Keith Smith spent 10 years in the NFL. Undrafted out of San Jose State, transitioned from linebacker to fullback, and built a career most guys only dream about. But what he built off the field might be even more impressive.

In this episode, Keith breaks down:

How he started studying real estate in year six of his NFL career while most guys were just trying to make it to year seven

Why triple net leases are one of the most overlooked wealth tools for high-income earners

How the Bones Capital fund is giving current and former pro athletes actual ownership -- name on the deed, tax benefits and all

And the mindset shift every athlete needs to make before they hang up the cleats

One line that hit different: "It's the same game, just a different manual."

This one is for the athletes, the entrepreneurs, and anyone trying to build something real.

Instagram: https://www.instagram.com/beef31/?hl=en
Website: https://bonescapital.com/

Derron shares his journey from playing safety at Fresno State to being drafted in the sixth round by the Cincinnati Bengals, stints in the AAF, with the Minnesota Vikings, and what happened after his playing career ended during COVID. He opens up about buying a triplex in Cleveland while still in the league, the numbers behind that deal from purchase to refinance to sale, starting and eventually selling a cryotherapy recovery business, and the moment his NFL signing bonus taught him a hard lesson about taxes.

Malique and Derron dig into why so many athletes wait too long to take their finances seriously, what the NIL era means for today's college athletes compared to their own experience playing for free, and why the transition out of sports hits harder than people expect once the calls from agents and teams stop coming. They also talk about why athletes are wired to become great entrepreneurs, the story behind choosing Fresno State over bigger offers like Nebraska, and what finally led Derron to co-found WIN Private Wealth alongside Malique.

This episode is for current and former athletes, NIL earners, entrepreneurs, and anyone trying to understand how to make their money outlast their career.

Topics covered:

• Life in the NFL locker room and the financial mindset of pro athletes
• The real numbers behind Derron's triplex investment in Cleveland
• What it's like seeing a six-figure signing bonus cut in half by taxes
• NIL money and what today's college athletes are doing differently
• Why the transition out of professional sports is harder than people think
• Why athletes make great entrepreneurs
• The story behind WIN Private Wealth and the Navigate pillar of the WIN Framework
• Real estate as a wealth-building tool for athletes and entrepreneurs

Connect with Derron Smith:
Instagram: @Derron

Email: Derron@winprivatewealth.com
WIN Private Wealth

In this episode, Rene breaks down what it actually looks like to build multiple businesses, stay present for your family, and keep swinging even when the market tries to close your doors. He talks about the three-year stretch where he wasn't sure the mortgage company would survive, why he actively seeks athletes to hire, how he's integrating AI into the client experience, and the one piece of advice he'd give any entrepreneur starting out: fail early, fail often.

This one is real, practical, and hits different if you've ever stood at the edge of the leap wondering if you're ready.

Topics covered:

• Why he chose mortgages over real estate and never looked back
• Building a team that tells you the truth, not what you want to hear
• The unprofitable no-man's-land between 5 and 20 employees (and why nobody warned him)
• Using AI to improve the borrower experience and catch bank mistakes
• Diversifying income across three industries to become market-proof
• What his college basketball career at Sacramento State taught him about business
• Why the best entrepreneurs have a relationship with failure, not a fear of it

Connect with Rene:

Instagram: Ceo_Jacques

Website: Golden Bay Mortgage Group

Montel walked away from a corporate gym structure in 2018 with a handful of clients and a vision. Today he runs a thriving fitness coaching business with his wife, serves high-performing executives and entrepreneurs, and is building something his kids can one day carry forward.

In this episode, they go deep on the real parallels between building your health and building your wealth. Discipline. Delayed gratification. Long-term thinking. And why your why matters more than any program or portfolio.

What you'll hear in this episode:

• Why Montel left the security of a corporate gym and never looked back.
• How he found his niche serving busy executives and entrepreneurs.
• The connection between physical discipline and financial discipline.
• What faith has to do with building a business and a family.
• The one thing he'd tell his 20-year-old self that would have put him five years ahead.

If you're building something and you're in it for the long game, this one is for you.

Connect with Montel at Hardin Athletix.
https://hardinathletix.com/
https://www.linkedin.com/in/montelhardin/

This show exists for entrepreneurs, business owners, and anyone with an entrepreneurial mindset who's ready to stop just growing top-line revenue and start turning what they earn into real personal wealth.

Host Malique Micenheimer breaks down what "own your revenue" actually means: not just scaling your business, but building a life that's richer in money, time, autonomy, and the work that actually fulfills you.

Each episode features candid conversations with entrepreneurs sharing their stories, lessons learned, and where they see the future going. If you've ever had a thought as a business owner and wondered if anyone else feels the same way, this community is for you.

New guests drop every month. Subscribe and come along for the journey.