Capital Hacking

Hosted by Josh McCallen & John Edwin

Business Entrepreneurship EducationInterviews guests

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458

Latest episode

Oct 2026

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EN-US

About the show

Co-hosts Josh McCallen and John Edwin are on a mission to bring massive value to entrepreneurs and investors who want to elevate their game! Move from Motivation to MOMENTUM EFFICIENTLY and with MAXIMUM IMPACT! Capital Hacking shows how Human Capital and Cash Capital work together to create POWER! "With Great Power, Comes Great Responsibility" – Ben Parker

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October 23, 2026Episode 45421 min

Episode 454: The Purpose of Income Is to Buy More Income: The War Chest Principle with Christopher Hemmert

Poor people believe income is for paying bills. The middle class uses it to borrow more. Wealthy people use it to buy more income. Christopher Hemmert, creator of The War Chest Principle, joins Josh McCallen to explain why that difference shapes everything about how wealth is built and protected. After years in the service industry and a career in financial planning, Christopher came to believe that true wealth is your willingness and ability to create value for others. If you lose everything, that ability is what lets you build it all back. From there, the conversation gets practical. Christopher explains how financial institutions define liquidity as accessing capital without selling the asset, why he uses dividend paying cash value life insurance to mirror that structure, and the simple test for spotting a policy that serves the agent instead of you. He and Josh also discuss when to borrow against a war chest, why debt should only fund income producing assets, and why leaving income producing assets to your kids offers more security than leaving cash. Key Takeaways A war chest's job is readiness: capital structured so pressure never makes the decisions Wealthy people fund stable compounding assets first, then leverage them Borrow for income, never for consumption A well-designed policy builds meaningful cash value in year 1 Episode Highlights 00:00 Welcome and Introduction of Christopher Hemmert 01:43 From the Service Industry to Rethinking Traditional Finance 03:12 What Is the War Chest Principle? 04:13 Why True Wealth Is Built in Times of Duress 06:26 How Wealthy People and Institutions Define Liquidity 08:43 Designing Cash Value Whole Life for Maximum Liquidity 12:33 Should You Borrow Against Your War Chest to Invest? 15:45 The Purpose of Income Across Economic Classes 18:34 How to Connect with Christopher Hemmert Connect with Christopher YouTube: https://www.youtube.com/@ChristopherHemmert Website: https://warchestprinciple.com/ Learn More About Accountable Equity Website: http://www.accountableequity.com/ Free eBook: https://accountableequity.com/case-study/#register Enjoyed this episode? Follow the show and leave a rating or review. It helps more investors find these conversations. This episode is for educational purposes only and is not financial, tax, or legal advice. Turn your unique talent into capital and achieve the life you were destined to live. Join our community! We believe that Capital is more than just Cash. In fact, Human Capital always comes first before the accumulation of Financial Capital. We explore the best, most efficient, high-integrity ways of raising capital (Human & Financial). We want our listeners to use their personal human capital to empower the growth of their financial capital. Together we are stronger. Linkedin Facebook Instagram Apple Podcast Spotify

October 8, 2026Episode 45351 min

E453: From Capital to Calling: The Story Behind VIVÂMEE & Accountable Equity with Reign Streiter and Josh McCallen

Summary: In this engaging conversation, Reign Streiter interviews Josh McCallen about the acquisition and transformation of Renault Winery. They discuss the winery's rich history, the challenges faced during its acquisition, and the strategic pivot towards a wedding-focused business model. Josh shares insights into investor relations and funding strategies that helped revitalize the winery, making it a sought-after destination for events and tourism. The discussion also covers the challenges of leadership, the evaluation of property investments, and the future goals for their business, including community engagement and hiring practices that align with their service philosophy. Chapters: 00:00 Introduction to Capital Hacking 01:08 The Backstory of Renault Winery 03:50 Acquisition and Vision for Renault Winery 10:03 Syndication and Investor Relations 15:59 Navigating Challenges in Hospitality Investment 26:21 Investor Community and Impact 27:52 Scaling Human Capital in Hospitality 30:50 Service Excellence and Company Culture 36:12 Strategic Property Acquisition 40:03 Land Development and Conservation 43:42 Future Growth and Investor Relations Learn More About Accountable Equity: www.vivamee.com http://www.accountableequity.com/ Renault Winery Before & After: https://youtu.be/JpvcINWeg7M Access eBook: https://accountableequity.com/case-study/#register Turn your unique talent into capital and achieve the life you were destined to live. Join our community! We believe that Capital is more than just Cash. In fact, Human Capital always comes first before the accumulation of Financial Capital. We explore the best, most efficient, high-integrity ways of raising capital (Human & Financial). We want our listeners to use their personal human capital to empower the growth of their financial capital. Together we are stronger. Linkedin Facebook Instagram Apple Podcast Spotify

September 24, 2026Episode 45232 min

E452: Backed By Real Estate: The Build-to-Rent, Note, and Car Wash Investing Principles — with David Van Horn

In this episode, we welcome real estate legend, author, and co-founder/CEO of PPR Capital Management, David Van Horn, back to the podcast. Drawing on nearly 40 years of industry experience across multiple market cycles, Van Horn breaks down his evolution from hands-on investor and contractor to managing non-performing mortgages and commercial asset classes. The discussion spans a detailed breakdown of note investing dynamics, structured fund models leveraged alongside institutional capital, the booming build-to-rent (BTR) housing space, and the high-depreciation, recurring-revenue appeal of express car wash developments. Chapter Timestamps 00:36 – Welcome & Introduction of David Van Horn 02:02 – David Van Horn's 40-Year Real Estate Journey 03:45 – The Mechanics of Note & Mortgage Investing 08:16 – Analyzing Discounter Commercial Notes & Deeds in Lieu 11:46 – Fund Structuring & Institutional Capital Co-Investing 14:23 – The Growth and Tax Advantages of Build-to-Rent (BTR) 22:14 – BTR Exit Strategies & Market Selection 23:23 – Blended Rates & Investor Return Waterfall Expectations 26:03 – Investing in Express Car Wash Developments 28:06 – Car Wash Operations, Technology, and Depreciation Benefits 30:08 – How to Connect with David Van Horn & PPR Capital Management Connect with David: https://www.linkedin.com/in/dave-van-horn/ https://pprcapitalmgmt.com/ Learn More About Accountable Equity: Visit Us: http://www.accountableequity.com/ Access eBook: https://accountableequity.com/case-study/#register Turn your unique talent into capital and achieve the life you were destined to live. Join our community! We believe that Capital is more than just Cash. In fact, Human Capital always comes first before the accumulation of Financial Capital. We explore the best, most efficient, high-integrity ways of raising capital (Human & Financial). We want our listeners to use their personal human capital to empower the growth of their financial capital. Together we are stronger. Linkedin Facebook Instagram Apple Podcast Spotify

September 17, 2026Episode 45137 min

E451: Josh McCallen Shares Why Airbnb Gurus Are Shifting To Boutique Hotels - a Rebroadcast of the Cashflow Ninja Podcast

Summary In this episode of Capital Hacking, host Josh McCallen shares a re-release of his interview on Cash Flow Ninja with MC Laubscher. They examine shifting dynamics in commercial real estate, detailing why investors and major institutions like Blackstone are transitioning away from short-term rentals toward experiential boutique hotels and resorts. Josh outlines how Accountable Equity scales luxury destination properties by blending contract-backed revenue streams—such as high-end weddings—with ancillary services like health, wellness, and specialized amenities. The conversation also covers current acquisition criteria, the advantages of direct investing, and upcoming networking opportunities at the Learn & Grow conference. Chapters 01:37 – Welcome & Guest Introduction: Josh McCallen 03:00 – Josh McCallen's Background & Journey in Hospitality 06:16 – Market Shift: From Short-Term Rentals to Boutique Hotels 09:14 – Institutional Trends & Operational Alpha in Real Estate 12:21 – The K-Shaped Economy & Rising Demand for Experiential Wellness 15:30 – Historic Restoration & Evolving Consumer Beverage Preferences 20:04 – Building Multilayered Cash Flow Through Weddings & Events 23:03 – Strategic Real Estate Acquisitions & Portfolio Expansion 27:48 – Power of Regional Clustering & The "Learn & Grow" Event 29:48 – Direct Investing Benefits & Community-Building Insights 32:18 – How to Connect Learn More About Accountable Equity: Visit Us: http://www.accountableequity.com/ Access eBook: https://accountableequity.com/case-study/#register Turn your unique talent into capital and achieve the life you were destined to live. Join our community! We believe that Capital is more than just Cash. In fact, Human Capital always comes first before the accumulation of Financial Capital. We explore the best, most efficient, high-integrity ways of raising capital (Human & Financial). We want our listeners to use their personal human capital to empower the growth of their financial capital. Together we are stronger. Linkedin Facebook Instagram Apple Podcast Spotify

August 27, 2026Episode 45035 min

E450: The "Boring" Business Secretly Printing Cash: Inside LaundryLuv with Ken Wimberly

This episode features Ken Wimberly, a rugged entrepreneur, devoted family man, and former Navy serviceman. Drawing from his comprehensive background in commercial real estate and his experience as a Keller Williams franchisee, Ken discusses his entrepreneurial journey, including past business ventures and failures. He deep-dives into his latest venture, Laundry LUV, a company dedicated to disrupting the traditional laundromat industry by creating clean, safe, and family-centric spaces that focus on community impact and childhood literacy. Chapters 03:34 – Introducing Ken Wimberly and His Family 04:30 – Early Entrepreneurial Journey and First Business Failure 06:58 – Transition to Commercial Real Estate and Keller Williams 08:35 – Lessons from App Development Failure 09:12 – The Origins of Laundry LUV 10:50 – Becoming the "Chick-fil-A of Laundromats" and Childhood Literacy 13:51 – Franchise Experience and Meeting Co-Founder Skyler 17:04 – Laundromat Industry Statistics and Business Economics 21:16 – Staffing Models and Customer Service 22:02 – Five Lines of Revenue in the Laundromat Business 24:36 – Equipment Maintenance and Operations 25:56 – Financing and Technology in Modern Laundromats 27:59 – Current Locations and Growth Capital Strategy 31:48 – Leadership Training and Company Execution Roles 33:00 – Guest Contact Information and Event Updates Connect with Ken: https://www.laundryluv.com/ https://kenwimberly.com/ Learn More About Accountable Equity: Visit Us: http://www.accountableequity.com/ Access eBook: https://accountableequity.com/case-study/#register Turn your unique talent into capital and achieve the life you were destined to live. Join our community! We believe that Capital is more than just Cash. In fact, Human Capital always comes first before the accumulation of Financial Capital. We explore the best, most efficient, high-integrity ways of raising capital (Human & Financial). We want our listeners to use their personal human capital to empower the growth of their financial capital. Together we are stronger. Linkedin Facebook Instagram Apple Podcast Spotify

August 21, 2026Episode 44936 min

E449: Escape Wall Street for Good: A Blueprint for Financial Freedom with Joey Muré

This episode of Capital Hacking features guest Joey Muré, co-founder of Wealth Without Wall Street. He shares his personal journey from working long hours climbing the corporate ladder to discovering financial strategies like the Infinite Banking Concept (IBC) that allowed him to achieve true time and financial freedom. The conversation dives deep into how business owners can mimic banking systems using corporate life insurance strategies to build accessible capital and create executive loyalty plans. Joey also highlights the programs and community paths they offer to help individuals realign their cash flow, exit traditional government-regulated retirement plans, and step confidently into passive income investing. Chapters: 00:00 - Introduction 02:21 - Backstory and the Shift to Passive Income 04:14 - Defining Freedom and Critiquing Wall Street 08:05 - Deep Dive into the Infinite Banking Concept (IBC) 13:09 - Corporate and Executive Life Insurance Strategies 22:28 - Wealth Without Wall Street Community & Programs 29:02 - Tactical Advice: 401(k)s and Contract Law 32:15 - Closing Thoughts and Resources https://go.wealthwithoutwallstreet.com/capital-hacking Learn More About Accountable Equity: Visit Us: http://www.accountableequity.com/ Access eBook: https://accountableequity.com/case-study/#register Turn your unique talent into capital and achieve the life you were destined to live. Join our community! We believe that Capital is more than just Cash. In fact, Human Capital always comes first before the accumulation of Financial Capital. We explore the best, most efficient, high-integrity ways of raising capital (Human & Financial). We want our listeners to use their personal human capital to empower the growth of their financial capital. Together we are stronger. Linkedin Facebook Instagram Apple Podcast Spotify

August 19, 2026Episode 44831 min

E448: 3 Rules Every Small Multifamily Investor Should Follow with Matt Donnelly

In this episode of Capital Hacking, I had the pleasure of welcoming my good friend Matt Donnelly, a seasoned real estate investor with over 20 years of experience. We kicked off the show with some personal updates, including my daughter's recent wedding, before diving into the exciting world of small multifamily real estate investments. Matt shared his innovative "rock solid" strategy for acquiring smaller apartment buildings, particularly in our local market of Conshohocken, Pennsylvania. He emphasized the importance of knowing your market, identifying properties with value-add potential, and building strong relationships with banks and contractors. Chapters: 00:00:00 - Introduction to Capital Hacking and Guest Introduction 00:01:00 - Personal Update: Robert's Daughter's Wedding 00:01:30 - Overview of Matt Donnelly's Real Estate Experience 00:02:30 - The Rock Solid Strategy for Buying Apartment Buildings 00:04:00 - Importance of Location in Real Estate Investment 00:05:30 - Value-Add Opportunities in Multifamily Properties 00:06:30 - Strategic Refinancing and Bank Relationships 00:08:00 - Building a Strong Operational Team in Real Estate 00:10:00 - Invitation to Partner on New Real Estate Deals Connect with Matt: www.GoldLegacyClub.com hello@GoldLegacyClub.com YouTube: https://www.youtube.com/@mattdonnellyre Facebook: https://www.facebook.com/matt.donnelly.77 Instagram: https://www.instagram.com/mattdonnellyre/ LinkedIn: https://www.linkedin.com/in/mattdonnellypa/ Learn More About Accountable Equity: Visit Us: http://www.accountableequity.com/ Access eBook: https://accountableequity.com/case-study/#register Turn your unique talent into capital and achieve the life you were destined to live. Join our community! We believe that Capital is more than just Cash. In fact, Human Capital always comes first before the accumulation of Financial Capital. We explore the best, most efficient, high-integrity ways of raising capital (Human & Financial). We want our listeners to use their personal human capital to empower the growth of their financial capital. Together we are stronger. Linkedin Facebook Instagram Apple Podcast Spotify

July 30, 2026Episode 44741 min

E447: From Business Owner to Family Office: The Rockefeller Playbook You Can Implement Today with M.C. Laubscher

In this episode of Capital Hacking, Josh sits down with renowned investor, entrepreneur, and Cashflow Ninja host MC Laubscher to discuss how business owners can apply family office principles—without needing millions of dollars. MC shares insights from over 20 years of studying successful entrepreneurs, investors, and family offices, introducing the framework behind his new book, "The Family Office for Business Owners: Build a Family Wealth System as Powerful as Your Business." Listeners will learn how to create a family operating system, preserve wealth across generations, establish a family bank, improve governance, and think like long-term wealth builders rather than simply business operators. Chapters: 00:00 – Introduction & episode overview 03:08 – MC Laubscher's background and journey into investing 10:06 – How the new book came to life 17:50 – Why every business owner should think like a family office 19:54 – The Five Pillars of a Family Wealth System 29:10 – Succession planning and preparing the next generation 33:15 – Creating a Family Bank with Infinite Banking 35:02 – Asset management, long-term investing & final insights 39:33 – Where to get the book and connect with MC 40:07 – Closing remarks and outro Connect with MC: https://www.producerswealth.com/familyofficebook https://producerswealth.com/ https://a.co/d/08uE6kKR Learn More About Accountable Equity: Visit Us: http://www.accountableequity.com/ Access eBook: https://accountableequity.com/case-study/#register Turn your unique talent into capital and achieve the life you were destined to live. Join our community! We believe that Capital is more than just Cash. In fact, Human Capital always comes first before the accumulation of Financial Capital. We explore the best, most efficient, high-integrity ways of raising capital (Human & Financial). We want our listeners to use their personal human capital to empower the growth of their financial capital. Together we are stronger. Linkedin Facebook Instagram Apple Podcast Spotify

July 23, 2026Episode 44623 min

E446: Co-Living Capital Hacking: The Formula for Passive Cash Flow with Charles Rossano

In this episode of Capital Hacking, we interview Charles Rossano, founder of Cohaven, about his journey from scaling technology companies to building an innovative real estate investment platform focused on shared living (co-living). Charles shares how mentorship led him into real estate, why he believes affordable shared housing is one of today's biggest investment opportunities, and how his company combines real estate investing, property management, capital raising, and AI automation into a scalable business model. The conversation also explores raising capital, building operator communities, using GoHighLevel with AI, and the growing demand for affordable housing solutions for adults aged 55+. Chapters: 01:57From Tech Entrepreneur to Real Estate Investor 03:58Finding a Mentor & Building a Real Estate Career 06:21Learning Capital Raising & Launching Cohaven 11:04Understanding the Shared Living (Co-Living) Investment Model 13:38How Shared Living Generates Higher Returns for Investors 16:26Building Operations, Teams & Scaling the Business 17:25Using AI & GoHighLevel to Automate Real Estate Operations 21:36Why 55+ Independent Living is the Next Big Opportunity Connect with Charles: https://www.cohavencapital.com/ https://www.linkedin.com/company/cohaven-capital/ https://www.linkedin.com/in/charlesrossano/ Learn More About Accountable Equity: Visit Us: http://www.accountableequity.com/ Access eBook: https://accountableequity.com/case-study/#register Turn your unique talent into capital and achieve the life you were destined to live. Join our community! We believe that Capital is more than just Cash. In fact, Human Capital always comes first before the accumulation of Financial Capital. We explore the best, most efficient, high-integrity ways of raising capital (Human & Financial). We want our listeners to use their personal human capital to empower the growth of their financial capital. Together we are stronger. Linkedin Facebook Instagram Apple Podcast Spotify

July 16, 2026Episode 44527 min

E445: 20 Years Inside NVR's Production Machine: How a GoBundance Builder Now Coaches Entrepreneurs on Systems & Scale — with Peter Mielnik

In this episode of Capital Hacking, we had the honor of hosting Peter Mielnik, a remarkable individual with an inspiring journey from the corporate world to ultra-marathon running and coaching. Peter shared his background, starting from his blue-collar roots and his time as a wrestler at Penn State, to his impressive 24-year career at NVR, one of the most profitable home builders in the nation. We delved into Peter's transformative experiences, including his decision to leave his corporate job to pursue a life of greater impact and fulfilment. He emphasized the importance of vision and commitment, explaining how he reverse-engineers his goals into actionable steps. Peter also discussed his incredible achievement of running a 100-mile ultra-marathon, which he undertook to raise funds for the Open Way Foundation, a charity supporting orphaned youths in Nepal. Throughout our conversation, Peter highlighted the significance of accountability and personal ownership in achieving one's goals. He shared practical tools, such as journaling and creating a "manifest" of important tasks, to help listeners hold themselves accountable and measure their progress. Chapters: 00:00:00 - Introduction to the Episode and Guest 00:01:14 - Peter Mielnik's Background and Journey 00:02:22 - Transition from Wrestling to Home Building 00:03:26 - Achievements at NVR and Financial Milestones 00:04:32 - The Decision to Leave NVR and Pursue Coaching 00:05:41 - Supporting the Open Way Foundation and Charity Work 00:08:01 - Highlights from the Copper Kings 100 Ultra Marathon 00:12:26 - The Importance of Vision and Accountability in Life 00:20:11 - Tools for Self-Accountability and Journaling Techniques 00:25:48 - How to Connect with Peter Mielnik Connect with Peter: https://www.linkedin.com/in/peter-mielnik-0a87324/ Learn More About Accountable Equity: Visit Us: http://www.accountableequity.com/ Access eBook: https://accountableequity.com/case-study/#register Turn your unique talent into capital and achieve the life you were destined to live. Join our community! We believe that Capital is more than just Cash. In fact, Human Capital always comes first before the accumulation of Financial Capital. We explore the best, most efficient, high-integrity ways of raising capital (Human & Financial). We want our listeners to use their personal human capital to empower the growth of their financial capital. Together we are stronger. Linkedin Facebook Instagram Apple Podcast Spotify