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Welcome to Target Market Insights. A podcast to help real estate investors navigate neighborhoods through the lens of local experts. In each episode, we speak to local specialists to learn about their market, useful tips, and the latest trends and developments. This show is designed to help you with the insights you need to win your target market.

Jan 30, 2018

Being a banker, Ash Exantus aka Ash Cash, saw many high-salary workers struggling to qualify for loans. After almost losing his house, he changed his relationship with money and sought to help others do the same. Ash has been interviewed by CNN, New York Times, Wall Street Journal, Black Enterprise, BET and many more. Today, he shares his story and explains why Jay-Z’s latest album inspired him to pen The Wake Up Call: Financial Inspiration Learned from 4:44, a step-by-step guide to help others create a dynasty and achieve financial freedom.


Key Market Insights

  • From Harlem, NYC, grew up in the Nicholas Housing Projects
  • Became a teller at 19 and loved banking, eventually rising to CEO of a credit union in Long Island
  • Noticed high salary workers struggling to get approvals for loans because of debt to income ratio
  • Mind Right Money Right was his first book
  • Economic discussions center on pay scale and the middle-class based on income, but not wealth
  • People who make more money, start spending
  • We were taught to work hard for money, but wealthy people make money work for them
  • First step to change your money relationship: Find out where the money is going, track it for the first 30 days
  • Almost lost his house, but renting his house saved his life and his marriage
  • Most divorces are rooted in financial strain
  • Loved the feeling of getting the rent check at the beginning of each month
  • Started writing and began getting passive income as an author
  • It’s okay to like nice things, but live below your means
  • Almost cried when he heard “The Story of OJ” by Jay-Z
  • Generational wealth is the key
  • Many factors contribute to wealth disparity amongst African-Americans
  • If your corporate job is taken away, how will you feed your family?
  • The goal has to be ownership


Bull’s Eye Tips:

Winning Your Market: Automate

Tracking Market Changes: Track your finances (Men lie, women lie, numbers don’t)

Daily Habit: Meditate everyday and night (This spiritual stuff really works)



The Wake Up Call: Financial Inspiration Learned from 4:44 by Ash Cash

Mind Right Money Right by Ash Cash

What the Fico by Ash Cash 

Best Business Books:

Blue Ocean Strategy by W Chan Kim 

Digital Resources

Acorns – App to round up purchases to your nearest dollar for automatic savings 

Tweet This:

  • Don’t work for money, make money work for you
  • “Until you own your own, you can’t be free”

Places to Grab a Bite in Harlem:

Seasoned Vegan – 113 and St Nicholas 

Connect with Ash:


Social Media: @Iamashcash – Twitter, Facebook, Instagram


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