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Owning a small business can be one of the most rewarding and challenging things a person does. Amid an uncertain economy and ever-evolving consumer trends, there is a lot to figure out and navigate to ensure your business thrives. Join hosts Jannese Torres (Yo Quiero Dinero) and Austin Hankwitz (Rate of Return) as they connect with small business owners and hear their stories about managing the ups and downs of starting and growing a small business. Listen to "Mind the Business: Small Busine ...
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Rich Habits Podcast

Austin Hankwitz and Robert Croak

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Introducing the Rich Habits Podcast — a financial literacy podcast for anyone ready to take back control of their money by implementing new habits. Join Robert Croak and Austin Hankwitz every Monday, Thursday, and Friday as they demystify the financial habits of the rich, share their own mistakes and shortcomings, and lay out the blueprint for you to succeed with money. Robert is a decamillionaire with 30+ years of business experience and $200M+ of company exits under his belt, while Austin ...
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz walk you through the real math behind your next car. Specifically, how the numbers shake out assuming you lease vs buy. --- 🔥 Ready for a FREE 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that. ⁠⁠⁠Click here!⁠⁠⁠ --- Want to…
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In this week's episode of the Rich Habits Radar, Robert Croak and Austin Hankwitz dissect the Fed's December rate cut expectations, Amazon's new $50B investment, and US Home Price trends (not good). --- 🚨 CLICK HERE to get 50% OFF the Rich Habits Network Annual Subscription! 🚨 Save $278 instantly! --- 🤝 Interested in learning more about ETFs? Check…
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Hey entrepreneurs! Your favorite hosts Jannese Torres (Yo Quiero Dinero & Financially Lit!) and Austin Hankwitz (Rate of Return & Rich Habits) are back for Season 4 of “Mind the Business: Small Business Success Stories", brought to you by iHeartMedia’s Ruby Studio in partnership with Intuit QuickBooks. This time around, we're diving deep with more …
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! --- 🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ --- 💰 Download the 2025 Wealth-Building Workbook, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz open up the playbook on how to get the best deals on Black Friday and Cyber Monday. --- 🎨 Skip the waitlist and invest in blue-chip art by signing up for Masterworks: https://www.masterworks.art/richhabits Content creator receives cash compensation from Masterworks,…
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In this week's episode of the Rich Habits Radar, Robert Croak and Austin Hankwitz are joined by CNBC legend Bob Pisani! Purchase Bob's new book, Shut Up and Keep Talking: Lessons on Life and Investing From the Floor of the New York Stock Exchange, on Amazon -- click here! --- 🤝 Interested in learning more about ETFs? Check out our friends at ETF Ce…
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In this week's episode of the Rich Habits Podcast, Robert and Austin answer your questions! --- AI For Everyone Elements of AI Essential AI Skills For Everyone Introduction to Artificial Intelligence OpenAI Academy --- 🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠cl…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz sit down with Troy Cates and Garrett Paolella from NEOS Funds to talk about profiting from market uncertainty. --- 🔥 Ready for a FREE 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that. ⁠⁠Click here!⁠⁠ --- Want to see what's…
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In this week's episode of the Rich Habits Radar, Robert Croak and Austin Hankwitz walk through the government reopening, YouTubeTVs dispute with Disney over ESPN and ABC, as well as the 50-year mortgage. --- Fill out this survey for a chance to win an Amazon Giftcard! --- 🤝 Interested in learning more about ETFs? Check out our friends at ETF Centra…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! --- 🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ --- 💰 Download the 2025 Wealth-Building Workbook, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share five side hustles that actually work. --- 🔥 Ready for a FREE 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that. ⁠Click here!⁠ --- Want to see what's inside Robert and Austin's portfolios, as well as learn from other i…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! --- 🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ --- 🏠 Download the Rich Habits Real Estate Hacks, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz shares their strategies to help you build wealth after receiving a raise in your job. --- 💸 Want to invest into SpaceX, Perplexity, xAI, MrBeast, Graza, Acorns, and other category-defining companies alongside Robert and Austin? ⁠⁠⁠Click here!⁠⁠ --- 🔥 Ready for a FRE…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share the headlines sitting at the top of the Rich Habits Radar. OpenAI's rumored 2026 / 2027 $1 Trillion IPO, the Fed's decision to potentially pause rate cuts in December, and Trump's trade deal with China. --- 💸 Want to invest into SpaceX, Perplexity, xAI, MrBeas…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! --- 💸 Want to invest into SpaceX, Perplexity, xAI, MrBeast, Graza, Acorns, and other category-defining companies alongside Robert and Austin? ⁠Click here!⁠ --- 🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Publi…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz walk you through the five financial accounts you need to set up BEFORE the calendar turns to 2026. --- 💸 Want to invest into SpaceX, Perplexity, xAI, MrBeast, Graza, Acorns, and other category-defining companies alongside Robert and Austin? ⁠⁠Click here!⁠⁠ --- 👉 Cal…
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In this week's episode of the Rich Habits Radar, Robert Croak and Austin Hankwitz talk about Amazon's plan to replace 600,000 employees with robots, the Trump Administration's newest stock picks, and Tesla's inflection point for Optimus. --- 💸 Want to invest into SpaceX, Perplexity, xAI, MrBeast, Graza, Acorns, and other category-defining companies…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! --- 💸 Want to invest into SpaceX, Perplexity, xAI, MrBeast, Graza, Acorns, and other category-defining companies alongside Robert and Austin? Click here! --- 🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public …
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz are joined by Bilal Little, the Director of Exchange Traded Products at the New York Stock Exchange. Bilal uncovered headline-worthy statistics surrounding ETFs, as well as shared his own definition of "diversification" when it comes to investing. --- 💰 Learn more a…
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In this week's episode of the Rich Habits Radar, Robert Croak and Austin Hankwitz walk through the bull market entering it's fourth year, the $1.5T bet on America, and the new Apple tabletop smart device slated to launch in 2026. --- ✅ Ready to start investing? Open a brokerage account on ⁠⁠⁠⁠⁠⁠⁠Public.com/richhabits⁠⁠⁠⁠⁠⁠⁠ and get a FREE 1% match …
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! Thank you all SO much for leaving such kind comments last week on our 100th Q&A episode, we're incredibly grateful to have so many of you that come back every week to listen to our show. --- 🔥 Ready for a free 1% match on your IRA contribution…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz sit down with Stephen Sikes, the COO of Public to discuss their newest product launch -- direct indexing! --- 💰 Start building a nest-egg for your financial future using ⁠Public! ⁠ The easiest way to start investing toward long-term wealth building is on ⁠Public.com…
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In this week's episode of the Rich Habits Radar, Robert Croak and Austin Hankwitz break down OpenAI's $100B deal with AMD, the newly-released 2026 tax bracket, and the recent rise in foreclosures. --- ✅ Ready to start investing? Open a brokerage account on ⁠⁠⁠⁠⁠⁠Public.com/richhabits⁠⁠⁠⁠⁠⁠ and get a FREE 1% match on all IRA deposits, transfers, and…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! --- 🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ --- 🏠 Download the Rich Habits Real Estate Hacks, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ --- 💰 Downlo…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their year-end money checklist to save on taxes and ensure wealth building for decades to come. --- 💰 Start building a nest-egg for your financial future using Public! The easiest way to start investing toward long-term wealth building is on Public.com -- get …
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In this week's episode of the Rich Habits Radar, Robert Croak and Austin Hankwitz talk Apple's new smart glasses, OpenAI becoming the world's most valuable privately-held company, and the government shutdown. --- ✅ Ready to start investing? Open a brokerage account on ⁠⁠⁠⁠⁠Public.com/richhabits⁠⁠⁠⁠⁠ and get a FREE 1% match on all IRA deposits, tran…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! --- ⚙️ Automate your entire financial workflow, from investing to saving, with ⁠Sequence⁠. 💰 Visit ⁠http://go.getsequence.io/richhabitspodcast⁠ to get started today! --- 🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz sit down with Ilya Pozin, the co-founder and CEO of Telly. Telly's business model is simple: give away premium TVs for free, then make money on the backend with ads. To learn more about Ilya Pozin, follow him on X and Instagram. To sign up for Telly's waitlist, visi…
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In this week's episode of the Rich Habits Radar, Robert Croak and Austin Hankwitz talk about Amazon's $2.5B fine incurred for tricking Prime members, Starbucks' planned closure of 400 locations, and Nvidia Investing $100B into OpenAI. --- ✅ Ready to start investing? Open a brokerage account on ⁠⁠⁠⁠Public.com/richhabits⁠⁠⁠⁠ and get a FREE 1% match o…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! --- 🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that, ⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠ --- 🏠 Download the Rich Habits Real Estate Hacks, ⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠ --- 💰 Download the 2…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz explain how $9.99 tricks your brain into buying more subscriptions than you need. By simply investing the $194 / month the average American has in subscriptions they don't use at 12% over 30 years, you'll have $678K in retirement. --- 🎨 Skip the waitlist and invest …
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In this week's episode of the Rich Habits Radar, Robert Croak and Austin Hankwitz walk through the biggest headlines and happenings impacting you and your money. We're joined by Bilal Little! Be sure to learn more about the ETF Central's podcast, ETF Central's website, and all things NYSE. --- ✅ Ready to start investing? Open a brokerage account on…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! --- 🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that, ⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠ --- 🏠 Download the Rich Habits Real Estate Hacks, ⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠ --- 💰 Download the 2025 …
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz interview Collin West. Collin is the founder and managing partner of Ensemble VC. Under his leadership, Ensemble has invested into countless startups that have turned into multi-billion dollar companies. In this interview, we learn about Collin's exact strategy for …
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! --- 🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that, ⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠ --- 🏠 Download the Rich Habits Real Estate Hacks, ⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠ --- 💰 Download the 2025 Weal…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz have a conversation with Ben Miller -- the CEO of Fundrise. Fundrise pioneered real estate investing for the average American. Today, they manage billions for hundreds of thousands of customers across multiple different asset classes. If you're not yet investing in …
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz walk through the biggest headlines and happenings impacting you and your money. This includes Trump's Tech CEO dinner, the weakening labor market, and Sydney Sweeney adding $1B to American Eagle's market cap. --- ✅ Ready to start investing? Open a brokerage account …
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! --- 🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that, ⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠ --- 🏠 Download the Rich Habits Real Estate Hacks, ⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠ --- 💰 Download the 2025 Wealth-B…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share the blueprint for diversifying your portfolio no matter the size. --- 🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that, ⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠ --- ✅ Attend the 2025 Blossom Investor Tour, ⁠click h…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz walk you through Nvidia's earnings results, Jerome Powell's recent speech in Jackson Hole, and Trump's new tariff on cheap Chinese goods. --- ✅ Ready to start investing? Open a brokerage account on ⁠Public.com/richhabits⁠ and get a FREE 1% match on all IRA deposits,…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! --- 🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that, ⁠⁠⁠⁠click here!⁠⁠⁠⁠ --- 🏠 Download the Rich Habits Real Estate Hacks, ⁠⁠⁠⁠click here!⁠⁠⁠⁠ --- 💰 Download the 2025 Wealth-Build…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz sit down with stable coin expert Nick Elledge, CEO of Stablecore. Nick walks us through the GENIUS Act, how it's impacting individuals and small business owners all around the world, and how to best position yourself for the future. --- 🔥 Ready for a free 1% match o…
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In this week's episode of the Rich Habits Radar, Robert Croak and Austin Hankwitz talk about Pop Mart's profits soaring +400% thanks to Labubu dolls, corporate bankruptcies hitting a 5-year high, and Chamath's new $250M SPAC focused on "American Exceptionalism." --- ✅ Ready to start investing? Open a brokerage account on Public.com/richhabits and g…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! --- 🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that, ⁠⁠⁠click here!⁠⁠⁠ --- ✅ Learn more about Airbnb Investor Academy, click here! --- 🏠 Download the Rich Habits Real Estate Hacks…
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In this week’s episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share with you how to 70X, 26X, and 10X your money over time. Remember, investing doesn’t mean you’re taking thousands of dollars at once and putting it in the markets – but sometimes $5 or $10. When you have compound interest on your side, investing any amount of m…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz walk through the rise of crypto treasury companies, the US government's 15% revenue share on China-specific chip revenue from Nvidia and Advanced Micro Devices, and Amazon's new same-day grocery delivery rollout. --- 💳 Earn 10% cash back on your first $500 spent wit…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! --- 🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that, ⁠⁠click here!⁠⁠ --- 🏥 Learn more about Long-Term Care Insurance from Suriance, click here! --- 🏠 Download the Rich Habits Real…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their three personal strategies for overcoming their own emotions during times of market volatility. --- 🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that, ⁠⁠⁠click here!⁠⁠⁠ --- 🏠 Download the Rich …
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In this week's episode of the Rich Habits Radar, Robert Croak and Austin Hankwitz walk through Apple's $600B investment in the United States, Trump's EO that allows 401(k) issuers to include crypto and private equity in your retirement accounts, and ESPN's deal with the NFL. --- 💳 Earn 10% cash back on your first $500 spent with Zena! Don't wait, i…
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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! --- 🔥 Ready for a free 1% match on your IRA contribution or rollover? Sign up for Public and take advantage of that, ⁠⁠click here!⁠⁠ --- 🏠 Download the Rich Habits Real Estate Hacks, ⁠⁠click here!⁠⁠ --- 💰 Download the 2025 Wealth-Building Work…
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