meta_pixel
Tapesearch Logo
Log in
BiggerPockets Money Podcast

Paul Merriman’s 4-Step Portfolio Strategy for Long-Term Wealth

BiggerPockets Money Podcast

BiggerPockets

Investing, Education, Business

4.53K Ratings

🗓️ 17 February 2026

⏱️ 87 minutes

🧾️ Download transcript

Summary

In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench are joined by Paul Merriman. Paul shares decades of investing wisdom and explains why simple index investing often outperforms complex strategies. We explore the power of diversification beyond the S&P 500, the importance of bonds in a portfolio, and how glide paths reduce risk over time. Paul also breaks down the psychological traps that sabotage investors—and how to avoid them. If you want to: Build wealth with index funds Create a smarter asset allocation Reduce risk while maximizing long-term returns This episode is your blueprint. To go beyond the podcast: Kick start your financial independence journey with our FREE financial resources Subscribe on YouTube for even more content Connect with us on social media to join the other BiggerPockets Money listeners Connect with Paul Merriman: Website: https://www.paulmerriman.com/ Paul’s New Book ‘We’re Talking Millions!’: https://irp.cdn-website.com/6b78c197/files/uploaded/Were-Talking-Millions.pdf Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

Click on a timestamp to play from that location

0:00.0

Mindy and I are so grateful for the following sponsors who make Bigger Pockets Money possible.

0:06.1

When I evaluate debt funds, I look for things like first position loans, personal guarantees, deep experience by the fund operator, low fund leverage, fast liquidity, and consistent returns.

0:16.0

These are some of the reasons why I'm excited to partner with Pine Financial Group.

0:19.9

Their Fund 6 offers

0:21.2

investors exposure to real estate credit, largely for construction and rehab, largely here in Colorado,

0:26.4

with loans originated by an experienced originator with over $1 billion in origination volume.

0:32.8

75% of their borrowers have been repeat customers over 17 years. They offer investors an 8% preferred

0:39.6

return paid monthly and a 70-30 LP split of everything over 10% paid annually. The lockup period

0:47.2

is nine months with liquidity available within 90 days after that nine-month commitment. The fund is

0:53.0

open to accredited investors only.

0:55.1

The fund's minimum investment is typically $100,000,

0:57.9

but Pine Financial is able to reduce that minimum for some investors,

1:01.5

and have agreed to do so for Bigger Pockets Money listeners to a minimum of $25,000.

1:06.6

Full disclosure, I am personally invested in this fund through my self-directed IRA, and of course,

1:12.3

Pine Financial is sponsoring this message and our podcast. If you'd like to invest or check out their

1:17.7

prospectus, go to biggerpocketsmoney.com slash pine today. That's biggerpocketsmoney.com

1:23.7

slash P-I-N-E. Please note that returns are not guaranteed and may vary based on fun performance.

1:30.7

Did you know that you can buy your car completely online on AutoTrader?

1:34.2

Really?

1:34.8

Just visit Autotrater.com, filter and search through dealer listings for the car you want,

1:39.4

make, model, color, and all the features that matter to you.

1:42.5

Go ahead.

...

Please login to see the full transcript.

Disclaimer: The podcast and artwork embedded on this page are from BiggerPockets, and are the property of its owner and not affiliated with or endorsed by Tapesearch.

Generated transcripts are the property of BiggerPockets and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.

Copyright © Tapesearch 2026.