDollarMindset
This week on The Street Smart Millionaire, Rick Ruby pulls no punches. He shares what it really takes to become wealthy and why so many business owners stay broke chasing the wrong vision.
💥 Are you focused on building wealth, or just building a brand?
Rick breaks down the 3 essentials of business growth:
He also drops the 4 pillars of a powerful business model:
And in classic Rick Ruby fashion — he holds nothing back.
🎯 “I am broken. I hate it. And I’m going to seek help.”
If you’re not growing, you’re dying. If you’re not improving, you’re slipping. And if you want to build wealth with purpose, it starts with accountability.
P.S. Are you a Realtor or Lender doing $20M+ in volume?
Want real coaching from real producers?
Join Rick in San Antonio for the Level 3 Summit, May 14–16.
The CORE Training
Helping Lenders & Realtors Make More Money, Save More Money, & Get More Organized.
🎙 NEW EPISODE: The Street Smart Millionaire – Ep. 12
“Wealth, Balance, and the Lessons My Father Taught Me”
Rick Ruby is back in this week’s episode with one of his most personal and powerful reflections yet. From growing a $91M+ mortgage branch in March to the timeless habits of hard work, laser focus, and living below your means—this episode is a blueprint for building long-term wealth and a life you actually enjoy living.
💰 Save 20% for 20 Years
🔩 Compartmentalize Your Focus
📈 Why Most People Stay Rich—But Never Get Wealthy
🏡 Farm life, family, faith, and the joy of simple living
📉 Stock market mindset when things are volatile
If you’re chasing success, but also want balance, this episode will hit home.
👇 Watch now and subscribe for more weekly wisdom from Rick Ruby.
#StreetSmartMillionaire #RickRuby #WealthAndBalance #FinancialFreedom #CORETraining #MortgageLife #RealEstateSuccess #LegacyBuilders #HardWorkPaysOff #InvestSmart #SimpleLifeStrongValues
In this episode, Rick Ruby doesn’t sugarcoat it. From market volatility to employee drama and leaky swimming pools, he dives into how clarity, consistency, and hard work cut through the noise. You’ll get tactical insight on his personal investing habits, his income strategy, and what separates overachievers from everyone else.
Key Takeaways:
✅ Why the world craves stability—and how to stay focused anyway
✅ Rick’s monthly investing playbook (yes, the exact stocks)
✅ The 3 keys to wealth: lead flow, a great team, and strong financials
✅ The power of vision, mission, and purpose
✅ Why hard work isn’t optional—and how balance comes after effort
✅ The truth about sales calls, follow-up, and earning trust
Rick’s Challenge to You:
Write down your vision, mission, and purpose. Then go take action. The difference between average and exceptional is always effort.
🎧 – The Street Smart Millionaire – Episode 11
📍 Want to grow faster? Join The CORE Club
🔥 Ready for the next level? Come to The Summit – May 14-16
💼 Coaching for serious professionals: Explore The CORE Training
The information shared in this episode of The Street Smart Millionaire is for educational and informational purposes only. It does not constitute financial, investment, legal, or tax advice. Any examples or references to specific investments, performance, or financial outcomes are for illustrative purposes only and do not guarantee similar results. Always consult with a licensed financial advisor or professional before making any financial decisions.