The Street Smart Millionaire
The Street Smart Millionaire - Episode 19 - Secrets of the Ultra-Wealthy: Inside Rick Ruby’s Financial Strategy
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 th...
The $5K Room That Changed 98 Lives (And Counting) - Episode 18
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:
Building a steady flow of warm leads (most of you don’t have this)Fixing broken team structure and maximizing your ROIDialing in P&Ls to create gaps between revenue and overheadReal-world investing strategies: Stocks vs RentalsI’ve had great rental wins. But I’ve also lost $21K supporting a strugg...
The Street Smart Millionaire - Episode 16
🔥 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 a...
The Street Smart Millionaire - Episode 15 - 🔥 From Broke to 400 Homes a Year 🔥
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-bl...
The Street Smart Millionaire - Episode 14 - Lessons from a Billionaire: How to Build Wealth, Serve at Scale, and Grow a $100M Business
🚨 New Episode of The Street Smart Millionaire with Rick Ruby is LIVE 🚨
You ever wonder what separates a millionaire from a billionaire?
In this episode, Rick Ruby shares the behind-the-scenes of spending two days with one of the wealthiest men in America—and how that experience reignited his own fire to improve everything: his processes, his service, his mindset, and his mission.
Here’s what you’ll get from this episode:
✅ Why your business is weak because your process is weak
✅ How to build a steady, scalable pipeline of warm leads
The Street Smart Millionaire - Episode 13 - How to Actually Build Wealth: Leads, Team, Capital & Real Coaching
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:
The Street Smart Millionaire - Episode 12 - Wealth, Balance, and the Lessons My Father Taught Me.mp3
🎙 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 Wea...
The Street Smart Millionaire - Episode 11 - How 767 People Became Millionaires Under One Coach
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 Street Smart Millionaire - Episode 10 - The Youngest, Brightest Millionaire I Know
🏆 The Youngest, Brightest Millionaire I Know – Here’s How He Did It 🏆
Most people take years to build a high-income career. Kyle? He closed $150M in just his second year in the mortgage industry. Now, he’s a top mortgage originator in the country, consistently closing over $100M+ annually.
How? Relentless focus, disciplined habits, and the drive to keep showing up—every single day.
💡 In this episode of The Street Smart Millionaire Podcast, we break down:
How Kyle scaled to $150M+ while staying balancedWhy consi...Why You're Still Broke: The Brutal Truth Millionaires Won’t Tell You
🔥 The Secret to Success? Surrendering to the Right Process! 🔥
Most people think success is about working hard. But the real secret? Following a proven system and trusting the right mentors.
In this episode of The Street Smart Millionaire, Rick Ruby sits down with a long-time coaching client who went from $300K to nearly $2M in annual income by surrendering to structure, discipline, and the right coaching.
🚀 Inside This Episode:
✔ Why ‘ego’ holds most people back from real success
✔ How top performers juggle...
The Street Smart Millionaire - Episode 8 - Mastering Money, Business & Success
🚀 New Episode of The Street Smart Millionaire Podcast is LIVE! 🎙️
This week, Rick Ruby breaks down real wealth-building strategies, ride-or-die referral partnerships, and the mindset that separates top producers from everyone else.
🔥 What You’ll Learn in Episode 8:
✔ Stock Market Strategy – When to buy, when to sell, and why Rick stays in the game.
✔ Building a Business That Lasts – The power of referral partnerships and why most people get it wrong.
✔ The Difference Between Rich & Wealthy – Why it’s not about flexing, but about financial security an...
The Street Smart Millionaire Episode 7 The CEO Mindset: How to Dominate in Sales, Business, and Wealth
🚀 The CEO Mindset: How to Dominate in Sales, Business, and Wealth 🚀
This week on The Street Smart Millionaire, Rick Ruby breaks down the key principles behind winning in business, generating wealth, and staying at the top of your game. After a packed week of live events, coaching top performers, and making big moves in the stock market, Rick shares his no-nonsense strategy for success.
💰 Want to level up your business? Here’s what it takes:
✔️ Big Vision – No vision, no work, no growth. Where are you headed?
✔️ Perfect C...
How to Be a Modern-Day Killer in Business & Life | Street Smart Millionaire Ep. 6
🔥 How to Be a Modern-Day Killer in Business & Life | Street Smart Millionaire Ep. 6
This week on The Street Smart Millionaire, Rick Ruby dives deep into what it takes to be a true winner—in business, in wealth-building, and in life.
From celebrating his birthday with 35 top coaches to learning self-defense tactics from an elite SWAT sniper and winning strategies from NASCAR champion Joey Logano, this episode is packed with real, no-BS success principles.
🚀 What You’ll Learn in This Episode:
✅ The mindset of a modern...
The Street Smart Millionaire – Episode 5: Rick Ruby & Brian Sciutto
In this episode of The Street Smart Millionaire, Rick Ruby sits down with top-producing lender and CORE Training coach, Brian Sciutto, for a no-nonsense conversation about money, business, family, and success.
Brian shares the mindset and strategies that have helped him build a high-performing lending business, lead a thriving team, and create financial security for himself and his family. Rick dives deep into the principles of wealth-building, the importance of discipline, and the lessons that separate top earners from everyone else.
🚀 If you’re in real estate, mortgage, or busin...
The Street Smart Millionaire Episode 4 - Money, Mentors, and Emotional Decisions
Money, Mentors, and Emotional Decisions | The Street Smart Millionaire
In this week's edition of The Street Smart Millionaire, I dive deep into the emotional side of money and how it shapes our financial habits. Growing up with limited resources taught me lessons about jealousy, acceptance, and eventually, the value of mentorship. I share personal stories about financial missteps, mentorship from great leaders, and how emotional detachment from money is the key to accumulating wealth with character.
Whether you're struggling with financial decisions, looking for guidance on wealth accumulation, or...
The Street Smart Millionaire Episode 3 - Interview With Millionaire Realtor® Patrick Conway
🎙️ The Street Smart Millionaire Episode 3: Patrick Conway’s Journey to Success 💼
In this inspiring episode of The Street Smart Millionaire, Rick Ruby sits down with Patrick Conway, a millionaire Realtor® who transformed his career by following the proven guidance of The CORE Training. Now, as a coach for The CORE Training, Patrick is helping other Realtors® achieve the same life-changing success.
What You’ll Learn in This Episode:
✅ How Patrick built his wealth through discipline, strategy, and hard work.
✅ The importance of achieving balance between life, wealth, and...
Unlock the Secrets to Wealth with The Street Smart Millionaire Podcast! Episode 2
🎙 Unlock the Secrets to Wealth with The Street Smart Millionaire Podcast! 💰
Rick Ruby doesn’t just talk about wealth—he’s lived it, built it, and now he’s sharing his blueprint for financial success. On The Street Smart Millionaire, Rick dives deep into the strategies, habits, and mindset shifts that transform your relationship with money and build lasting wealth.
🎧 What You’ll Learn in This Episode:
💡 How to manage your finances like a millionaire.
💡 Proven strategies to build and grow wealth.
💡 The mindset that separates the successful from the struggling.
Whethe...
Episode 1 | Building Wealth and Finding Balance: The Street Smart Millionaire Way
🎙️ The Street Smart Millionaire Podcast – Episode 1 Show Notes
Episode Title: Building Wealth and Finding Balance: The Street Smart Millionaire Way
Host: Rick Ruby
Release Date: [Insert Date]
Episode Duration: [Insert Length]
Episode Summary:
In the premiere episode of The Street Smart Millionaire, Rick Ruby shares his personal journey from humble beginnings in Detroit to becoming a multi-millionaire, successful mortgage industry leader, and business coach. Rick reveals the mindset, strategies, and discipline that have fueled his financial success and personal balance over the last 40+ years.
He breaks...
