Dr. Robert Ramirez is a distinguished professor and renowned authority in business leadership, investing, and technology management. With over 20 years of experience as an educator, author, and speaker, Dr. Ramirez has dedicated himself to empowering individuals with financial security and literacy since 2008. He is the author of the book "Achieving Financial Freedom," which provides insights into diverse investment opportunities and strategies to navigate today's dynamic financial landscape.Episode Summary:Myrna and Dr. Ramirez explore the misconceptions surrounding retirement, like the dependence on Social Security and Medicare, and highlight the necessity of passive income streams. Dr. Ramirez, a seasoned expert in finance and technology, emphasizes the importance of self-directed investing and staying informed in the rapidly evolving digital age, including the impact of Artificial Intelligence on financial strategies.The discussion is particularly timely, as both Dr. Ramirez and Myrna reflect on current financial scenarios drawn from personal anecdotes and recent conferences. They stress the importance of learning and adaptability, providing listeners with pragmatic advice on building wealth and achieving financial independence. Dr. Ramirez shares insightful examples from his own life, emphasizing the challenges and opportunities in creating sustained income through investments in stocks and real estate. For those seeking to secure their financial future, Dr. Ramirez presents not only the motivations but also the means to develop a robust retirement plan.Key Takeaways:The Importance of Passive Income Investing in Education and Skill DevelopmentStrategic Use of AI in Investments Stock Market Strategies Learning from AdversitySupport our Sponsors who support the Transform Your Mind PodcastNordVPNNORDVPN is Premium cyber-security that allows you to lose your trackers. Get 4 extra months on a 2 year plan → go to  https://nordvpn.com/transform ShopifyShopify makes it simple to create your brand, open for business, and get your first sale. Go to To advertise on our podcast, visit https://advertising.libsyn.com/TransformyourMindor email kriti@youngandprofiting.com See this video on The Transform Your Mind YouTube Channel https://www.youtube.com/@MyhelpsUs/videosTo see a transcripts of this audio as well as links to all the advertisers on the show page https://myhelps.us/Follow Transform Your Mind on Instagram https://www.instagram.com/myrnamyoung/Follow Transform Your mind on Facebookhttps://www.facebook.com/profile.php?id=100063738390977Please leave a rating and review on iTunes https://podcasts.apple.com/us/podcast/transform-your-mind/id1144973094