The Uncommon Leader Podcast

Strategic Wealth: Freddie Rappina on Transforming Finances Like a Chess Master

• John Gallagher

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What if you could transform your financial future by thinking strategically, like a chess master? On this captivating episode of the Uncommon Leader Podcast, we sit down with Freddie Rappina, an exceptional financial strategist and author of "Playing the Wealth Game." Freddie shares how a pivotal childhood moment during the 1986 World Series taught him the value of perseverance—a lesson that has shaped his innovative approach to wealth-building. This is a must-listen for anyone ready to challenge conventional financial wisdom and embrace a more proactive path to wealth creation.

Freddie's journey from a police officer to a financial strategist is nothing short of inspiring. He highlights the inefficacy of traditional financial advice for the middle class and the power of strategic thinking in wealth creation. Freddie draws on his experiences in law enforcement and the influence of strategic thinkers, emphasizing the need for financial agility and calculated moves. His metaphor of checkers versus chess serves as a compelling framework to understand attitudes toward debt and investment, making this episode essential for anyone looking to rethink their approach to financial planning.

Throughout the discussion, Freddie champions a shift from a savings-focused mindset to one that leverages assets for greater wealth. He shares powerful examples, such as a doctor who transitioned from traditional savings to income-producing investments, illustrating the mental and financial readiness required for such a move. 

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Speaker 1:

I was around chess players and I started learning the different attitudes, how they thought, how they, you know, how they viewed finance and wealth building, and it wasn't all that crazy like the difference in mindsets. Then, yeah, once I started doing it, and then my wealth, you know, got up as well, and then I said, ok, well, why doesn't everybody at least know this? So I wanted people to know whether they're playing checkers or playing chess.

Speaker 2:

Hey, uncommon Leaders, welcome back. This is the Uncommon Leader Podcast, and I'm your host, john Gallagher. Today, I've got a fun episode lined up for you. I sit down with Freddie Rapina, a dynamic financial strategist and the author of the eye-opening book Playing the Wealth Game. Freddie brings a unique perspective to wealth creation, one that challenges the traditional long-term savings mindset. Instead, he advocates for creating wealth now through strategic investments. We'll dive deep into his wealth strategies which he likens to playing chess instead of checkers, and discover how this approach can significantly impact your financial future. You'll also hear a touching story from his childhood about the 1986 World Series that taught him the value of perseverance, a lesson that still resonates with him today. Let's get started, freddie Rapina. Welcome to the Uncommon Leader.

Speaker 1:

Podcast Great to have you on the show. How are we doing today? Doing great, thank you for having me.

Speaker 2:

Yeah, absolutely, Freddie, Looking forward to our conversation today Something I don't get enough chance to talk about on the Uncommon Leader Podcast, and that's building wealth from a financial standpoint. You've got a book that just came out recently that we're going to talk about today Playing the Wealth Game the Strategies Behind Financial Moves that Win. So it should be a great conversation and one that I'm looking forward to. But before I get that started out, I'll start you off with the first question. I always start my first time guests, and that's to tell me a story from your childhood that still impacts who you are today, as a person or as a leader.

Speaker 1:

Um, yeah, I'm going to have to go with, uh, october 25th 1986. Uh, it's the. I'm living on Long Island and growing up there, and uh, you know it. You know, it's the day that the Mets came back and won game six of the World Series. I was about I don't know six, seven years old. I was pretty young, but to a six, seven-year-old, like you know, sports is like everything and you know they're in that game. It looked like everything was just not gonna happen. And and then, all of a sudden, within 10 minutes, you know, uh, gary carter gets a base hit. Um, uh, kevin mitchell gets a base hit right now he gets a base hit. Wild pitch ball goes through buckner's legs and and, uh, it's like someone just gave a seven-year-old his life back, right. So, um, just like we know the whole idea when, like, everything is falling apart, you know, as long as there's still still a little bit of time, there's still a little bit of time, and, uh, you know a little bit of time and good things can happen, just got to keep plowing.

Speaker 2:

Marty, I love that. I mean I have some friends, I have a client in Boston and I've been working with them for about 10 years. They may not share the same love for that story that you do, no doubt, and certainly their love for Billy Buckner and how Mets fans feel, but I do recall, I mean as a Pirate fan growing up as a kid. So I lived through the Willie Stargell days and at least two World Series in the 70s and we haven't had a whole lot since then. But I do recall, as you were telling that story, I said is Ray Knight going to come up here? Absolutely Ray Knight, a big part of that and that Mets team that was going on there. So I do appreciate that, sharon, and I'm sure that did inform a big part of your life growing up. And, as you said, don't count yourself out until the last out is recorded. So that's pretty cool.

Speaker 1:

I have a photo of the play. It's signed by everybody. It's signed by Buckner, it's signed by Wilson, bob Stanley and Rich Gedman. Oh wow.

Speaker 2:

That's a cool picture.

Speaker 1:

right there, show some class by Buckner and Stanley Gedman actually signed that.

Speaker 2:

Absolutely. Look, I cannot imagine, ultimately, what Buckner's going through as Red Sox fans. At least, when they finally broke through and won it in the early 2000s there, that took some of the pressure off of him of 20 years of sadness that was happening, but it's still something that they certainly live through all the time and he'll never live down in that area as well. That area, uh, ultimately, but anyway. Well, I could talk the 80s baseball and and mets pirates, red socks, all the way through. We're really here to talk to you about your book that just came out recently and I want to ask you what inspired you to write the book and who did you write it for?

Speaker 1:

I, I think it just the just what I was seeing and understanding and going through the whole process of, you know, being a checkers player myself as a as a police officer, and switching over to chess when I said, oh no, I want to build wealth, I want to, I want, uh, something more out of this.

Speaker 1:

And um, you know, just, you know, there are all these financial trainings, all these designations and all that stuff, and not that it's not great information, it's just constantly the same thing. And I'm looking at it through the lens of you know, as, with an evidence based mindset. I'm like, yeah, but it's not working. Like these strategies that have been kind of forced down the middle class road, they're not working. If they were working, the wealth gap in the United States would be narrowing, it's not, it's expanding. So if we had all this great information that was working, that that wouldn't be the end result. Um, not to say that the information is bad, it's the expectation of the information that I feel really needs to be called out and said like, hey, there are two different games going on here and depending on which game you want to play, will greatly impact the end result.

Speaker 2:

But I don't say anything's wrong.

Speaker 1:

I just say they're two different.

Speaker 2:

No, they're different, right, and I think you touched on that in the book a couple of different ways with regards to playing checkers and playing chess, in terms of some of the strategies that exist that, to your point, neither one of those is right or wrong in terms of using it. It's just that when you play those games, you want to make sure you play them well, and I love the idea when you're talking about using data ultimately to help you do that, and if we can't use the data to help us drive and make those decisions, we're going to be in a bit of a challenge. So I'm going to assume that your story makes you a little bit different, though, than the traditional or typical financial advisor. You started off in law enforcement and now you've worked your way through this. Tell me a little bit about that journey and what does make you different.

Speaker 1:

Yeah, it was really about making a choice. It was almost selfish like it was making a choice for me, right? And uh, that was around my 12th or 13th year, uh, in law enforcement and I decided, like you know, I'm gonna change, I'm gonna do something different. I had, I was still gonna wait until I, you know, got to the 20 mark, 20 year mark and the punch out for the pension. But, uh, during that time I started the firm and started very slowly, um, but it got very big, very fast. I had two careers for about six, seven years there.

Speaker 1:

Um, and it's more about like just I don't know, getting that information out once I was around it more that's the other thing. Like, when I once I became a, once I got around chess players and I started learning the different attitudes, how they thought, how they, you know, how they viewed, uh, finance and wealth building, and it wasn't all that crazy like the difference in mindsets. Um, then, yeah, once I started doing it and then my wealth, you know, shot up as well. So, um, you know, and then I said, okay, well, why doesn't everybody at least know this? So I wanted people to know whether they're playing checkers or playing chess and, um, and you know if, if you want to play chess, that's great.

Speaker 1:

I think. I think too many financial advisors try to talk their clients out of playing chess. Um, in like a paternalistic manner. Not that it's comes from a position of, you know, deviant. It's more like, oh, that's too hard for you, this is, you know, this is you're not going to be you know, it's too risky, it's the you know, leave it to the adults type mentality that we have in finance.

Speaker 1:

Um and uh, you know, as we're doing recording this podcast, the stock market is taking a you know three percent and beating right now, today, and just that whole evidence-based mindset with traditional financial planning, typical finance jargon, even things like compound interest, which I talk about in the book. Like compound interest which I talk about in the book, in my opinion, compound interest is the most overrated concept to the middle class. Not that compound interest is wrong, it can't be wrong, it's math right. It's just that people just don't live long enough for compound interest to do what people want it to do. In my book I make a little joke If you live 900 years, like Yoda did, compound interest would be great.

Speaker 1:

By your 400th year You'd be, you know, super duper wealthy. But when, in this lifetime, in this galaxy where you only have so many sets of 10, where your money to double or whatever it's it's it's not the same and um, and even if you do get to that magical number in the way distant future, are you going to be physically able to enjoy the fruits of what that can produce? Or are you even going to be here Period, right, so it's. And wealth is about creating wealth now. Um. So chess is about creating wealth now and um. And I? What separates me from your, you know, typical financial advice, typical firm is that we want to work with people who want to become wealthy now and are willing to do the things that it takes to achieve those levels love that.

Speaker 2:

So that's what I was going to kind of ask you. I think you started to answer. The question is, when you've used that analogy, the difference in playing chess and playing checkers. And for those who wouldn't be as involved in or don't get as involved in any time, how do you delineate between the two? So chess is creating wealth now and checkers is the Well?

Speaker 1:

checkers still still creates. Well, it's just, it's saving money. It's you know, funding retirement plans. It's waiting 30 years for compound interest. It's buying financial products it's you know, it's it's saving, saving, saving.

Speaker 1:

And let's face it, saving money sucks. Um and uh, and if you are going to go that route, I want you to play a really good checkers game, right? Nothing sucks more in the united states than playing a bad checkers game. You'll get your butt whooped by capitalism, uh, but if you're going to play checkers, play checkers. Well, right, um, and have the sacrifice it needs to take to play a good checkers game, but just have the. Don't go screaming at the moon.

Speaker 1:

Why do the rich keep getting richer and the poor keep getting poor? You're not playing the same game, they're playing a completely different game. And um, well, I think the one thing that will differentiate, um, between whether you are a checkers player or a chess player, uh, is your attitude towards debt. You gotta pick one thing, and the reason being is that, um, if you're playing checkers, you probably want to stay the hell out of debt. Right, you paid no, no pain off your house and all that other stuff, uh, and when I say debt, I don't mean consumer debt, I mean like income producing debt. Um, if you're playing chess, you probably want to get as much debt as possible, right? Whether that's purchasing real estate, purchasing businesses, purchasing things like cash flow. So so that is definitely, in my opinion, the turning point for somebody that's playing chess is their attitudes towards debt. That's going to be different for everybody.

Speaker 2:

You talk about it in your book. I mean again, I think folks will find it very informative. Playing really really well Checkers is the emergency fund life insurance very informative. Playing really really well Checkers is the emergency fund, life insurance, your retirement accounts, college savings, those traditional things that would ultimately be read in the books, right? And when you talk about creating wealth and creating wealth now, as in playing checkers, let me ask you from this standpoint first, a, where do you encourage folks to get started and secondly, what's the biggest barrier to them getting started?

Speaker 1:

two-part question questions, uh, so the, the, the, where you know, are you ready? That's the, the first thing, right, um, if you, sometimes you have to play a really good checkers game before you can hop over to chess, you got to have a good foothold, you got to have, you got to be able to, uh, you got to have what's called debt capacity, um, to be able to, to, to move over to chess. Um and uh, the biggest barrier is a mental barrier. That's. That's. That's the biggest thing, um, you know that it's if you're brought up in a, you know, checkers mindset and talk checkers your whole life, and then you know someone comes along with this other game.

Speaker 1:

It's going to be, it's going to be difficult to move over from a mental standpoint. So I say they're their own barrier, but also the finances got to be correct in order to do that right, because we're talking about using debt very well, and to use debt you need to have leverage, you need to have assets, you need to have collateral, you got to have things that are going to make the lender believe that you are a good bet and you need to be buying something that's worth buying to be able to produce cash flow, which a lot of the times is real estate and or businesses, so those are the two biggest things.

Speaker 2:

Okay, so when you think about that and maybe it's through a story or maybe it's just through some of the things that you've experienced, but tell me an example of someone who really did well then at moving into this space and how you helped them get there. Okay, so let's say you have, you know, you have clients like this.

Speaker 1:

Uh, let's say you have a doctor, okay, and this doctor, uh, they're 40 years old now, all right, or 35 years old now, but when they were a 22 year old resident doctor at this hospital, working ungodly hours for not a big paycheck mountain of student loan debt, that doctor was probably thinking at that time, when they were 22,. Like man, I just got to get through this. I got to work hard because one day I'm going to be making three $400,000 a year, 500,000, whatever the number is, and this is all going to be worth it.

Speaker 1:

I'm going to have, like you know, the life I've always dreamed about, and um, and then you fast forward, 20 years later or whatever. It is Um and uh. And they have. They've been funding retirement accounts, they've been saving, they've been doing everything by the book digit. You know, very uh, adamant like they're, they're saving and they're not feeling it. They're like, why is my lifestyle? I'm making the money now, I'm making the four, three, four $500,000 now, whatever it is, and I'm still not feeling like I'm wealthy.

Speaker 1:

What is going on here? And it's that attitude, because checkers can't give you that, you can't work enough hours as a doctor or whatever you're doing, to produce that kind of wealth. To produce that kind of wealth, you need to be able to switch over the chess and start using those assets that you have, to be able to take out loans to buy income-producing assets and have multiple streams of income. We know it. Like I don't think I'm saying anything that people don't realize. Like, if you like, I live in Tampa, right, so if you walk up to somebody at the Tampa Bay boat show with a $25 million yacht and you say to them hey, how did you afford this $25 million yacht? This is awesome, that person is very likely not going to respond with.

Speaker 1:

I fully funded my IRA, I bought a well-diversified mutual fund, I put a bunch of money in my some insurance product with a guaranteed X percent rate of return. These are not going to be the answers, right, so we know it. But again, if we just continuously pounded checkers, pounded checkers, which is only making not only, but the wealth is going to Wall Street, the wealth is going to the chess players that use the game to their advantage and we're still sitting around wondering why it's not working for us.

Speaker 1:

And I'm just one of the few financial wealth advisors that are willing to say it out loud.

Speaker 2:

Hey listeners, I want to take a quick moment to share something special with you. Many of the topics and discussions we have on this podcast are areas where I provide coaching and consulting services for individuals and organizations. If you've been inspired by our conversation and are seeking a catalyst for change in your own life or within your team, I invite you to visit coachjohngallaghercom forward slash free call to sign up for a free coaching call with me. It's an opportunity for us to connect, discuss your unique challenges and explore how coaching or consulting can benefit you and your team. Okay, let's get back to the show.

Speaker 2:

I appreciate that, as you share that. I want to actually talk about a couple of the tips that you mentioned in the book. Again, we could never go through all of them that you have in there. One of the things you talk about, though and it's probably something that rings dear to my heart, as I even have two young adult sons that have to go through but you say don't buy a car, buy an asset. Tell me a little bit about what's behind that in terms of that story.

Speaker 1:

Okay, so the concept is not new, right? It's covering a liability with an asset, which is what chess players do, but everybody's been through a car buying, or most people have been through a car buying process. So I use that as the analogy because I feel like it just brings it home.

Speaker 1:

Where, instead of financing the car just outright, where you're giving all, you're giving the interest to the bank and the car's depreciating over the you know five years that that you have this loan. Um, you know that's. That's a bad checkers play. A good checkers play is, um, driving that clunker, saving the money in an interest-bearing account until you can pay for the car cash, right, and then you pay the car cash and then you continue saving that what would normally be your payment back into the account, right, and every five years you're going to rinse and repeat this process, right when you get a new car, you buy it cash, right.

Speaker 1:

That's infinitely better than the first scenario, but it's not what a chess player would do. A chess player would drive the car, save the money and then but before buying a car, buy an asset, buy a small rental property. In my example in the book, that's going to cash flow right.

Speaker 1:

And then take out the auto loan, right, but the auto loan needs to be covered by the asset, so the income from the property is paying off the payments for the car, but at the end of the five years you still have all your money. It's in the property now, but it's not gone. It's not sitting in the bank, right, and you're still going to be receiving the income from the property after the five years is up and I said that in like one minute, right, it's like it's a lot easier said than done.

Speaker 1:

I get it, um, but it's the mentality, the concept that you know, people, if they're going to play chess, need to understand, because this is how it's done. Um, you know, and uh, so yeah, like I said it's, I'm not going to say playing the good checkers, play is bad. I'm just going to say it's checkers.

Speaker 2:

Well, I think I love how you said that, because again you talked about what bad checkers is. That'd be just to take car loan out and make the payments and give the bank the funds. A decent checkers play that you're going to get done is to save up the money and pay for the car and cash. Don't pay it to the bank. But the chess play that good, better, best analogy is to use that money that you saved up to buy the income producing asset. Love that as a story.

Speaker 2:

Now, frankly, not something that I have specifically. So I'm going to say I'm probably just been this checkers player and just moved to maybe a good checkers player in the past few years. But I appreciate and I think your book is laced with those types of tips to move from good checkers into playing chess. The other one you say and I thought was fun was don't drink and invest. Tell me a little bit about that suggestion, because they say don't drink and drive I got that part. Or don't drink and go to the liquor store, because you're going to buy all the liquor they have inside the store. What do you mean? Don't drink and invest?

Speaker 1:

Oh, I just you know it's. You get into the gambler's mentality.

Speaker 1:

Right and even bad chess players will do that too they will over-leverage, they will get out of what's being successful because they need like, just need like, excitement or something. I don't know. I, I, I, you know I don't have the mentality, so I can only speculate on what that's like. Um, if I find something that's working, I will just continue doing what's working. Um, but it's, you know, the the, the gamblers mentality, especially when it comes to, like, the market, um, you know the market is, is a great tool, um, but if I asked you, who do you know we're? You know, obviously we're in a little bit of a. You know the market's going down as we're talking about this, but just a couple weeks ago we were at all-time highs, right, um, but who got wealthy when we were at all-time highs? That do you know anybody? Do you know anybody that knows anybody like that? Well, so, uh, the marketing continuously goes up, but, uh, you know, having that mentality that you have to pick the right stock, you have to do this, you're like no, it's not like.

Speaker 1:

My opinion, that's not. That's not how it's done. It's not like. In my opinion, that's not. That's not how it's done. It's it's. It's done by having the money and then not using it, not creating taxable events. Uh, because taxes play a lot into this right, um, but yeah, just that whole. If don't have the gambler's mentality, you know, have a strategy and have something you're comfortable with, uh, maybe you're not completely comfortable with, but you're uncomfortably comfortable, you're willing to do this, even though it's not what you're used to. But you got to start somewhere and you got to start doing something to change and you can't have uncommon results doing common things. That's right. I hear it all the time Like well when I'm you know, presenting some strategies.

Speaker 1:

Someone would say, well, don't most people do this? And I'll say, yes, do you want what most people have? Because if you want what most people have, this is what we can do. But if you want to do something different, you can't stand in line with everybody at the slaughterhouse and wonder why that's happening to you, happening to you, um, so yeah, just changing that mindset is, you know, and by the end of the book, people should know whether they are. The goal of the book is, by the end of the book, for people to know whether they are a checkers player, whether they are a chess player, and if they are a checkers player, do they want to switch? Can they switch the chess? Can they switch right now? Can they switch in the future? So, um, but yeah, and for some people, having a really great checkers life, you know, having, you know, have enough assets to retire and see the grandkids and all that stuff, is their goal.

Speaker 2:

For those, as long as they're happy, they're doing great what I think that's you know, you touch on that early on in the book is that the first step is to sit down and design what your ideal future is. Look, if you know what you want to create and you understand and you have the choice of whether or not to play checkers or chess to create that ideal future, that's a choice. That's that's where it starts. You use the term uncomfortably comfortable.

Speaker 2:

I I'm so, uh, in alignment with that that if we are at a phase that we're comfortable, you're right, we're probably not going to see uncommon results, whether that's in leadership or wealth, or in our faith or where we are in our journey a lot of different things that are driven by that concept that we've got to do as uncommon leaders.

Speaker 2:

We're going to have to do things in a way that others just won't do them. And to your point again, I could relate the checkers and chess analogy over to leadership, over to our faith, over to our fitness and our health and what we want to do there in terms of being healthy, so many different ways. And that's what I appreciate about the book is that there's nothing ultimately that would be too difficult for someone to do, but if they understand where they want to be. I think that's somewhere that you can get there by following a plan similar to what Freddie talks about inside of this book. Freddie, you mentioned what you want to do kind of when they're done reading. I'm going to ask you kind of the book test a year from now, after they're done reading the book and they see your book sitting on the shelf, what do you want them to think?

Speaker 1:

uh, when they see your book sitting on that shelf, I want them to think I'm glad I read it, uh, my, my lifestyle has improved. Um, because I I don't want to as a as a wealth advisor, I don't want to be just judged on rates of return. I feel like that's the pigeonhole thing that people just kind of say that's what they expect of you. I want to be judged on lifestyle improvements. Are you better now, two, three years later, than you were three years ago? Are you living more comfortably? Are you going on better vacations, more vacations? Are you living the lifestyle you want? Because this is all about advancing lifestyle. In my opinion, chess is about advancing lifestyle Now.

Speaker 1:

You're not going to go from zero to Elon Musk in three you know, three years, right, that's not happening, but it's, you don't have to either, but just those extra. You know, moving the ball 10 yards forward, 10 yards forward, 10 yards forward, and then, next thing, you know, you look back a few years later and you're like man I'm.

Speaker 1:

You know I'm doing really well and right now it doesn't take a whole lot to be doing a lot better than most people. So it's just an attitude and believing that you can. I mean I think that's the most important thing and having a good support system, having a good team and understanding that there is two games. There is totally two games. Right, and you know like I, my son plays. He's a travel 13 year old travel baseball player and um the. He doesn't play for the Tampa Bay race, right, but the fundamentals that he uses and is taught at the 13U competitive level are the same fundamentals that the Tampa Bay Rays and every other major league team uses. Right, the scale is different, right, and the expectations are different, but the game is not different. Unfortunately, in finance, there are two different games, so people need to choose.

Speaker 2:

Love that, freddie. I sure appreciate you sharing with the listeners of the Uncommon Leader podcast today. Folks want to learn more about you or about your book Playing the Wealth Game. How do they get in touch with you and learn more about your book?

Speaker 1:

they get in touch with you and learn more about your book. Yeah, I mean, if they, especially if they're looking to you know, yeah, they're looking for a financial, uh, professional wealth advisor who, uh, who understands chess, who understands real estate, who understands business ownership, who understands, you know how to you know how to help people create, you know, help people create wealth. You know they can reach. Our site is optifinancialcom. That's our firm, and in the top right hand corner, uh, there'sa schedule a consultation. They can uh, then click on that and they can, we can have a conversation with them, um, and uh, you know, and and see what's possible, which is, which is a lot of fun for me, and, and you know that's why, that's why I, which is a lot of fun for me, and, and you know, that's why that's why I love this position is the, is the is the journey you take with the clients Excellent.

Speaker 2:

Well, I'll be sure to put a link in the show notes to Opta Financial that folks can go out there and set up a call with you, uh, otherwise? Uh, again, I appreciate you joining us today for the Uncommon Leader Podcast. I'll leave you with the last word, and that has to do with the final question that I always ask my first-time guests. I'm going to give you a billboard, freddie. You can put it right out there in Tampa, wherever you want to put it, whichever road's running through there. What's the message you're going to put on that billboard and why do you put that message on there?

Speaker 1:

I would put on the billboard. Focus on what is important right now, like the road, not the billboard, Not the billboard.

Speaker 2:

Sir, focus on right now. Absolutely yes, stay on the road, do not drive it off. Absolutely Friday. It's been fun, great conversation. I wish you the best, not only in your book launch that's been out for a little while and that you'll continue to grow in that space, but also in the game of chess that you're trying to teach others. I appreciate your time.

Speaker 1:

Thank you, I appreciate it.

Speaker 2:

Thanks for having me on the Uncommon Leader Podcast. Thanks for tuning in today. If you found value in this episode, I encourage you to share it with your friends, colleagues or anyone else who could benefit from the insights and inspiration we've shared. Also, if you have a moment, I'd greatly appreciate if you could leave a rating and review on your favorite podcast platform. Your feedback not only helps us to improve, but it also helps others discover the podcast and join our growing community of Uncommon Leaders. Until next time, go and grow champions. It also helps others discover the podcast and join our growing community of uncommon leaders. Until next time, go and grow champions.