The Borrow Smart Conversation

Lynn Alden - Understand Debt Newsletter

This June 2025 newsletter by Lyn Alden, an investment strategist, examines three common misconceptions about the US federal debt. First, it debunks the idea that the US "owes the debt to ourselves," illustrating that debt is owed to specific entities, both domestic and foreign, and that default carries significant consequences, even if selective default on foreign entities or the Federal Reserve is analyzed as a remote, yet problematic, possibility. Second, Alden challenges the belief that the debt is perpetually manageable simply because it has been for decades, highlighting recent economic trend changes that make current deficits more impactful. Finally, the newsletter counters the notion of an imminent dollar collapse, explaining that while the debt has real consequences, the dollar's entrenched global demand provides significant resilience against immediate catastrophic devaluation, likening the situation to a slow-moving "dial" rather than an "on/off switch." The author concludes by noting how these insights have informed her investment strategies, including a continued bullish outlook on Bitcoin as a scarce asset.

Rational Optimists Society - March Briefing

Key Themes and Innovations: •Supersonic Flight Reimagined: •The Rise of Intelligent Robots: •A New Era for Defense Technology: •The Private Space Revolution: •The Power of AI Agents: •AI and the Future of Work:

CLA Powered by SORA Financial

In this conversation, we look at the power of a trained CLA (Certified Liability Advisor) working with SORA Financial to power AI centered leads, debt optimization and more.

20-60-20 Rule

Understanding consumer behavior and decision making - is about 20% the impact to cash now, 60% the impact to cash flow now and over time, and 20% the future wealth impact.

From Zero to Hero: Mastering the Art of Financial Advisor Referrals

This text is a transcript of a presentation by Todd Ballenger, a loan officer coach, outlining his "FAST System" for loan officers to improve their businesses. The system details five stages of growth, emphasizing the importance of building relationships with financial advisors as referral sources. Ballenger provides specific strategies for contacting, engaging, and partnering with financial advisors, including scripts for initial contact and methods for generating referrals. He also promotes his coaching program, "Borrow Smart University," which offers further support and resources for implementing the FAST System. The core message is to diversify referral networks beyond realtors to achieve greater success and leverage.