In this episode of From Worry to Wealth, hosts Ben Lyons and Alex Fink dive deep into one of the biggest financial transformations of the past two decades — the fall of traditional banks and the meteoric rise of private credit. They explore how regulatory changes, like the Dodd-Frank Act, led to massive consolidation in the banking sector and created fertile ground for private lenders, hedge funds, and private equity firms to thrive. Ben and Alex break down the advantages of private credit — from speed and flexibility to higher yields — and reveal how this shift has empowered both investors and borrowers. Drawing from personal experience, they share behind-the-scenes stories from their lending careers and offer practical insights into how individuals can “be the bank” and participate in this growing financial movement.

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In this episode of From Worry to Wealth, hosts Ben Lyons and Alex Fink break down market cycles—what they are, why they happen, and how smart investors position for both the booms and the busts. Using real stories from 2008, COVID-era stimulus, tariffs, and even the crypto ad blitz, they show how to avoid herd mentality, read the “tells,” and buy value when fear is highest. You’ll learn why awareness beats market timing, the power of staying liquid, and how fundamentals—not FOMO—drive durable returns. Plus: Ray Dalio’s cycle lens, Warren Buffett’s famous maxim, a hard-won case study (hello, Dolphin Shores), and the timeless lesson, “move the sail” when the wind changes.

What you’ll learn

• The 4 phases of a market cycle and the psychology behind each
• Practical “tells” that signal froth (and opportunity)
• Why timing the stock market is a trap—and what to do instead
• How to prepare in good times so you can pounce in bad times
• Real-world examples of buying dollars for fifty cents (distressed debt & real estate)

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In this episode, Ben Lyons and Alex Fink sit down with Michael Munn, founder of BiltRite, to unpack how he built and reinvented a thriving construction quality management and inspection business through multiple market cycles.

Michael shares how he launched BiltRite in 2006—right before the housing crash—and survived by pivoting, innovating, and mastering process efficiency. He explains how he turned technical expertise into a scalable system, why customer experience and trust are everything, and the hard-earned lessons about ego, leadership, and letting go to grow.

You’ll learn:
- How to pivot and thrive through market downturns
- The difference between working in your business vs. on your business
- Why sales, marketing, and human connection matter as much as technical excellence
- How to scale by systematizing and empowering others
- The power of decision-making and forward motion in business and life

A masterclass in resilience, reinvention, and real leadership—from someone who’s built success one decision at a time.

Website: https://www.wealthcreatorsusa.com/
Visit BiltRite at https://biltriteqa.com/

Visit our website https://www.wealthcreatorsinstitute.com/

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