Inside The Vault with Ash Cash

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About the show

Inside the Vault is the #1 Financial Literacy podcast for Everyday People, who aspire to Become Millionaires. Hosted by Ash Cash, one of the Top Financial Educators in the world, this podcast Empowers our listeners (Insider’s) with the Mindset, Motivation, and Money Moves to Manifest Millions! Inside The Vault brings inspiring money strategies and stories straight from today’s top business minds, authors and influencers. Learn the basics of how they built their wealth from scratch and how you can follow their blueprint to do the same. Inside The Vault answers questions about money, careers, and entrepreneurship. Advice and insights always delivered through the lens of the everyday person.

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1 hr 11 min

ITV #273: AI Is Creating Millionaires FAST! How to Build Business w/ AI Agents (No Coding) | Inside The Vault

AI is moving faster than almost any technology shift we’ve seen before — and according to Justin Burns, the biggest opportunity isn’t just using AI. It’s building with it . Justin Burns returns to Inside the Vault with Ash Cash to break down the rise of AI agents, no-code technology, and the “Agentic Age” — where AI can move beyond answering questions and actually perform tasks for your business. Justin explains how he currently uses dozens of AI agents across marketing, sales, customer support, operations, research, and content — all while building technology that once would have required large teams and major development budgets. Pasted markdown In this episode, Ash and Justin break down how everyday entrepreneurs can use AI to identify profitable problems, validate business ideas, build apps without traditional coding experience, automate repetitive work, and create businesses around changing consumer behavior. Justin also shares real-world examples of how AI has dramatically reduced the cost and time required to build technology — including replacing processes that once required developers, editors, marketers, and support teams. They discuss: • What the “Agentic Age” actually means • How AI agents can perform work instead of just answering prompts • Why Justin says he has roughly 50 AI agents working across his business • How entrepreneurs can find profitable problems using AI • Building apps and technology without knowing how to code • Why every business may eventually need a technology layer • Creating a complete tech ecosystem instead of just one product • Using AI agents for marketing, sales, operations, and customer support • How AI can research customers and identify what they actually want • Turning one-person businesses into highly automated companies • Why execution matters more than simply having access to AI • How one founder from Justin’s ecosystem is reportedly pursuing a seven-figure acquisition • Why the future belongs to the builders Justin’s message is simple: AI isn’t only changing jobs — it’s changing who has the ability to build businesses. If you’ve been sitting on an idea because you thought you needed developers, a massive budget, or years of technical experience, this episode is for you. BUILD WITH JUSTIN BURNS Join the Apps Built With AI Build-A-Thon : https://appsbuildathon.com/ticket-page?rootabl=iamashcash&lid=ogi2Tnnn Learn more about Apps Built With AI: AppsBuiltWithAI.com Connect with Justin Burns: Instagram: @ceojustinburns OfficialJustinBurns.com Inside the Vault: @insidethevault InsideTheVaultShow.com Host: @iamashcash IAmAshCash.com ABUNDANCE IS YOUR BIRTHRIGHT. Join Ash Cash and a community focused on building wealth, increasing income, strengthening your mindset, and creating a more abundant life: TheAbundanceCommunity.com AI tools, business results, income examples, acquisition discussions, and case studies discussed in this episode reflect the guest’s experiences and perspectives. Results are not guaranteed, and specific tools, pricing, features, and availability may change over time. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

59 min

ITV #272: How to Get Up to $250K for a Startup With a 620 Credit Score | Inside The Vault

What if you didn’t need years in business, six figures in revenue, or perfect credit to fund your idea? Stormi Banks and Trishonna return to Inside the Vault with Ash Cash to break down The Startup Formula — using private lending and grants to access capital when traditional banks may not be an option. Trishonna explains how some private lending programs can offer $50,000 to $250,000 in startup funding with credit scores around 615–620 , while other programs may work with lower scores for smaller amounts. She shares how private lending helped her open an ice cream shop that went on to generate six figures in its first 60 days. Pasted text Stormi, a certified grant writer whose company says it has helped secure more than $23 million in grant funding , breaks down why grants can be powerful for startups, how to position your business to compete, and why getting funded requires more than simply filling out an application. Pasted text They also explain why entrepreneurs need multiple sources of capital, how to approach lenders, why you shouldn’t spend business funding on lifestyle expenses, and how faith, discipline, and taking action can change the trajectory of your business. In this episode: • How startups may access up to $250K in private funding • Why a 620 credit score may open more options than you think • Private lenders vs. traditional banks • Startup funding without giving away equity • How grants work and why they’re competitive • How Stormi’s company helped secure $23M+ in grants • Why businesses need multiple streams of OPM • Grant matching and funding strategies • How Trishonna found the lender that changed her life • Why faith and action matter in entrepreneurship • $60K reportedly funded on Day One of their accelerator • Knowing when distractions are keeping you from your assignment • Why “delayed obedience is still disobedience” STARTUP FORMULA CHALLENGE Text ASH START to 833-461-0471 to learn more about the 2-Day Startup Formula Challenge. Connect with the guests: Trishonna: @trishonna Stormi Banks: @iamstormibanks Inside the Vault: @insidethevault InsideTheVaultShow.com Host: @iamashcash IAmAshCash.com ABUNDANCE IS YOUR BIRTHRIGHT. Join Ash Cash and a community focused on building wealth, increasing income, strengthening your mindset, and creating a more abundant life: TheAbundanceCommunity.com Funding availability, approval criteria, interest rates, repayment terms, and grant awards vary by lender, program, applicant, and business. The discussion is educational and does not guarantee funding or approval. TIMESTAMPS 00:00 – The startup funding myths holding people back 01:08 – Ash Cash book CTA 02:10 – Welcome to Inside the Vault 03:55 – Meet Stormi Banks & Trishonna 04:12 – $23M+ in grant funding 05:17 – Why startups think they can’t get funded 06:56 – Private lending for new businesses 07:31 – Starting an ice cream shop with no money 08:06 – Up to $250K with around a 620 credit score 08:56 – Private lenders vs. traditional banks 09:59 – Interest rates, equity & repayment terms 10:50 – Grants you don’t have to repay 11:52 – How Stormi discovered business grants 12:14 – Why most people lose grant competitions 14:20 – Why businesses need multiple sources of OPM 15:23 – The 8-hour wait that changed Trishonna’s life 16:12 – How private lenders can grow with your business 17:06 – Grant matching explained 18:18 – Why helping others became the mission 20:49 – Faith, purpose & the fear of God 23:26 – Praying for the capacity to handle more 27:28 – $60K funded on Day One 28:07 – Who the Startup Formula is for 29:17 – When the distraction is someone you love 32:04 – Why you have to “starve the flesh” 38:49 – How Stormi & Trishonna became partners 49:41 – Turning imagination into a business 52:15 – How to join the Startup Formula Challenge 53:08 – “If you can’t beat the CEO, be the CEO” 56:30 – Delayed obedience is still disobedience 57:17 – Connect with Stormi & Trishonna 57:42 – Closing the Vault Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

52 min

ITV #271: She Went From Making $10K a Day to Building a Seven-Figure Tax Business | Inside The Vault

Cheyenne Drayton’s story is bigger than taxes. Before becoming a multi-seven-figure business owner, Cheyenne says she was making roughly $10,000 a day in the streets . But behind the money was survival mode, instability, and a life that almost cost her everything. After being robbed, raided, spending five days in jail, and losing custody of her children, Cheyenne made a decision: there was no Plan B. She went all in on the tax industry. In her first year, Cheyenne says she built a team of more than 300 tax professionals and generated approximately $464,000 . Pasted text Inside the Vault, Cheyenne opens up to Ash Cash about growing up homeless, becoming a teenage mother, rebuilding her life after the streets, learning how to manage money, creating income beyond tax season, and using AI and automation to build a business that gives her more time with her three sons. She also shares why her greatest wins aren’t always the million-dollar results — sometimes it’s watching someone on her team go from sleeping in a car to finally being able to support themselves. In this episode: • Making $10K a day in the streets • The robbery that made her question everything • Getting raided, going to jail, and losing her children • Making $464K her first year in taxes • Scaling to 300+ tax professionals • Creating income outside of tax season • Monthly recurring revenue and digital products • Using AI to answer client and team questions 24/7 • Automating a business so you can get your time back • Motherhood, faith, and raising three boys • Supporting her son through Duchenne muscular dystrophy • Why your past does not have to determine your future • Learning to love yourself instead of searching for it in others Cheyenne’s message is simple: sometimes nobody is coming to save you — and your future does not have to look like what you’ve been through. Pasted text Connect with Cheyenne Drayton: Instagram / TikTok / YouTube: @thecdrayton Website: NextLevelWealth.us Free Tax Industry Masterclass: Every Tuesday Inside the Vault: @insidethevault InsideTheVaultShow.com Host: @iamashcash IAmAshCash.com ABUNDANCE IS YOUR BIRTHRIGHT. Join Ash Cash and a community focused on building wealth, increasing income, strengthening your mindset, and creating a more abundant life: TheAbundanceCommunity.com TIMESTAMPS 00:00 – Cheyenne’s story in her own words 01:02 – Ash Cash book CTA 02:03 – Welcome to Inside the Vault 04:48 – Meet Cheyenne Drayton 05:50 – Becoming a multi-seven-figure entrepreneur 06:30 – Growing up homeless and in survival mode 07:28 – Getting into the streets 08:15 – 300 tax professionals & $464K her first year 10:36 – Making $10K a day in the streets 11:10 – The robbery that changed everything 12:06 – Her son’s diagnosis and reconnecting with God 12:40 – The raid she saw as an answered prayer 12:56 – “God, give me one more chance” 13:50 – How she found the tax industry 15:52 – Five days in jail to tax season 17:05 – Learning how to manage legitimate money 19:42 – Why she pours into other women 25:35 – From the streets to multimillionaire 26:46 – Making money beyond tax season 27:28 – Monthly recurring revenue & digital products 29:54 – The wins that matter most to Cheyenne 33:12 – Why she recommends the tax industry 35:35 – How Cheyenne uses AI in her business 36:40 – Automating a team of 300+ tax professionals 38:26 – Buying back time as a mother 40:05 – Her son’s battle with Duchenne muscular dystrophy 45:17 – Your future doesn’t have to look like your past 47:09 – What she would tell her 18-year-old self 48:19 – Cheyenne’s free tax masterclass 49:12 – Next Level Wealth 51:20 – Connect with Cheyenne 51:30 – Closing the Vault Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

1 hr 12 min

ITV #270: The $10 Trillion Wealth Transfer Most People Don’t Even Know Is Happening | Inside The Vault

One of the largest wealth transfers in American history is happening right now — and most people are too distracted to see it. Derek Boone, Joy Hunt, and Ramel Newerls return to Inside the Vault with Ash Cash for a special conversation about what they call The Wealth Code : how to build income, protect it, leverage it, and pass it down. Ramel breaks down why thousands of baby boomers retiring every day could create one of the biggest ownership opportunities in history as profitable small businesses change hands. Instead of starting from scratch, he explains how everyday people may be able to acquire businesses that already have customers, cash flow, and systems in place. Derek shares how he says he created approximately $2 million in wealth for his son in 12 months through real estate, reinvestment, and compounding assets — and why waiting for the perfect opportunity can keep people stuck. Pasted text Joy explains the other side of wealth: protection. Making money and acquiring assets means little if improper business structure, lawsuits, probate, or poor estate planning can take away what you worked to build. Together, they break down business acquisitions, seller financing, real estate, grants, life insurance, leverage, mindset, environment, estate planning, and why generational wealth requires more than simply making more money. In this episode: • The $10 trillion wealth transfer they believe most people are missing • Why retiring baby boomers may create opportunities to buy existing businesses • Buying profitable businesses instead of starting from scratch • How seller financing works • How Derek says he built $2M in wealth for his son in 12 months • Why starting small can still create major wealth • Trusts, holding companies, and protecting assets • Using 401(k)s, HELOCs, grants, insurance, and partnerships as leverage • Why they prefer “our people’s money” over “other people’s money” • How one student reportedly received a $200K nonprofit grant • Why environment can change your financial trajectory • What happens when family or your partner doesn’t understand your vision • Why estate planning matters before it’s too late • Financial independence for women • Legacy and financial responsibility for men • Why mindset starts the process and momentum keeps it going • How identity, consistency, and small daily actions can change your future Financial, legal, tax, real estate, insurance, and investment strategies discussed in this episode reflect the guests’ experiences and perspectives. Outcomes are not guaranteed. Consult qualified professionals for advice specific to your situation. CONNECT WITH THE WEALTH CODE TEAM Derek Boone Instagram: @dsbone Joy Hunt Instagram & TikTok: @joyhunt_esq Ramel Newerls Mogul Lifestyle — all platforms The Wealth Code 5-Day Challenge: Text WEALTH to 347-429-6496 Pasted text Inside the Vault: @insidethevault InsideTheVaultShow.com Host: @iamashcash IAmAshCash.com ABUNDANCE IS YOUR BIRTHRIGHT. Join Ash Cash and a community focused on building wealth, increasing income, strengthening your mindset, and creating a more abundant life: TheAbundanceCommunity.com TIMESTAMPS 00:00 – Small progress beats no progress 01:30 – Ash Cash book CTA 02:32 – Welcome to Inside the Vault 03:30 – Meet Derek Boone, Joy Hunt & Ramel Newerls 05:57 – What is the Wealth Code? 06:27 – 10,000 baby boomers retiring every day 06:43 – The $10 trillion wealth transfer 07:22 – Derek built $2M in wealth for his son 09:49 – Protecting assets with trusts and holding companies 11:23 – Why buying a business can beat starting one 12:15 – Build it, protect it, pass it down 12:48 – Seller financing explained 13:21 – Buying a business with the owner still coaching you 16:38 – How Derek created $2M for his son in 12 months 17:19 – Why reinvesting changes everything 18:23 – Turning a $36K house into bigger opportunities 20:29 – Why your environment matters 21:51 – Friends and family can become dream killers 23:06 – What if your partner is holding you back? 25:26 – The 50+ things you can leverage right now 26:40 – A student who reportedly got a $200K grant 27:38 – “Other people’s money” vs. “our people’s money” 30:02 – A $700K real estate deal with almost no down payment 31:18 – Using family credit to keep a deal alive 32:03 – Why proof of concept matters 33:45 – How to find business grants 34:38 – A grant that doesn’t require an LLC 38:18 – Wealth doesn’t have to mean waiting 10 years 39:16 – Join the 5-Day Wealth Code Challenge 41:09 – The estate-planning mistake that changed Ramel’s family 42:35 – Losing access to money because paperwork wasn’t right 44:39 – Mindset starts it, momentum keeps it going 46:31 – While you’re arguing, somebody else is buying assets 49:28 – Why women need financial independence 51:01 – A man’s responsibility to build legacy 52:16 – The $50K mastermind and four-generation thinking 53:13 – What to do when you feel financially stuck 56:22 – How the right room can change your life 57:20 – The decision that changes everything 58:27 – Small progress beats no progress 59:37 – Stop focusing on the goal, focus on the actions 1:02:58 – Michael Jordan’s 40-point mindset 1:04:04 – Comfort can kill your growth 1:05:09 – Final lessons from the Wealth Code team 1:10:03 – The more you learn, the more you earn 1:10:35 – Connect with Derek, Joy & Ramel 1:11:13 – Wealth Code 5-Day Challenge 1:11:31 – Closing the Vault Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

1 hr 0 min

ITV #269: How to Get $100K in Business Funding with a 600 Credit Score | Inside The Vault

What if a 600 credit score doesn’t automatically disqualify you from getting serious business funding? Brandon Jackson and Tevin Facey of Millionaire Essentials join Ash Cash inside the vault to break down how entrepreneurs can use credit, business funding and leverage to access capital—and more importantly, what to do with the money once you get it. They explain why your credit score is only one piece of the funding equation, how CDFIs may provide opportunities for borrowers who don’t fit traditional bank standards, and why a strong business plan can matter just as much as the number on your credit report. The conversation goes much deeper than getting approved. Brandon and Tevin explain how entrepreneurs can use 0% business credit cards, lines of credit and other forms of capital to grow businesses, invest in real estate and create cash flow without falling into the trap of using debt to pay debt. They also share a client example in which they say $200,000 in funding was used to purchase and flip real estate, resulting in more than $500,000 in returns. In this episode: • How a 600 credit score may still qualify for certain funding opportunities • What CDFIs are and how they work • Why a 750 credit score doesn’t guarantee approval • What lenders actually look for beyond your score • Business credit cards vs. lines of credit vs. loans • How 0% introductory business credit can be used strategically • Why you should never use debt just to pay other debt • How credit utilization affects your funding profile • Why a business plan matters before you borrow money • How to research banks before applying • Using business funding for real estate and group homes • Why mentorship and relationships can accelerate your business • How Millionaire Essentials built a seven-figure business through partnership and community • The difference between access to capital and actually building wealth Funding approvals, credit limits, interest rates and lending requirements vary by lender, borrower and business. The strategies and results discussed are the guests’ reported experiences and examples and are not guaranteed. This episode is for educational purposes only. Connect with Millionaire Essentials: Instagram / Facebook / YouTube: ⁨@MillionaireEssentials⁩ Tevin: @tevinfacey Brandon: @brandontheprovider Inside the Vault: @insidethevault Host: @iamashcash IAmAshCash.com ABUNDANCE IS YOUR BIRTHRIGHT. Join Ash Cash and a community focused on building wealth, increasing income, strengthening your mindset, and creating a more abundant life: TheAbundanceCommunity.com TIMESTAMPS 00:00 – Business funding is leverage 00:58 – Ash Cash book CTA 01:59 – Welcome to Inside the Vault 03:12 – Meet Brandon & Tevin of Millionaire Essentials 06:10 – The missing piece: having a real business plan 07:26 – The biggest mistake people make with funding 08:34 – Why personal credit still matters 10:04 – Stop thinking small about your business 12:43 – Business credit cards, lines of credit & loans 13:33 – Why they recommend 0% business credit first 15:48 – Good debt vs. bad debt 16:11 – The danger of overleveraging 18:16 – How to become more fundable 20:31 – Credit utilization explained 21:54 – What banks look for when you want $100K 23:07 – How to research the right banks 27:19 – Why mentorship speeds up the process 28:58 – Can you get funding with a 600 credit score? 29:27 – CDFIs explained 30:28 – How a business plan could support a $100K request 32:06 – Why a 750 score still may not be enough 33:15 – The truth about “$100K with no docs” marketing 35:30 – Group homes using business funding 36:02 – $200K in funding turned into $500K+ in real estate 37:00 – Why they entered the group home space 39:23 – Helping Lynette Jones reach an 800+ credit score 41:15 – Turning group homes into sellable businesses 43:13 – Why mentorship should never stop 44:36 – Millionaire Mastery Club 46:19 – How to market and scale your business 47:40 – Why community matters more than information 49:48 – How one relationship became a seven-figure business 50:04 – Their business funding “hack” 53:00 – Using CDFIs for land and development 54:16 – The mindset you need before taking business funding 55:59 – Connect with Brandon & Tevin 56:43 – How to vet a business mentor 58:05 – 7-day access to their community 59:07 – Closing the Vault & Abundance Community Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

55 min

ITV #268: She Says Getting $1 Million in Business Funding Is Easier Than Making It | Inside The Vault

Summer Raphael joins Ash Cash inside the vault to break down what entrepreneurs need to know about business funding, taxes, credit, business structure and becoming more fundable. After starting her financial career at a credit union, Summer gained experience in accounting, loan servicing, auto finance and tax preparation before becoming an entrepreneur herself. Now she helps business owners understand something many people overlook: making money is only part of the game. How your business is structured, how your credit looks and how lenders view you can affect your ability to access capital. Summer makes one of the biggest statements of the episode when she says that, if your credit and business are properly structured, getting $1 million in business funding can be easier than making your first $1 million in business. In this episode: • Why business structure matters for funding • LLCs vs. corporations • What an S Corp actually is • Why Summer believes corporations may have funding advantages • How personal and business credit work together • Why access to capital can help businesses scale • What lenders may look at before approving funding • Why Summer prefers credit unions • Turning a tax business into multiple income streams • Using software and systems to create more freedom • Why getting funding without a plan can put you right back in debt • The role mentorship played in Summer’s growth • Why visibility and consistency matter in business Tax rules, lending criteria, entity structures and funding requirements vary by business, lender and jurisdiction. This conversation reflects Summer’s experience and perspective and is for educational purposes only. Consult qualified tax, legal and financial professionals for advice specific to your situation. Connect with Summer Raphael: Instagram: @summermarie_87 Facebook: Summer Marie TikTok: Learn With Me Summer Marie Inside the Vault: @insidethevault InsideTheVaultShow.com Host: @iamashcash IAmAshCash.com ABUNDANCE IS YOUR BIRTHRIGHT. Join Ash Cash and a community focused on building wealth, increasing income, strengthening your mindset, and creating a more abundant life: TheAbundanceCommunity.com TIMESTAMPS 00:00 – Getting $1M vs. making $1M 01:05 – Ash Cash book CTA 02:07 – Welcome to Inside the Vault 03:42 – Meet Summer Raphael 04:56 – Her background in banking and finance 06:47 – The biggest business funding mistake 08:12 – Do you really need an LLC? 09:05 – Corporation vs. LLC for funding 09:32 – Can you convert an LLC later? 11:18 – What an S Corp actually is 12:17 – LLCs, corporations & liability 15:24 – The truth about “double taxation” 18:34 – Why Summer left corporate America 19:31 – How she got into the tax business 21:18 – Financial freedom & being present for her kids 23:38 – Turning tax software into residual income 24:34 – Why tax professionals need CRMs 27:45 – Credit, funding & becoming fundable 28:03 – What to do after you get business funding 29:03 – Why credit comes first 31:48 – Why Summer keeps investing in mentorship 34:45 – Building and scaling a tax business 36:47 – Where should a new entrepreneur start? 37:00 – “It’s easier to get $1M than make $1M” 38:03 – What can a 780 credit score unlock? 38:44 – Business credit bureaus explained 39:34 – Banks vs. credit unions 41:25 – Summer’s vision for the future 43:27 – Why “just start an LLC” isn’t one-size-fits-all 44:34 – Summer’s advice: just do it 45:16 – Finding your purpose 49:17 – Why perspective can change your life 51:10 – Are you holding yourself back? 53:13 – Connect with Summer 53:35 – Closing the Vault 54:02 – Join the Abundance Community Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

1 hr 5 min

ITV #267: AI is Killing Tech Jobs but He Used It To Make $500k a Year & Retire at 28 | Inside The Vault

Tayo Lusi joins Ash Cash inside the vault to break down how he went from struggling in tech with debt, low credit and limited income to building a cloud engineering career that paid him as much as $489,000 in a single year — and retiring from corporate America at just 28. His biggest lesson: the problem wasn’t only debt. It was income potential. Tayo explains how cloud engineering, positioning, negotiation, job stacking, C2C contracts and AI helped him create more leverage. He also breaks down why AI doesn’t automatically make you less valuable — if you know how to use it to learn faster, produce faster and solve bigger problems. In this episode: • How he went from help desk to $135K in 2 months • Scaling to $489K a year through cloud engineering • Ethical and legal job stacking • W-2 vs. 1099 vs. C2C • Why positioning can matter more than working harder • A student who received $1.5M in offer letters • How to negotiate salary without naming your number first • Why he believes AI can make skilled workers more valuable • What he would NOT spend the next year learning in tech • How he retired at 28 after investing 90–95% of his income • His step-by-step framework for learning high-income skills with AI Results discussed are Tayo’s reported experiences and student examples. Compensation, job opportunities and investment outcomes vary and are not guaranteed. Connect with Tayo Lusi: Instagram: @tayolusi Inside the Vault: @insidethevault InsideTheVaultShow.com Host: @iamashcash IAmAshCash.com ABUNDANCE IS YOUR BIRTHRIGHT. Join Ash Cash and a community focused on building wealth, increasing income, strengthening your mindset, and creating a more abundant life: TheAbundanceCommunity.com TIMESTAMPS 00:00 – It’s not about working harder 01:11 – Ash Cash book CTA 02:12 – Welcome to Inside the Vault 04:32 – Meet Tayo Lusi 05:16 – $10/hour after earning a tech degree 05:35 – From $35K to $489K a year 06:29 – $70K debt and a 530 credit score 08:19 – Why he attacked income instead of debt 10:33 – “Make more money, work less” 10:49 – Discovering cloud engineering 11:00 – Help desk to $135K in 2 months 12:24 – His mentor tells him to double the goal 13:20 – Job stacking explained 14:21 – C2C contracts and leverage 17:30 – Your employer doesn’t determine your worth 18:10 – Is employee loyalty outdated? 20:07 – What makes a skill “high leverage”? 22:43 – 10,000 applications to $1.5M in offers 23:11 – The truth about that $1.5M number 24:35 – How to position your resume 30:22 – “Don’t look at the tree, look at the root” 31:20 – AI is coming for your job… or is it? 32:51 – How AI can make you more valuable 34:01 – A 2-week task done in 2 minutes 34:21 – Is learning to code outdated? 35:35 – His advice to a 22-year-old 39:30 – Urgency and priority change everything 40:40 – What he would NOT learn in tech right now 43:50 – The salary negotiation question to ask 47:28 – High income vs. actual wealth 47:43 – The 1% University wealth framework 48:46 – How he retired at 28 49:56 – How AI runs inside his company 58:29 – Step-by-step: how to make $500K a year 58:49 – Step 1: find the right cloud roles 59:17 – Step 2: use AI to build your curriculum 1:00:18 – Brand yourself for recruiters 1:01:05 – Optimize your resume and LinkedIn 1:02:43 – Final blueprint and call to action 1:03:26 – Closing the Vault Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

46 min

ITV #266: She Went From $110K a Year to $60K-$80K a Month as a Nurse Practitioner | Inside The Vault

Dr. Ebonie Tillery joins Ash Cash inside the vault to break down how nurse practitioners can stop thinking of their license as just a qualification for a job — and start treating it like a business asset. After years of working long shifts, traveling, missing time with her son, and dealing with burnout, Ebonie started exploring 1099 contracting and remote healthcare opportunities. That decision changed everything. She says she went from earning about $110,000 a year in a traditional role to building multiple state licenses, stacking contracts, and earning $60,000–$80,000 in some months. Her turning point was realizing that more licenses could create access to more patients, more contracts, and more income. In this episode, Ebonie breaks down: • W-2 vs. 1099 nurse practitioner work • How she went from 4 licenses to 25 — and later 30 • Finding remote healthcare contracts • Why multiple state licenses can expand opportunity • Building a cash-based virtual practice • How nurse practitioners can work from home • Hiring other NPs as contractors • How non-medical business owners may participate in the business side of virtual healthcare • A student who went from 5 to 50 licenses and landed a government contract • Why nurses may be leaving money and time on the table • Transitioning from employee to business owner • Why mentorship still matters at every level • Starting a virtual practice for under $5K, according to Ebonie One of her biggest messages is simple: your degree does not have to trap you inside one job, one schedule, or one income ceiling. Ebonie is helping nurse practitioners rethink what ownership, flexibility, and financial freedom can look like. Healthcare rules, licensing requirements, business structures, and scope-of-practice laws vary by state. This episode reflects Ebonie’s experience and educational perspective and is not legal, tax, medical, or financial advice. Connect with Dr. Ebonie Tillery: Dr. E The Virtual NP on Instagram, TikTok & LinkedIn Inside the Vault: @insidethevault InsideTheVaultShow.com Host: @iamashcash IAmAshCash.com ABUNDANCE IS YOUR BIRTHRIGHT. Join Ash Cash and a community focused on building wealth, increasing income, strengthening your mindset, and creating a more abundant life: TheAbundanceCommunity.com TIMESTAMPS 00:00 – Your income doesn’t have to be capped 01:14 – Ash Cash book CTA 02:15 – Welcome to Inside the Vault 03:33 – Meet Dr. Ebonie Tillery 04:36 – 20 years in nursing 05:12 – From Brooklyn to healthcare 05:48 – Leaving home at 18 06:21 – COVID, divorce & burnout 06:56 – Working 12–14 hour shifts 07:33 – Discovering 1099 work 07:54 – W-2 vs. 1099 explained 09:24 – How to find 1099 contracts 10:16 – Why Ebonie prefers 1099 11:13 – Nurse practitioners can work from home 11:39 – Going from 4 licenses to 25 11:50 – Making $60K–$80K a month 12:49 – “My license is my business” 13:03 – Stacking multiple contracts 14:13 – More money and more time with her son 15:02 – Why she decided to teach other nurses 15:48 – The work behind getting licensed 16:05 – Seeing patients in 30 states 16:25 – Inside Virtual NP 16:42 – From contractor to practice owner 17:59 – How to start a virtual practice 18:25 – Building a cash-based practice 19:06 – Seeing patients from home 19:43 – Scaling past yourself 20:25 – Can a non-nurse own the business? 22:34 – Hiring NPs as 1099 contractors 23:23 – How AI may affect virtual healthcare 24:48 – Her “gold star” student 25:19 – Going from 5 licenses to 50 25:23 – Landing a government contract 25:34 – Student reaches about $800K for the year 25:54 – Why NPs are leaving money on the table 26:50 – The real roadblocks 28:03 – Nurses don’t know their worth 29:11 – The mindset required to make the transition 29:54 – Ebonie’s 3-day challenge 31:04 – “Start scared” 31:48 – Growing up in Brownsville 32:23 – Domestic violence, divorce & perseverance 33:22 – Push through the madness 35:06 – Can you work W-2 and 1099 at the same time? 36:17 – Why mentorship still matters 36:58 – Hundreds following her blueprint 38:20 – Building a community, not just a course 38:59 – Ebonie wants to build a university 39:21 – Creating uncapped income 40:03 – “What are you waiting for?” 41:21 – Do you need a doctor to start a virtual practice? 42:46 – More licenses, more opportunity 43:08 – Her 50-state licensing system 44:01 – What nurses learn in the 3-day challenge 44:34 – Startup cost for a virtual practice 45:28 – Connect with Dr. Ebonie 45:42 – Closing the Vault Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

57 min

ITV #265: Heather Lindsey Turned $800 Into $80K in 7 Months With Options Trading | Inside The Vault

Heather Lindsey joins Ash Cash for a powerful conversation about faith, money, options trading, mindset, and learning how to make your money work for you. Heather shares her journey from traveling the world as a speaker and author to building The Busy Trader and teaching people how to approach the stock market in a way that fits their lifestyle. She also breaks down one of her most eye-opening trading examples: Heather says she started with $800, continued trading that amount while moving profits into a high-yield savings account, and grew the account to roughly $80,000 over seven months. In this episode, Heather explains how options trading works, her Five Minute Trader system, LEAPS, taking profits off the table, converting trading profits into long-term investments, and why having more money does not automatically make someone a better trader. She also reveals how she traded to fund a roughly $65,000 family trip instead of using earned income and why she believes beginners should learn, practice with paper trading, and build the skill before increasing their risk. But this conversation goes far beyond the stock market. Heather and Ash discuss faith and finances, scarcity mindsets, childhood trauma, burnout, obedience, generosity, identity, and why building wealth should create freedom and impact—not become another form of bondage. Educational content only. Trading and investing involve risk, including possible loss of principal. Results discussed are Heather’s reported experiences and are not guaranteed. Learn with Heather: FiveMinuteTraderClass.com FiveMinuteTraderChallenge.com Heather Lindsey: Instagram: @heatherllove The Busy Trader: @thebusytrader Inside the Vault: @insidethevault InsideTheVaultShow.com Host: @iamashcash IAmAshCash.com ABUNDANCE IS YOUR BIRTHRIGHT. Join the Abundance Community: TheAbundanceCommunity.com TIMESTAMPS 00:00 – Give, give, give vs. invest, invest, invest 00:50 – Ash Cash book CTA 01:52 – Welcome to Inside the Vault 03:10 – Abundance is your birthright 03:54 – Making millions didn’t bring fulfillment 05:13 – Meet Heather Lindsey 06:57 – Getting introduced to stocks & options 07:40 – Burnout changed everything 08:10 – The Busy Trader is born 10:23 – Faith, prosperity & money 11:12 – Wealth transfer through the stock market 11:48 – Rewiring a broke mindset 13:50 – “You pray for millions, but you have no application” 16:12 – How to change your money mindset 18:46 – Heather’s thought-journal practice 21:16 – Identity, abundance & becoming 22:05 – Heather’s daily non-negotiables 22:21 – Adoption, rejection & purpose 25:04 – Success driven by trauma 26:28 – “I feel like a loser” 27:12 – Building from a more restful place 28:22 – What is options trading? 30:17 – The Five Minute Trader system 31:20 – Trading strategies for busy people 31:35 – LEAPS explained 33:00 – Turning options profits into long-term investments 33:54 – $500 options that went to $10K each 35:12 – Turning $800 into $80K in 7 months 36:17 – The $65K family trip 37:01 – “We don’t pay with earned income anymore” 41:16 – Why traders need to pay themselves 41:29 – Student goes from $500 to $100K 42:11 – Why community matters 43:37 – Heather’s “Dreamer Fund” 45:27 – Can dividends fund your life? 46:41 – How much money should you start with? 47:50 – Starting with $500 48:09 – Why beginners should paper trade 48:48 – Why this is NOT a get-rich-quick scheme 49:22 – Teaching kids how to trade 50:39 – Is money the root of all evil? 51:40 – Delayed obedience is still disobedience 52:18 – Why Heather got off Zillow 53:12 – “Lock in for a season to eat for a lifetime” 54:04 – A Tesla trade that went 4,000% 54:41 – Will AI change day trading? 55:41 – Connect with Heather Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

1 hr 6 min

He Makes Six Figures a Month Brokering Cars Without Owning a Dealership | Inside The Vault

He built relationships before he built wealth—and those relationships became the foundation for everything that came after. Salim Khan, aka Cash, joins Ash Cash inside the vault for a raw conversation about making money, losing it, rebuilding, and learning the difference between looking successful and actually building wealth. Cash explains how he went from felony probation and working valet at Lenox Mall to real estate, restaurants, commercial property, and a car-brokering business he says can generate six figures in a month. While other valet workers focused on tips, Salim focused on contacts and business cards. Those relationships later became access to dealerships, clients, capital, and opportunities. He breaks down how a $250 referral introduced him to car brokering, how he negotiated his first $3,000 commission, and why relationships became one of his most valuable assets. Salim also opens up about making roughly his first million in real estate before the 2008 crash—and losing everything. In this episode: • Six-figure months brokering cars • His first $3,000 car commission • Why relationships can become currency • The truth about restaurant profits • Why brick-and-mortar businesses are so difficult • His commercial real estate strategy • Choosing a building over a $110K chain • Calculated risk vs. gambling • Faith, Ramadan & rebuilding • Moving from hustle to systems, ownership and legacy This conversation is about more than making money. It’s about keeping it, multiplying it, and building something that lasts. Connect with Salim: Instagram: @fivestarsinvestments Inside the Vault: @insidethevault Host: @iamashcash IAmAshCash.com ABUNDANCE IS YOUR BIRTHRIGHT. Join Ash Cash and a community focused on building wealth, increasing income, strengthening your mindset, and creating a more abundant life: TheAbundanceCommunity.com TIMESTAMPS 00:00 – Relationships over tips 00:59 – Ash Cash book CTA 01:59 – Welcome to Inside the Vault 03:21 – Ramadan & returning to podcasting 05:29 – Meet Salim Khan aka Cash 06:22 – 13 years brokering cars 07:23 – The truth about restaurant profits 08:02 – $4M revenue could mean $200K-$300K to the owner 11:08 – Why Cash opened a restaurant 14:08 – Spicy Tuesdays & high-level networking 15:25 – Moving to Atlanta on felony probation 15:56 – His first and last job: Lenox Mall valet 16:33 – Contacts mattered more than tips 17:05 – Making his first $1M in real estate 17:17 – The 2008 crash & losing everything 18:56 – Discovering car brokering 19:13 – His first $250 referral check 19:28 – Asking for a $3,000 commission 20:25 – His first $3,000 car deal 22:41 – Double down on what already works 22:49 – Six figures a month from cars 23:02 – The dealership relationships behind the business 23:42 – $1,500 referral opportunities 26:49 – Brick-and-mortar vs. online business 29:01 – Paying restaurant expenses out of pocket 30:11 – Buying commercial property in Cleveland 30:44 – Why he’s focused on commercial real estate 31:06 – Build the business, sell it, remain the landlord 32:30 – What making his first million felt like 33:32 – The crash after fast money 36:24 – How Islam keeps him grounded 38:22 – Nearly losing everything again 39:22 – His three financial “rounds” 40:08 – The $110K chain he almost bought 40:21 – Choosing a building instead 47:00 – Why information alone no longer sells 48:22 – Building free, paid & premium communities 52:18 – How Cash evaluates risk 52:46 – His 30%-50% risk rule 53:24 – Putting $200K into two properties 55:00 – The legacy Cash wants to leave 56:28 – Helping a 20-year-old build a car business 58:22 – “Don’t work for the money” 59:17 – God, family & community 1:01:06 – Ash introduces “Beyond the Vault” 1:03:21 – How to connect with Cash 1:05:15 – Closing the Vault Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy