Imperfect Action Creates Extraordinary Wealth Through Focus and Grit with Sarah Msuya

[0:03] Welcome back to the REI Agent. We are Welcome back to the REI Agent. We are Welcome back to the REI Agent. We are here with Sarah Msuya. Sarah, thanks so here with Sarah Msuya. Sarah, thanks so here with Sarah Msuya. Sarah, thanks so much for joining us today. much for joining us today. much for joining us today. >> Thank you for having me. >> Thank you for having me. >> Thank you for having me. >> You You said before we got on air that >> You You said before we got on air that >> You You said before we got on air that you’re like one of three people in Maine you’re like one of three people in Maine you’re like one of three people in Maine that have been on the Bigger Pockets that have been on the Bigger Pockets that have been on the Bigger Pockets podcast. So, congratulations. Do you podcast. So, congratulations. Do you podcast. So, congratulations. Do you have that as like a badge somewhere?

[0:19] have that as like a badge somewhere? have that as like a badge somewhere? >> Um, no, but maybe I should. >> Um, no, but maybe I should. >> Um, no, but maybe I should. >> Um, small. real quick. What uh tell us >> Um, small. real quick. What uh tell us >> Um, small. real quick. What uh tell us give us like a bird’s eye view of who give us like a bird’s eye view of who give us like a bird’s eye view of who you are and what you do in real estate. you are and what you do in real estate. you are and what you do in real estate. >> Yeah, for sure. Um so I’m a real estate >> Yeah, for sure. Um so I’m a real estate >> Yeah, for sure. Um so I’m a real estate agent. Um I’m currently top 5% in the agent. Um I’m currently top 5% in the agent. Um I’m currently top 5% in the state, so I do a decent um amount of state, so I do a decent um amount of state, so I do a decent um amount of volume here. Um I’m also an investor. Um volume here. Um I’m also an investor. Um volume here. Um I’m also an investor. Um and that was actually what I started off and that was actually what I started off

[0:44] and that was actually what I started off with was being an investor and then it with was being an investor and then it with was being an investor and then it turned into an agent afterwards. Um, so turned into an agent afterwards. Um, so turned into an agent afterwards. Um, so currently my portfolio is um seven currently my portfolio is um seven currently my portfolio is um seven buildings um 40 units uh all here in buildings um 40 units uh all here in buildings um 40 units uh all here in Maine. Um I’ve done a lot of different Maine. Um I’ve done a lot of different Maine. Um I’ve done a lot of different uh strategies. I have a lot of different uh strategies. I have a lot of different uh strategies. I have a lot of different types of buildings. So it’s it’s quite a types of buildings. So it’s it’s quite a types of buildings. So it’s it’s quite a myriad of of things as far as that goes, myriad of of things as far as that goes, myriad of of things as far as that goes, but I kind of just use my real estate but I kind of just use my real estate but I kind of just use my real estate agent business as the active income to

[1:11] agent business as the active income to agent business as the active income to source my investments. And I kind of see source my investments. And I kind of see source my investments. And I kind of see it all together as one uh machine, I it all together as one uh machine, I it all together as one uh machine, I guess. Um, so yeah, that’s what I kept guess. Um, so yeah, that’s what I kept guess. Um, so yeah, that’s what I kept going on. And then I have a going on. And then I have a going on. And then I have a four-year-old son, so that’s kind of my four-year-old son, so that’s kind of my four-year-old son, so that’s kind of my life. life. life. >> That’s that’s definitely something. We >> That’s that’s definitely something. We >> That’s that’s definitely something. We we actually had a a wonderful morning of we actually had a a wonderful morning of we actually had a a wonderful morning of lots of screaming and we have three kids lots of screaming and we have three kids lots of screaming and we have three kids and uh our three-year-old son uh was so and uh our three-year-old son uh was so

[1:35] and uh our three-year-old son uh was so disregulated that ultimately I was like disregulated that ultimately I was like disregulated that ultimately I was like like we couldn’t get anything done to like we couldn’t get anything done to like we couldn’t get anything done to get him out the door, which is what we get him out the door, which is what we get him out the door, which is what we knew he would be fine once we got going. knew he would be fine once we got going. knew he would be fine once we got going. But he um we had to like take him and But he um we had to like take him and But he um we had to like take him and and strap him into the car seat and like and strap him into the car seat and like and strap him into the car seat and like drive him to go see some like drive him to go see some like drive him to go see some like construction nearby so Erica could like construction nearby so Erica could like construction nearby so Erica could like finish prepping the meal or the lunch finish prepping the meal or the lunch finish prepping the meal or the lunch for him to so we could actually get him

[1:53] for him to so we could actually get him for him to so we could actually get him to his daycare. But um it’s it’s it’s a to his daycare. But um it’s it’s it’s a to his daycare. But um it’s it’s it’s a lot, right? lot, right? lot, right? >> Yeah, it certainly is. Right now he’s >> Yeah, it certainly is. Right now he’s >> Yeah, it certainly is. Right now he’s downstairs with um his nanny. Um so I downstairs with um his nanny. Um so I downstairs with um his nanny. Um so I just hide upstairs in my office and just hide upstairs in my office and just hide upstairs in my office and they’re down there because if he sees me they’re down there because if he sees me they’re down there because if he sees me then he’ll lose it. So, I’m kind of like then he’ll lose it. So, I’m kind of like then he’ll lose it. So, I’m kind of like confined to what you see right here confined to what you see right here confined to what you see right here during the day and I’ll just text her during the day and I’ll just text her during the day and I’ll just text her and be like, “Hey, can you guys go in

[2:12] and be like, “Hey, can you guys go in and be like, “Hey, can you guys go in the other room real quick so I can sneak the other room real quick so I can sneak the other room real quick so I can sneak out if um if necessary?” So, out if um if necessary?” So, out if um if necessary?” So, >> Oh, man. I understand. And what was Can >> Oh, man. I understand. And what was Can >> Oh, man. I understand. And what was Can we just talk about the nanny thing for a we just talk about the nanny thing for a we just talk about the nanny thing for a second? Because we we also actually were second? Because we we also actually were second? Because we we also actually were looking for a replacement for ours. Ours looking for a replacement for ours. Ours looking for a replacement for ours. Ours is graduating, getting married.

[2:27] is graduating, getting married. is graduating, getting married. >> Um, same person we’ve had for the last >> Um, same person we’ve had for the last >> Um, same person we’ve had for the last couple of years. But what’s the process couple of years. But what’s the process couple of years. But what’s the process been like for you to to find somebody been like for you to to find somebody been like for you to to find somebody and how often you’d use them just to and how often you’d use them just to and how often you’d use them just to help you feel like you have the time to help you feel like you have the time to help you feel like you have the time to devote to what you want to do with work devote to what you want to do with work devote to what you want to do with work and everything else too?

[2:40] and everything else too? and everything else too? >> Yeah, absolutely. Um so my journey with >> Yeah, absolutely. Um so my journey with >> Yeah, absolutely. Um so my journey with that was he was in daycare and it just that was he was in daycare and it just that was he was in daycare and it just wasn’t a great fit for a number of wasn’t a great fit for a number of wasn’t a great fit for a number of reasons. Um and with the flexibility reasons. Um and with the flexibility reasons. Um and with the flexibility with what I need for all the jobs that I with what I need for all the jobs that I with what I need for all the jobs that I do um I needed somebody who wasn’t just do um I needed somebody who wasn’t just do um I needed somebody who wasn’t just so strictly like 9 to5 or or whatnot.

[2:58] so strictly like 9 to5 or or whatnot. so strictly like 9 to5 or or whatnot. Um, so, um, he’s got he’s got some Um, so, um, he’s got he’s got some Um, so, um, he’s got he’s got some learning stuff as well. So, she’s also a learning stuff as well. So, she’s also a learning stuff as well. So, she’s also a behavioral health professional. Um, so behavioral health professional. Um, so behavioral health professional. Um, so that was kind of the catalyst to go that that was kind of the catalyst to go that that was kind of the catalyst to go that route versus daycare, so we could have route versus daycare, so we could have route versus daycare, so we could have kind of like one-on-one and um, the kind of like one-on-one and um, the kind of like one-on-one and um, the flexibility and just kind of stability flexibility and just kind of stability flexibility and just kind of stability for him of having the same same person.

[3:17] for him of having the same same person. for him of having the same same person. >> Um, but she works with me 25 30 hours a >> Um, but she works with me 25 30 hours a >> Um, but she works with me 25 30 hours a week, something like that. And then he week, something like that. And then he week, something like that. And then he does go to a um, it’s like a preschool does go to a um, it’s like a preschool does go to a um, it’s like a preschool program for three hours in the morning. program for three hours in the morning. program for three hours in the morning. So, she picks him up from that at 11:30 So, she picks him up from that at 11:30 So, she picks him up from that at 11:30 and then she has him from 11:30 until and then she has him from 11:30 until and then she has him from 11:30 until when I’m done um 4 days a week. Um and when I’m done um 4 days a week. Um and when I’m done um 4 days a week. Um and then he’s he’s with his dad on Mondays.

[3:37] then he’s he’s with his dad on Mondays. then he’s he’s with his dad on Mondays. Um so, just a hodgepodge of different Um so, just a hodgepodge of different Um so, just a hodgepodge of different things. things. things. >> Amazing, man. Thank goodness for the >> Amazing, man. Thank goodness for the >> Amazing, man. Thank goodness for the nannies out there, right? nannies out there, right? nannies out there, right? >> They save us. >> They save us. >> They save us. >> Yes. Absolutely. >> Yes. Absolutely. >> Yes. Absolutely. >> I love it. He’s right. He’s right here. >> I love it. He’s right. He’s right here. >> I love it. He’s right. He’s right here. And, you know, it’s just it’s a more And, you know, it’s just it’s a more And, you know, it’s just it’s a more flexible option when it comes to this flexible option when it comes to this flexible option when it comes to this type of um career. Yeah, totally. Yeah, type of um career. Yeah, totally. Yeah, type of um career. Yeah, totally. Yeah, absolutely. And nice too that I imagine,

[3:59] absolutely. And nice too that I imagine, absolutely. And nice too that I imagine, you know, when you’re especially with you know, when you’re especially with you know, when you’re especially with real estate and investment stuff, it’s real estate and investment stuff, it’s real estate and investment stuff, it’s not a strict 9 to5 and so you can kind not a strict 9 to5 and so you can kind not a strict 9 to5 and so you can kind of pop down and see them and then also of pop down and see them and then also of pop down and see them and then also kind of head out the door too. It’s kind of head out the door too. It’s kind of head out the door too. It’s probably nice to do that. probably nice to do that.

[4:09] probably nice to do that. >> Definitely. Yeah, works out. >> Definitely. Yeah, works out. >> Definitely. Yeah, works out. >> Sarah, you said you started with uh >> Sarah, you said you started with uh >> Sarah, you said you started with uh investing. Uh what was your like what investing. Uh what was your like what investing. Uh what was your like what got you into that? Did you did you come got you into that? Did you did you come got you into that? Did you did you come across Rich Dad Poor Dad like a million across Rich Dad Poor Dad like a million across Rich Dad Poor Dad like a million people and and decide that that was what people and and decide that that was what people and and decide that that was what you wanted to do? and and then kind of you wanted to do? and and then kind of you wanted to do? and and then kind of what was your process to get started?

[4:25] what was your process to get started? what was your process to get started? >> Yeah, so it was in 2020 like during co >> Yeah, so it was in 2020 like during co >> Yeah, so it was in 2020 like during co times um I worked as a bank manager at times um I worked as a bank manager at times um I worked as a bank manager at that time and they had a structure of that time and they had a structure of that time and they had a structure of like um you work half the week with one like um you work half the week with one like um you work half the week with one set of people and the other half you set of people and the other half you set of people and the other half you don’t crosscontaminate and so I had more don’t crosscontaminate and so I had more don’t crosscontaminate and so I had more time on my hands where I was working time on my hands where I was working time on my hands where I was working from home like half the week at that from home like half the week at that from home like half the week at that time. I listened to a lot of like time. I listened to a lot of like time. I listened to a lot of like self-improvement podcast of like number

[4:48] self-improvement podcast of like number self-improvement podcast of like number one was how to be awesome at your job one was how to be awesome at your job one was how to be awesome at your job and just like things in that vein. So and just like things in that vein. So and just like things in that vein. So somehow I got suggested the Bigger somehow I got suggested the Bigger somehow I got suggested the Bigger Pockets Rookie podcast um through the Pockets Rookie podcast um through the Pockets Rookie podcast um through the things I was listening to. So I started things I was listening to. So I started things I was listening to. So I started listening to that and then just kind of listening to that and then just kind of listening to that and then just kind of got hooked once I started hearing um got hooked once I started hearing um got hooked once I started hearing um stories of just regular people getting stories of just regular people getting stories of just regular people getting started. Um and I was like, you know, if started. Um and I was like, you know, if started. Um and I was like, you know, if they can do it, I think I can do it. And

[5:07] they can do it, I think I can do it. And they can do it, I think I can do it. And I kept listening more and more. Um so I kept listening more and more. Um so I kept listening more and more. Um so that was maybe July of 2020. Um, I’m a that was maybe July of 2020. Um, I’m a that was maybe July of 2020. Um, I’m a quick start, so I just kind of I need a quick start, so I just kind of I need a quick start, so I just kind of I need a little bit of information and if it little bit of information and if it little bit of information and if it sounds um sounds like a good idea, I sounds um sounds like a good idea, I sounds um sounds like a good idea, I kind of just go for it until something kind of just go for it until something kind of just go for it until something stops me. So, I just I just started stops me. So, I just I just started stops me. So, I just I just started towards that. So, I started looking for towards that. So, I started looking for towards that. So, I started looking for people in the space that I knew that I people in the space that I knew that I people in the space that I knew that I could hang out with, like going to lunch

[5:29] could hang out with, like going to lunch could hang out with, like going to lunch with people. with people. with people. >> Um, and then I was I was focused on >> Um, and then I was I was focused on >> Um, and then I was I was focused on doing a um like a burr, you know, go to doing a um like a burr, you know, go to doing a um like a burr, you know, go to auction, buy a distressed property, um, auction, buy a distressed property, um, auction, buy a distressed property, um, use hard money to fix it up. um and then use hard money to fix it up. um and then use hard money to fix it up. um and then use the bur strategy to exit. Um I got use the bur strategy to exit. Um I got use the bur strategy to exit. Um I got one under contract in October, so this one under contract in October, so this one under contract in October, so this is from July and then by October I had is from July and then by October I had is from July and then by October I had one under contract.

[5:52] one under contract. one under contract. >> Um but my hard money guy once he got >> Um but my hard money guy once he got >> Um but my hard money guy once he got there, he was like, “You don’t have the there, he was like, “You don’t have the there, he was like, “You don’t have the experience for this level of experience for this level of experience for this level of renovation.” He didn’t want to lend on renovation.” He didn’t want to lend on renovation.” He didn’t want to lend on it. it. it. >> Um so I happened to see somebody next >> Um so I happened to see somebody next >> Um so I happened to see somebody next door that I recognized from my bank job. door that I recognized from my bank job.

[6:05] door that I recognized from my bank job. Um and got talking with him. So, long Um and got talking with him. So, long Um and got talking with him. So, long story short, I ended up wholesaling that story short, I ended up wholesaling that story short, I ended up wholesaling that deal to the neighbor who was someone I deal to the neighbor who was someone I deal to the neighbor who was someone I knew from the bank. So, that was kind of knew from the bank. So, that was kind of knew from the bank. So, that was kind of my first my first my first >> deal. Um, and then the next month I >> deal. Um, and then the next month I >> deal. Um, and then the next month I found out I was pregnant with my son.

[6:18] found out I was pregnant with my son. found out I was pregnant with my son. Um, so that kind of shifted me from, you Um, so that kind of shifted me from, you Um, so that kind of shifted me from, you know, like a DIY handywoman, you know, know, like a DIY handywoman, you know, know, like a DIY handywoman, you know, real risky thing to um more of what can real risky thing to um more of what can real risky thing to um more of what can I do with my new situation. Um, so I I do with my new situation. Um, so I I do with my new situation. Um, so I kind of pivoted. I got a a heliloc on my kind of pivoted. I got a a heliloc on my kind of pivoted. I got a a heliloc on my um primary residence at the time and I um primary residence at the time and I um primary residence at the time and I just looked for something boring that I just looked for something boring that I just looked for something boring that I could handle. So I did a 20% down um could handle. So I did a 20% down um could handle. So I did a 20% down um investment loan using my home equity um investment loan using my home equity um investment loan using my home equity um for a single family um in a less

[6:48] for a single family um in a less for a single family um in a less expensive market about 40 minutes north expensive market about 40 minutes north expensive market about 40 minutes north of me. Um so it was $113,000 of me. Um so it was $113,000 of me. Um so it was $113,000 um needed like three or four grand in um needed like three or four grand in um needed like three or four grand in you know updates. Um I think my mortgage you know updates. Um I think my mortgage you know updates. Um I think my mortgage was about 800 and I got a renter in was about 800 and I got a renter in was about 800 and I got a renter in there for 1,500. It was a single family. there for 1,500. It was a single family. there for 1,500. It was a single family. >> Yeah, it was it was a single family. So >> Yeah, it was it was a single family. So >> Yeah, it was it was a single family. So um they take care of all of you know the um they take care of all of you know the um they take care of all of you know the yard maintenance, the utilities, yard maintenance, the utilities, yard maintenance, the utilities, everything. So it was just like a very

[7:12] everything. So it was just like a very everything. So it was just like a very simple math equation. One tenant, you simple math equation. One tenant, you simple math equation. One tenant, you know, numbers worked great because it know, numbers worked great because it know, numbers worked great because it was 2020. It was January 2021 when I was 2020. It was January 2021 when I was 2020. It was January 2021 when I closed on that. closed on that. closed on that. >> Um so that was the first like investment >> Um so that was the first like investment >> Um so that was the first like investment property purchase. property purchase. property purchase. >> What when you So you were paying the uh >> What when you So you were paying the uh >> What when you So you were paying the uh 20% down as well, right? like from the 20% down as well, right? like from the 20% down as well, right? like from the equity lines like what was your takehome equity lines like what was your takehome equity lines like what was your takehome after that or how did you factor that in after that or how did you factor that in

[7:32] after that or how did you factor that in >> like the monthly home equity line of >> like the monthly home equity line of >> like the monthly home equity line of credit payment? credit payment? credit payment? >> Yeah. Was it principal and interest or >> Yeah. Was it principal and interest or >> Yeah. Was it principal and interest or were you trying to pay it off by a were you trying to pay it off by a were you trying to pay it off by a certain amount of time or what did that certain amount of time or what did that certain amount of time or what did that look like? look like? look like? >> Yeah, so it’s interest only. Um I’ve >> Yeah, so it’s interest only. Um I’ve >> Yeah, so it’s interest only. Um I’ve used my HELOC a few times to purchase a used my HELOC a few times to purchase a used my HELOC a few times to purchase a few different properties. So I just few different properties. So I just few different properties. So I just aggressively will target that with all aggressively will target that with all aggressively will target that with all of the um rental like the cash flow

[7:50] of the um rental like the cash flow of the um rental like the cash flow that’s coming in until it’s paid back that’s coming in until it’s paid back that’s coming in until it’s paid back down. So it’s back down to zero. So, I down. So it’s back down to zero. So, I down. So it’s back down to zero. So, I can’t really recall how long that took can’t really recall how long that took can’t really recall how long that took me or anything like that, but it wasn’t me or anything like that, but it wasn’t me or anything like that, but it wasn’t super long because it was, you know, super long because it was, you know, super long because it was, you know, maybe 20 grand or something like that maybe 20 grand or something like that maybe 20 grand or something like that that was owed and I would have been that was owed and I would have been that was owed and I would have been making like 7800 bucks, you know, a making like 7800 bucks, you know, a making like 7800 bucks, you know, a month in cash flow on that at the time.

[8:07] month in cash flow on that at the time. month in cash flow on that at the time. Um, and I I don’t I don’t really spend Um, and I I don’t I don’t really spend Um, and I I don’t I don’t really spend the money that I make off of these the money that I make off of these the money that I make off of these properties. I just use them for that properties. I just use them for that properties. I just use them for that property. So, like that account, I still property. So, like that account, I still property. So, like that account, I still have never pulled from it for like have never pulled from it for like have never pulled from it for like personal use. I just have used it to personal use. I just have used it to personal use. I just have used it to I’ve replaced the roof now. I’ve I’ve replaced the roof now. I’ve I’ve replaced the roof now. I’ve replaced the furnace. um you know, paid replaced the furnace. um you know, paid replaced the furnace. um you know, paid off the the HELOC associated with it. Um off the the HELOC associated with it. Um off the the HELOC associated with it. Um just replace different things and then I

[8:28] just replace different things and then I just replace different things and then I just kind of let it sit there and grow just kind of let it sit there and grow just kind of let it sit there and grow so that there’s money for um renovations so that there’s money for um renovations so that there’s money for um renovations that are needed or if I’m going to exit that are needed or if I’m going to exit that are needed or if I’m going to exit it to have money to fix it up and make it to have money to fix it up and make it to have money to fix it up and make it look real nice so it sells on the it look real nice so it sells on the it look real nice so it sells on the market for top dollar when the time market for top dollar when the time market for top dollar when the time comes. So I still have that one now.

[8:42] comes. So I still have that one now. comes. So I still have that one now. Same tenants from day one. Same tenants from day one. Same tenants from day one. >> Wow. >> Wow. >> Wow. >> Um are still in there right now for now >> Um are still in there right now for now >> Um are still in there right now for now they pay 2150. Um, I’ve since refinanced they pay 2150. Um, I’ve since refinanced they pay 2150. Um, I’ve since refinanced that and pulled equity out to buy that and pulled equity out to buy that and pulled equity out to buy another um another property with that. another um another property with that. another um another property with that. So, my mortgage is at I think it’s 1300 So, my mortgage is at I think it’s 1300 So, my mortgage is at I think it’s 1300 now, something like that. And then, now, something like that. And then, now, something like that. And then, yeah, and so I get 2150. So, I’m kind of yeah, and so I get 2150. So, I’m kind of yeah, and so I get 2150. So, I’m kind of back to that same $7,800 a month cash back to that same $7,800 a month cash

[9:07] back to that same $7,800 a month cash flow, but there’s been different flow, but there’s been different flow, but there’s been different iterations over time. And I’ll I’ll iterations over time. And I’ll I’ll iterations over time. And I’ll I’ll probably exit that one next because I probably exit that one next because I probably exit that one next because I don’t really care too much for the don’t really care too much for the don’t really care too much for the single families anymore. I’d prefer to single families anymore. I’d prefer to single families anymore. I’d prefer to have, you know, kind of midsize multis, have, you know, kind of midsize multis, have, you know, kind of midsize multis, like 8 to 20 units somewhere in there.

[9:18] like 8 to 20 units somewhere in there. like 8 to 20 units somewhere in there. >> Yeah, that makes sense. I I think that >> Yeah, that makes sense. I I think that >> Yeah, that makes sense. I I think that that’s like you’ve touched on this a that’s like you’ve touched on this a that’s like you’ve touched on this a couple times. Uh well, you touched on it couple times. Uh well, you touched on it couple times. Uh well, you touched on it early on. You said, you know, like that early on. You said, you know, like that early on. You said, you know, like that you have like an active income and you you have like an active income and you you have like an active income and you have a a passive kind of income. And I have a a passive kind of income. And I have a a passive kind of income. And I think that’s something that often um I think that’s something that often um I think that’s something that often um I mean, okay, so passive income, this mean, okay, so passive income, this mean, okay, so passive income, this wasn’t the point I was trying to make.

[9:34] wasn’t the point I was trying to make. wasn’t the point I was trying to make. It’s more like, you know, if you look at It’s more like, you know, if you look at It’s more like, you know, if you look at your for us, if we look at our net your for us, if we look at our net your for us, if we look at our net worth, um that’s like all from our worth, um that’s like all from our worth, um that’s like all from our investments pretty much, right? So, it’s investments pretty much, right? So, it’s investments pretty much, right? So, it’s it’s all that and you know, we often it’s all that and you know, we often it’s all that and you know, we often don’t have a ton of cash lying around don’t have a ton of cash lying around don’t have a ton of cash lying around because we trying to we’re trying to because we trying to we’re trying to because we trying to we’re trying to deploy it, but then we have our earned deploy it, but then we have our earned deploy it, but then we have our earned income side as well, which you know, income side as well, which you know, income side as well, which you know, comes a lot from commission and your

[9:53] comes a lot from commission and your comes a lot from commission and your therapy work. And um I think there’s therapy work. And um I think there’s therapy work. And um I think there’s like people assume maybe that after like people assume maybe that after like people assume maybe that after you’ve been established for with rentals you’ve been established for with rentals you’ve been established for with rentals that maybe you can live off those that that maybe you can live off those that that maybe you can live off those that or whatever. And you know there’s or whatever. And you know there’s or whatever. And you know there’s there’s it can help but you know really there’s it can help but you know really there’s it can help but you know really it is that kind of longer term play it is that kind of longer term play it is that kind of longer term play often where you’re uh wanting to build often where you’re uh wanting to build often where you’re uh wanting to build you know wealth over time that you can you know wealth over time that you can you know wealth over time that you can you do you know reinvest into bigger

[10:16] you do you know reinvest into bigger you do you know reinvest into bigger projects or or whatever. Um but I I like projects or or whatever. Um but I I like projects or or whatever. Um but I I like that mindset of you know kind of having that mindset of you know kind of having that mindset of you know kind of having two different avenues that you’re you’re two different avenues that you’re you’re two different avenues that you’re you’re kind of trying to pursue both right kind of trying to pursue both right kind of trying to pursue both right you’re trying to have the active income you’re trying to have the active income you’re trying to have the active income to live off of to reinvest etc. And to live off of to reinvest etc. And to live off of to reinvest etc. And you’re trying to grow your net worth you’re trying to grow your net worth you’re trying to grow your net worth along the way as well for retirement or along the way as well for retirement or along the way as well for retirement or whatever. And the one thing I do use it whatever. And the one thing I do use it whatever. And the one thing I do use it for um in my daily life is I have so I

[10:37] for um in my daily life is I have so I for um in my daily life is I have so I live in a nice single family home now, live in a nice single family home now, live in a nice single family home now, but prior to this I lived in a duplex but prior to this I lived in a duplex but prior to this I lived in a duplex and um I use that duplex to pay most of and um I use that duplex to pay most of and um I use that duplex to pay most of the mortgage on this place now. So I the mortgage on this place now. So I the mortgage on this place now. So I bought like a nice house once my son was bought like a nice house once my son was bought like a nice house once my son was starting school to be in the right starting school to be in the right starting school to be in the right school district and um so I paid 775 for school district and um so I paid 775 for school district and um so I paid 775 for the house that I’m sitting in right now.

[10:56] the house that I’m sitting in right now. the house that I’m sitting in right now. Um, but the way I did that was I used Um, but the way I did that was I used Um, but the way I did that was I used the the income from the duplex, which is the the income from the duplex, which is the the income from the duplex, which is now rented out to um like group homes now rented out to um like group homes now rented out to um like group homes for intellectually disabled adults on for intellectually disabled adults on for intellectually disabled adults on both sides. It’s a triple net lease to both sides. It’s a triple net lease to both sides. It’s a triple net lease to the same company. Um, and so it makes it the same company. Um, and so it makes it the same company. Um, and so it makes it easy because um, you know, if a toilet easy because um, you know, if a toilet easy because um, you know, if a toilet gets clogged, I’m not getting that call.

[11:16] gets clogged, I’m not getting that call. gets clogged, I’m not getting that call. Like they handle everything. Um, but Like they handle everything. Um, but Like they handle everything. Um, but that cash flow is about 3,000 a month. that cash flow is about 3,000 a month. that cash flow is about 3,000 a month. Uh, my mortgage here is 44,500 Uh, my mortgage here is 44,500 Uh, my mortgage here is 44,500 something like that. So that leaves me, something like that. So that leaves me, something like that. So that leaves me, you know, with $14,500 a month of my you know, with $14,500 a month of my you know, with $14,500 a month of my responsibility for the mortgage. Um, so responsibility for the mortgage. Um, so responsibility for the mortgage. Um, so I don’t like paying any mortgage. So I I don’t like paying any mortgage. So I I don’t like paying any mortgage. So I am now building an ADU in my basement am now building an ADU in my basement am now building an ADU in my basement um, currently. So once that’s done, then um, currently. So once that’s done, then um, currently. So once that’s done, then I’ll be back to no mortgage, you know,

[11:41] I’ll be back to no mortgage, you know, I’ll be back to no mortgage, you know, and this this home’s appreciated as and this this home’s appreciated as and this this home’s appreciated as well. So this is worth almost 900,000 well. So this is worth almost 900,000 well. So this is worth almost 900,000 now. So I get to live in, you know, a now. So I get to live in, you know, a now. So I get to live in, you know, a home like that for free, basically. Um, home like that for free, basically. Um, home like that for free, basically. Um, but that’s the only exception to like but that’s the only exception to like but that’s the only exception to like when I when I say I don’t touch my when I when I say I don’t touch my when I when I say I don’t touch my rental income, that’s the only exception rental income, that’s the only exception rental income, that’s the only exception is I use that duplex to pay for this.

[11:57] is I use that duplex to pay for this. is I use that duplex to pay for this. >> Well, you know, and I also like say a >> Well, you know, and I also like say a >> Well, you know, and I also like say a goal can be to try to get to a point goal can be to try to get to a point goal can be to try to get to a point where all your living expenses are where all your living expenses are where all your living expenses are covered through rentals. Um, but but covered through rentals. Um, but but covered through rentals. Um, but but really it’s, you know, often the the to really it’s, you know, often the the to really it’s, you know, often the the to me and I guess it also depends if you’re me and I guess it also depends if you’re me and I guess it also depends if you’re like in an appreciation heavy market or like in an appreciation heavy market or like in an appreciation heavy market or a cash flow heavy market and and where a cash flow heavy market and and where a cash flow heavy market and and where your kind of focus is. Um, but for us your kind of focus is. Um, but for us your kind of focus is. Um, but for us historically has really just been uh,

[12:17] historically has really just been uh, historically has really just been uh, you know, yeah. wealth creation is the you know, yeah. wealth creation is the you know, yeah. wealth creation is the the primary and there’s some extra the primary and there’s some extra the primary and there’s some extra benefits along the way as well. Um, benefits along the way as well. Um, benefits along the way as well. Um, >> I was curious, Sarah, when you were >> I was curious, Sarah, when you were >> I was curious, Sarah, when you were getting into the real estate uh and and getting into the real estate uh and and getting into the real estate uh and and it was new for you, the investment it was new for you, the investment it was new for you, the investment piece, were there other people around piece, were there other people around piece, were there other people around you that had been doing this or or were you that had been doing this or or were you that had been doing this or or were you kind of the only one in your sphere you kind of the only one in your sphere you kind of the only one in your sphere that was starting this?

[12:35] that was starting this? that was starting this? >> I was the only one. Um, I don’t come >> I was the only one. Um, I don’t come >> I was the only one. Um, I don’t come from a background from a background from a background uh where anybody has ever invested into uh where anybody has ever invested into uh where anybody has ever invested into real estate. um kind of more, you know, real estate. um kind of more, you know, real estate. um kind of more, you know, like humble beginnings, I guess I would like humble beginnings, I guess I would like humble beginnings, I guess I would say. But um once I listened to that that say. But um once I listened to that that say. But um once I listened to that that podcast, that was really the the podcast, that was really the the podcast, that was really the the catalyst for getting into that. And catalyst for getting into that. And catalyst for getting into that. And since then, I’ve developed a network of since then, I’ve developed a network of since then, I’ve developed a network of having like-minded people around me, having like-minded people around me,

[12:57] having like-minded people around me, which is a huge help. which is a huge help. which is a huge help. >> Yeah. >> Yeah. >> Yeah. >> Wow. I I guess I’m just curious what >> Wow. I I guess I’m just curious what >> Wow. I I guess I’m just curious what that was like for you. I like I always that was like for you. I like I always that was like for you. I like I always admire hearing stories like this where admire hearing stories like this where admire hearing stories like this where especially you know it was like pandemic especially you know it was like pandemic especially you know it was like pandemic era but you were getting into something era but you were getting into something era but you were getting into something new that you’d never done before and new that you’d never done before and new that you’d never done before and there weren’t a whole lot of people or there weren’t a whole lot of people or there weren’t a whole lot of people or anyone around you doing it that you knew anyone around you doing it that you knew anyone around you doing it that you knew of and it’s such a big learning curve

[13:18] of and it’s such a big learning curve of and it’s such a big learning curve and so I’m just curious what that was and so I’m just curious what that was and so I’m just curious what that was like for you to step into something like for you to step into something like for you to step into something brand new on your own um with so much to brand new on your own um with so much to brand new on your own um with so much to learn too. Yeah, I think my life has learn too. Yeah, I think my life has learn too. Yeah, I think my life has prepared me for that to where it’s not prepared me for that to where it’s not prepared me for that to where it’s not um it’s not something out of character um it’s not something out of character um it’s not something out of character for me to do something like that. I’ve for me to do something like that. I’ve for me to do something like that. I’ve I’ve kind of always paved my way I’ve kind of always paved my way I’ve kind of always paved my way throughout life. Um and if something throughout life. Um and if something throughout life. Um and if something makes sense to me, it’s not so hard for

[13:41] makes sense to me, it’s not so hard for makes sense to me, it’s not so hard for me to move on it. It just feels like me to move on it. It just feels like me to move on it. It just feels like it’s the right, you know, kind of the it’s the right, you know, kind of the it’s the right, you know, kind of the right thing to do. So, it made sense to right thing to do. So, it made sense to right thing to do. So, it made sense to me. I’m I’m a big math numbers person me. I’m I’m a big math numbers person me. I’m I’m a big math numbers person and um especially those those rookie and um especially those those rookie and um especially those those rookie podcasts hearing them and hearing people podcasts hearing them and hearing people podcasts hearing them and hearing people that you know maybe had less like life that you know maybe had less like life that you know maybe had less like life experience than me or like I had the experience than me or like I had the experience than me or like I had the banking background like had less in some banking background like had less in some banking background like had less in some way than me and were still killing it

[14:03] way than me and were still killing it way than me and were still killing it and still doing all these things. That and still doing all these things. That and still doing all these things. That was enough of a confidence boost for me was enough of a confidence boost for me was enough of a confidence boost for me to be like I can do this. And also I to be like I can do this. And also I to be like I can do this. And also I realized how forgiving real estate was. realized how forgiving real estate was. realized how forgiving real estate was. like um you know with that first first like um you know with that first first like um you know with that first first one I was like um my then husband at the one I was like um my then husband at the one I was like um my then husband at the time and myself neither one of us had um time and myself neither one of us had um time and myself neither one of us had um car payments and so the mortgage was car payments and so the mortgage was car payments and so the mortgage was like 700 bucks a month. So I’m like most like 700 bucks a month. So I’m like most like 700 bucks a month. So I’m like most couples have car payments and that

[14:25] couples have car payments and that couples have car payments and that probably equals about that amount. So probably equals about that amount. So probably equals about that amount. So like worst case scenario we pay it out like worst case scenario we pay it out like worst case scenario we pay it out of pocket if everybody hates this place. of pocket if everybody hates this place. of pocket if everybody hates this place. Nobody wants to rent it and it’s just a Nobody wants to rent it and it’s just a Nobody wants to rent it and it’s just a disaster. Like what’s the worst that disaster. Like what’s the worst that disaster. Like what’s the worst that will happen? We pay it for a few months. will happen? We pay it for a few months.

[14:36] will happen? We pay it for a few months. We put it back on the market and sell We put it back on the market and sell We put it back on the market and sell it. Um because that particular property it. Um because that particular property it. Um because that particular property had multiple offers on it. So that’s the had multiple offers on it. So that’s the had multiple offers on it. So that’s the way I kind of view things is like what’s way I kind of view things is like what’s way I kind of view things is like what’s the worst that can happen? Am I gonna be the worst that can happen? Am I gonna be the worst that can happen? Am I gonna be in a worse spot than I am now? And if in a worse spot than I am now? And if in a worse spot than I am now? And if the answer is no, then I just proceed.

[14:51] the answer is no, then I just proceed. the answer is no, then I just proceed. >> Yeah, it’s great. It’s uh it’s great to >> Yeah, it’s great. It’s uh it’s great to >> Yeah, it’s great. It’s uh it’s great to be able to do that. Um and I love how be able to do that. Um and I love how be able to do that. Um and I love how fast you took action on everything, too. fast you took action on everything, too. fast you took action on everything, too. I mean, that’s I think a lot of times I mean, that’s I think a lot of times I mean, that’s I think a lot of times people will uh do a lot of research or people will uh do a lot of research or people will uh do a lot of research or they’ll go down different rabbit holes they’ll go down different rabbit holes they’ll go down different rabbit holes of which is the best approach for um you of which is the best approach for um you of which is the best approach for um you know, getting into real estate. Um know, getting into real estate. Um know, getting into real estate. Um >> Mhm. Even like knowing how to pivot too, >> Mhm. Even like knowing how to pivot too,

[15:12] >> Mhm. Even like knowing how to pivot too, you know, like when you found out you you know, like when you found out you you know, like when you found out you were pregnant and it wasn’t like, oh, were pregnant and it wasn’t like, oh, were pregnant and it wasn’t like, oh, I’m just going to put a pause on this. I’m just going to put a pause on this. I’m just going to put a pause on this. It’s like, well, how do I do it It’s like, well, how do I do it It’s like, well, how do I do it differently so it accommodates what I’m differently so it accommodates what I’m differently so it accommodates what I’m facing now? facing now? facing now? >> Right. I definitely thought about it. I >> Right. I definitely thought about it. I >> Right. I definitely thought about it. I wasn’t like immediately powering wasn’t like immediately powering wasn’t like immediately powering through. But then I was like, I’m pretty through. But then I was like, I’m pretty through. But then I was like, I’m pretty sure when you have a kid, things get sure when you have a kid, things get sure when you have a kid, things get harder. So if if I have a kid, but it’s

[15:28] harder. So if if I have a kid, but it’s harder. So if if I have a kid, but it’s still in, you know, in my stomach and I still in, you know, in my stomach and I still in, you know, in my stomach and I don’t have to be carrying it around and don’t have to be carrying it around and don’t have to be carrying it around and doing things, like that probably seems doing things, like that probably seems doing things, like that probably seems like an easier time to start than to like an easier time to start than to like an easier time to start than to wait for a newborn child to be here. Um, wait for a newborn child to be here. Um, wait for a newborn child to be here. Um, and that was that turned out to be true.

[15:38] and that was that turned out to be true. and that was that turned out to be true. So, So, So, >> yeah. >> yeah. >> yeah. >> Yeah. >> Yeah. >> Yeah. >> Motivating, too. You’ve got a a >> Motivating, too. You’ve got a a >> Motivating, too. You’ve got a a deadline. All deadline. All deadline. All >> right. So, so take us take us back then. >> right. So, so take us take us back then. >> right. So, so take us take us back then. So, we’ve gotten past this one. You said So, we’ve gotten past this one. You said So, we’ve gotten past this one. You said that you you now prefer getting into that you you now prefer getting into that you you now prefer getting into multif family or whatever. What was the multif family or whatever. What was the multif family or whatever. What was the next step? And when did when did you get next step? And when did when did you get next step? And when did when did you get into uh getting your license to sell?

[15:55] into uh getting your license to sell? into uh getting your license to sell? >> Yeah. So, um I got my little timeline >> Yeah. So, um I got my little timeline >> Yeah. So, um I got my little timeline here cuz it’s just been kind of a a here cuz it’s just been kind of a a here cuz it’s just been kind of a a blur, but um so I got my license to sell blur, but um so I got my license to sell blur, but um so I got my license to sell in um the beginning of 2022. So, I was in um the beginning of 2022. So, I was in um the beginning of 2022. So, I was still working full-time as a bank still working full-time as a bank still working full-time as a bank manager. I had just returned from manager. I had just returned from manager. I had just returned from maternity leave at that point. Um, and I maternity leave at that point. Um, and I maternity leave at that point. Um, and I had gotten it just because I wasn’t so had gotten it just because I wasn’t so had gotten it just because I wasn’t so satisfied with my my agent experience satisfied with my my agent experience satisfied with my my agent experience when I bought the duplex a few months

[16:19] when I bought the duplex a few months when I bought the duplex a few months prior to getting my license. And I saw prior to getting my license. And I saw prior to getting my license. And I saw the commission they made and I was like, the commission they made and I was like, the commission they made and I was like, “Wow, like I could have made that for “Wow, like I could have made that for “Wow, like I could have made that for myself and not been frustrated because I myself and not been frustrated because I myself and not been frustrated because I would have been doing all the things would have been doing all the things would have been doing all the things that I wanted them to do.” Um, I since that I wanted them to do.” Um, I since that I wanted them to do.” Um, I since learned it was a much harder job than I learned it was a much harder job than I learned it was a much harder job than I thought and there was probably a lot thought and there was probably a lot thought and there was probably a lot that they were doing behind the scenes that they were doing behind the scenes that they were doing behind the scenes that I didn’t, you know, recognize, but

[16:37] that I didn’t, you know, recognize, but that I didn’t, you know, recognize, but that was the initial kind of catalyst to that was the initial kind of catalyst to that was the initial kind of catalyst to it. Um, so I got my license real quick it. Um, so I got my license real quick it. Um, so I got my license real quick at the end at the beginning of 2022. Um, at the end at the beginning of 2022. Um, at the end at the beginning of 2022. Um, I did one deal from January of 2022 I did one deal from January of 2022 I did one deal from January of 2022 until I quit my July my job in July of until I quit my July my job in July of until I quit my July my job in July of 2022. Um, while working, you know, 2022. Um, while working, you know, 2022. Um, while working, you know, full-time. But as probably most of us full-time. But as probably most of us full-time. But as probably most of us know, being a part-time agent is know, being a part-time agent is know, being a part-time agent is extremely hard. And for me, the extremely hard. And for me, the extremely hard. And for me, the difference was drastic um to where you

[17:02] difference was drastic um to where you difference was drastic um to where you know that part-time period I did one know that part-time period I did one know that part-time period I did one deal and then my first full year as an deal and then my first full year as an deal and then my first full year as an agent I did 49 deals. So it kind of agent I did 49 deals. So it kind of agent I did 49 deals. So it kind of shows the difference between you know shows the difference between you know shows the difference between you know when you have all your time versus um when you have all your time versus um when you have all your time versus um none of your time. Um so yeah, so none of your time. Um so yeah, so none of your time. Um so yeah, so started investing beginning of 2021. Um started investing beginning of 2021. Um started investing beginning of 2021. Um became an agent beginning of 2022.

[17:20] became an agent beginning of 2022. became an agent beginning of 2022. Full-time agent by July of 2022. So I’ve Full-time agent by July of 2022. So I’ve Full-time agent by July of 2022. So I’ve now completed three three full years as now completed three three full years as now completed three three full years as an agent. I’m entering my fourth. Was an agent. I’m entering my fourth. Was an agent. I’m entering my fourth. Was there a second second part to that there a second second part to that there a second second part to that question? question? question? >> I was I was wasn’t sure if you had uh >> I was I was wasn’t sure if you had uh >> I was I was wasn’t sure if you had uh continued to invest a little bit more um continued to invest a little bit more um continued to invest a little bit more um as like before getting your license or as like before getting your license or as like before getting your license or if that was like the next step.

[17:37] if that was like the next step. if that was like the next step. >> Um your response though makes me wonder >> Um your response though makes me wonder >> Um your response though makes me wonder um what you did and how you were able to um what you did and how you were able to um what you did and how you were able to get 49 uh deals your first, you know, get 49 uh deals your first, you know, get 49 uh deals your first, you know, full-time year. full-time year. full-time year. >> Yeah. Um so I just knew I couldn’t fail >> Yeah. Um so I just knew I couldn’t fail >> Yeah. Um so I just knew I couldn’t fail and that I had to make something work. and that I had to make something work.

[17:52] and that I had to make something work. So, I kind of threw everything at the So, I kind of threw everything at the So, I kind of threw everything at the wall to see what would stick and wall to see what would stick and wall to see what would stick and everything kind of stuck. Um, so then I everything kind of stuck. Um, so then I everything kind of stuck. Um, so then I became very busy, which is a blessing became very busy, which is a blessing became very busy, which is a blessing and it’s it’s a great thing, but um it and it’s it’s a great thing, but um it and it’s it’s a great thing, but um it was a very overwhelming year for sure. was a very overwhelming year for sure. was a very overwhelming year for sure. Um, so when I first quit my job, I I Um, so when I first quit my job, I I Um, so when I first quit my job, I I think I maxed out one of my credit cards think I maxed out one of my credit cards think I maxed out one of my credit cards to buy a wholesaling course um with Jal to buy a wholesaling course um with Jal to buy a wholesaling course um with Jal Dami, who’s like a big wholesaler. Um,

[18:15] Dami, who’s like a big wholesaler. Um, Dami, who’s like a big wholesaler. Um, and that’s what I thought I was going to and that’s what I thought I was going to and that’s what I thought I was going to do was because I did it once do was because I did it once do was because I did it once accidentally and made some money, so I accidentally and made some money, so I accidentally and made some money, so I was like, let me just do that. But then was like, let me just do that. But then was like, let me just do that. But then I ended up connecting with um she’s I ended up connecting with um she’s I ended up connecting with um she’s still the broker at my agency now um and still the broker at my agency now um and still the broker at my agency now um and you know one of my best friends um but you know one of my best friends um but you know one of my best friends um but she was looking for a buyer agent. She she was looking for a buyer agent. She she was looking for a buyer agent. She was a pretty big agent at the time and was a pretty big agent at the time and was a pretty big agent at the time and still is um and she was looking for a

[18:36] still is um and she was looking for a still is um and she was looking for a buyer agent and so I just did everything buyer agent and so I just did everything buyer agent and so I just did everything I could to prove myself to her and um I could to prove myself to her and um I could to prove myself to her and um you know anything she needed I was right you know anything she needed I was right you know anything she needed I was right there. I wasn’t really asking questions. there. I wasn’t really asking questions. there. I wasn’t really asking questions. I would figure it out on my own. um all I would figure it out on my own. um all I would figure it out on my own. um all she had to do was give me the client and she had to do was give me the client and she had to do was give me the client and I was going to get them to closing one I was going to get them to closing one I was going to get them to closing one way or another and not bother her. Um so way or another and not bother her. Um so way or another and not bother her. Um so once she kind of learned that about me, once she kind of learned that about me,

[18:55] once she kind of learned that about me, she started just kind of giving me she started just kind of giving me she started just kind of giving me almost all of her buyers because she almost all of her buyers because she almost all of her buyers because she didn’t have to do anything. Um we had a didn’t have to do anything. Um we had a didn’t have to do anything. Um we had a split structure where it was it was split structure where it was it was split structure where it was it was tiered. So it started out with me making tiered. So it started out with me making tiered. So it started out with me making I think 20% and like after three deals I think 20% and like after three deals I think 20% and like after three deals it goes up and goes up and goes up. Um it goes up and goes up and goes up. Um it goes up and goes up and goes up. Um so I was doing almost all the work but so I was doing almost all the work but so I was doing almost all the work but making a very small amount of the deal.

[19:15] making a very small amount of the deal. making a very small amount of the deal. So, it worked out great for her, worked So, it worked out great for her, worked So, it worked out great for her, worked out great for me because I was getting out great for me because I was getting out great for me because I was getting the reps in, um, and getting that, you the reps in, um, and getting that, you the reps in, um, and getting that, you know, confidence built up. Um, so that know, confidence built up. Um, so that know, confidence built up. Um, so that was from July of 2022 to maybe January was from July of 2022 to maybe January was from July of 2022 to maybe January of 2023 that that was what I did. And of 2023 that that was what I did. And of 2023 that that was what I did. And then around that time, her business was then around that time, her business was then around that time, her business was kind of slowing down a little bit um, kind of slowing down a little bit um, kind of slowing down a little bit um, where she was ready to service her own where she was ready to service her own where she was ready to service her own buyers again. So, I’m like, okay, I got

[19:40] buyers again. So, I’m like, okay, I got buyers again. So, I’m like, okay, I got to pivot again. So then I was like, let to pivot again. So then I was like, let to pivot again. So then I was like, let me see about buying leads. Um, so at me see about buying leads. Um, so at me see about buying leads. Um, so at that point I had done enough that point I had done enough that point I had done enough transactions to where I could do that. transactions to where I could do that. transactions to where I could do that. Um, like with Zillow and things, I think Um, like with Zillow and things, I think Um, like with Zillow and things, I think you need to do five or 10 or some amount you need to do five or 10 or some amount you need to do five or 10 or some amount of transactions in order to to do that.

[19:56] of transactions in order to to do that. of transactions in order to to do that. >> Um, so I now met that criteria. So I um >> Um, so I now met that criteria. So I um >> Um, so I now met that criteria. So I um I did Redfin and then I spent about it I did Redfin and then I spent about it I did Redfin and then I spent about it was a significant amount of money. I was a significant amount of money. I was a significant amount of money. I can’t remember exactly, maybe $1,500, can’t remember exactly, maybe $1,500, can’t remember exactly, maybe $1,500, $2,000, something like that a month on $2,000, something like that a month on $2,000, something like that a month on Zillow leads. And I just again, you Zillow leads. And I just again, you Zillow leads. And I just again, you know, went all in. Um, every lead that know, went all in. Um, every lead that know, went all in. Um, every lead that would call me, I would make sure to would call me, I would make sure to would call me, I would make sure to answer and have like a very robust answer and have like a very robust answer and have like a very robust conversation with them because I was

[20:19] conversation with them because I was conversation with them because I was going to make sure that that lead was going to make sure that that lead was going to make sure that that lead was going to be converted for the amount of going to be converted for the amount of going to be converted for the amount of money that I was spending to to get money that I was spending to to get money that I was spending to to get that. And so I had an extremely high that. And so I had an extremely high that. And so I had an extremely high conversion rate on um, Zillow and that conversion rate on um, Zillow and that conversion rate on um, Zillow and that was about half of my business in 2023. was about half of my business in 2023.

[20:33] was about half of my business in 2023. about half of that 49 number was that about half of that 49 number was that about half of that 49 number was that and the rest was residual from my and the rest was residual from my and the rest was residual from my partnership with um with the you know partnership with um with the you know partnership with um with the you know the agent that’s now my broker um and the agent that’s now my broker um and the agent that’s now my broker um and her staff like referrals from there and her staff like referrals from there and her staff like referrals from there and then also you know repeat clients or then also you know repeat clients or then also you know repeat clients or referral clients from the people who I referral clients from the people who I referral clients from the people who I had helped um previously and then it’s had helped um previously and then it’s had helped um previously and then it’s trans transitioned again from that to trans transitioned again from that to trans transitioned again from that to now the buyers turn into sellers and now the buyers turn into sellers and

[20:57] now the buyers turn into sellers and then more referrals um so then I’m not then more referrals um so then I’m not then more referrals um so then I’m not getting to my red fins anymore so now getting to my red fins anymore so now getting to my red fins anymore so now I’m outsourcing those then I wasn’t I’m outsourcing those then I wasn’t I’m outsourcing those then I wasn’t getting to my Zillow anymore. So, I’ve getting to my Zillow anymore. So, I’ve getting to my Zillow anymore. So, I’ve actually shut those down and now it’s um actually shut those down and now it’s um actually shut those down and now it’s um at this point 100% referral um either at this point 100% referral um either at this point 100% referral um either from past clients um and also a lot of from past clients um and also a lot of from past clients um and also a lot of other agents now will refer business to other agents now will refer business to other agents now will refer business to me because I have a niche in um in me because I have a niche in um in me because I have a niche in um in investor uh especially multif family

[21:21] investor uh especially multif family investor uh especially multif family owner occupant uh purchases. So, a lot owner occupant uh purchases. So, a lot owner occupant uh purchases. So, a lot of agents would would know that I’ll of agents would would know that I’ll of agents would would know that I’ll just they can get them to me. I’ll do just they can get them to me. I’ll do just they can get them to me. I’ll do take good care of them. they can just take good care of them. they can just take good care of them. they can just take a split and they don’t have to go take a split and they don’t have to go take a split and they don’t have to go through running all those numbers or through running all those numbers or through running all those numbers or doing something that isn’t as doing something that isn’t as doing something that isn’t as comfortable for them. So, that’s where comfortable for them. So, that’s where comfortable for them. So, that’s where I’m at kind of now with lead genen.

[21:38] I’m at kind of now with lead genen. I’m at kind of now with lead genen. >> Awesome. >> Awesome. >> Awesome. >> In your community, Sarah, um you know, >> In your community, Sarah, um you know, >> In your community, Sarah, um you know, if we would ask some of the like if we would ask some of the like if we would ask some of the like mortgage lenders or real estate agents mortgage lenders or real estate agents mortgage lenders or real estate agents in your community, you know, what how in your community, you know, what how in your community, you know, what how would you describe Sarah? Like what’s would you describe Sarah? Like what’s would you describe Sarah? Like what’s her reputation? What do you feel like her reputation? What do you feel like her reputation? What do you feel like you’re known for? How how would they see you’re known for? How how would they see you’re known for? How how would they see you?

[21:55] you? you? >> Yeah. So, kind of what I just um was >> Yeah. So, kind of what I just um was >> Yeah. So, kind of what I just um was talking about at the end there, like I talking about at the end there, like I talking about at the end there, like I I’ve kind of found my niche with that I’ve kind of found my niche with that I’ve kind of found my niche with that owner occupant multif family and also owner occupant multif family and also owner occupant multif family and also like getting just getting people started like getting just getting people started like getting just getting people started in investing. So, um you’ll see on my in investing. So, um you’ll see on my in investing. So, um you’ll see on my social media and different places that I social media and different places that I social media and different places that I really like to talk about how did I get really like to talk about how did I get really like to talk about how did I get my first deal? How did my client do my first deal? How did my client do my first deal? How did my client do this? Like different real world stories.

[22:17] this? Like different real world stories. this? Like different real world stories. Um showing again how how regular people Um showing again how how regular people Um showing again how how regular people can do it. um kind of like what I can do it. um kind of like what I can do it. um kind of like what I experienced with the real estate rookie experienced with the real estate rookie experienced with the real estate rookie podcast way back. I try to like podcast way back. I try to like podcast way back. I try to like replicate that for my clients now or replicate that for my clients now or replicate that for my clients now or just the general audience. Um but yeah, just the general audience. Um but yeah, just the general audience. Um but yeah, I think lenders and whatnot would would I think lenders and whatnot would would I think lenders and whatnot would would describe me as you know, very kind of describe me as you know, very kind of describe me as you know, very kind of smart in that space and knowing what a smart in that space and knowing what a smart in that space and knowing what a good deal is, being able to advise

[22:38] good deal is, being able to advise good deal is, being able to advise people with um confidence and and you people with um confidence and and you people with um confidence and and you know, a lot of people get nervous about know, a lot of people get nervous about know, a lot of people get nervous about doing this sort of thing, but I feel doing this sort of thing, but I feel doing this sort of thing, but I feel like because I have my real life to back like because I have my real life to back like because I have my real life to back it up and to show, hey, I did this. So, it up and to show, hey, I did this. So, it up and to show, hey, I did this. So, I’m not just trying to sell you I’m not just trying to sell you I’m not just trying to sell you something. I’m not just trying to make a something. I’m not just trying to make a something. I’m not just trying to make a commission here. I’ve actually changed commission here. I’ve actually changed commission here. I’ve actually changed my life doing the exact same thing that my life doing the exact same thing that my life doing the exact same thing that I’m now advising you to do. So, now

[22:58] I’m now advising you to do. So, now I’m now advising you to do. So, now you’ve got the person who’s who’s done you’ve got the person who’s who’s done you’ve got the person who’s who’s done the thing side by side lockep with you the thing side by side lockep with you the thing side by side lockep with you showing you how to, you know, vet showing you how to, you know, vet showing you how to, you know, vet tenants, how to um, you know, just buy tenants, how to um, you know, just buy tenants, how to um, you know, just buy an investment property and how you can an investment property and how you can an investment property and how you can stack that to build generational wealth stack that to build generational wealth stack that to build generational wealth to, you know, reduce your your living to, you know, reduce your your living to, you know, reduce your your living expenses and to enjoy life and not just expenses and to enjoy life and not just expenses and to enjoy life and not just be chasing the next paycheck all the be chasing the next paycheck all the be chasing the next paycheck all the time. And I take a lot of pride and joy

[23:21] time. And I take a lot of pride and joy time. And I take a lot of pride and joy in helping other people get out of the in helping other people get out of the in helping other people get out of the rat race and be able to actually enjoy rat race and be able to actually enjoy rat race and be able to actually enjoy their lives and their families. Um so their lives and their families. Um so their lives and their families. Um so passionate I guess would be one one word passionate I guess would be one one word passionate I guess would be one one word that you would hear from them. that you would hear from them. that you would hear from them. >> Yeah. Yeah. I hear that. Grit too >> Yeah. Yeah. I hear that. Grit too >> Yeah. Yeah. I hear that. Grit too probably.

[23:33] probably. probably. >> Yeah. >> Yeah. >> Yeah. >> You’ve done you’ve you’ve definitely um >> You’ve done you’ve you’ve definitely um >> You’ve done you’ve you’ve definitely um changed from what you’re saying. You changed from what you’re saying. You changed from what you’re saying. You know, you had mentioned coming for know, you had mentioned coming for know, you had mentioned coming for starting from like humble beginnings and starting from like humble beginnings and starting from like humble beginnings and you’ve really done so much to change you’ve really done so much to change you’ve really done so much to change like some of the generational patterns.

[23:46] like some of the generational patterns. like some of the generational patterns. It sounds like that existed in your It sounds like that existed in your It sounds like that existed in your family family family >> and your son will be growing up. It >> and your son will be growing up. It >> and your son will be growing up. It sounds like much differently than maybe sounds like much differently than maybe sounds like much differently than maybe you did. you did. you did. >> Yeah, definitely. >> Yeah, definitely. >> Yeah, definitely. >> Um Sarah, I know that often uh when you >> Um Sarah, I know that often uh when you >> Um Sarah, I know that often uh when you know people are paying for leads. Um it know people are paying for leads. Um it know people are paying for leads. Um it it feels a bit like being a receptionist it feels a bit like being a receptionist it feels a bit like being a receptionist which which you kind of mentioned that which which you kind of mentioned that which which you kind of mentioned that you kind of lost you weren’t able to do

[24:06] you kind of lost you weren’t able to do you kind of lost you weren’t able to do as much as as you got busier, right? It as much as as you got busier, right? It as much as as you got busier, right? It was like you have to answer the phone was like you have to answer the phone was like you have to answer the phone really fast. You have to you know talk. really fast. You have to you know talk. really fast. You have to you know talk. Um, but it sounds like through that Um, but it sounds like through that Um, but it sounds like through that process, you were able to maintain process, you were able to maintain process, you were able to maintain relationships with uh the past clients. relationships with uh the past clients.

[24:19] relationships with uh the past clients. Um, like it wasn’t that, you know, you Um, like it wasn’t that, you know, you Um, like it wasn’t that, you know, you just have this well that you’re always just have this well that you’re always just have this well that you’re always drawing from. So, like, forget the drawing from. So, like, forget the drawing from. So, like, forget the people that have already bought. Let’s people that have already bought. Let’s people that have already bought. Let’s just keep getting this this well. So, just keep getting this this well. So, just keep getting this this well. So, like, have you do you have systems in like, have you do you have systems in like, have you do you have systems in place or what do you do for um well, place or what do you do for um well, place or what do you do for um well, first of all, it sounds like you you first of all, it sounds like you you first of all, it sounds like you you took a lot of time to try to be uh to to took a lot of time to try to be uh to to took a lot of time to try to be uh to to really build that relationship from the

[24:36] really build that relationship from the really build that relationship from the first phone call. Um, so that’s probably first phone call. Um, so that’s probably first phone call. Um, so that’s probably something you do very naturally. Uh but something you do very naturally. Uh but something you do very naturally. Uh but do you do you follow up with the past do you do you follow up with the past do you do you follow up with the past clients etc. uh frequently? clients etc. uh frequently? clients etc. uh frequently? >> That’s to be honest with you um a newer >> That’s to be honest with you um a newer >> That’s to be honest with you um a newer uh focus of mine. For the first couple uh focus of mine. For the first couple uh focus of mine. For the first couple of years it was honestly it was like of years it was honestly it was like of years it was honestly it was like drinking from a fire hose where I was drinking from a fire hose where I was drinking from a fire hose where I was just hoping to have enough money to like just hoping to have enough money to like just hoping to have enough money to like live, you know, maybe replace my salary,

[24:57] live, you know, maybe replace my salary, live, you know, maybe replace my salary, but it turned into something way bigger but it turned into something way bigger but it turned into something way bigger than that. And I did not have the than that. And I did not have the than that. And I did not have the systems in place to handle that. Now I systems in place to handle that. Now I systems in place to handle that. Now I have um like I have a spreadsheet. Well, have um like I have a spreadsheet. Well, have um like I have a spreadsheet. Well, I always had the spreadsheet, but now I always had the spreadsheet, but now I always had the spreadsheet, but now I’m using the spreadsheet to look back I’m using the spreadsheet to look back I’m using the spreadsheet to look back through past clients. And like this through past clients. And like this through past clients. And like this year, I sent, you know, Christmas cards year, I sent, you know, Christmas cards year, I sent, you know, Christmas cards and I I try to just kind of go in there and I I try to just kind of go in there and I I try to just kind of go in there and um send maybe a couple texts per day

[25:17] and um send maybe a couple texts per day and um send maybe a couple texts per day or every couple of days of just, hey, or every couple of days of just, hey, or every couple of days of just, hey, how’s it going? Or I saw you posted this how’s it going? Or I saw you posted this how’s it going? Or I saw you posted this on social media about, you know, um your on social media about, you know, um your on social media about, you know, um your engagement, congratulations on that. So, engagement, congratulations on that. So, engagement, congratulations on that. So, like kind of little touch points, but I like kind of little touch points, but I like kind of little touch points, but I don’t know that I have like an amazing don’t know that I have like an amazing don’t know that I have like an amazing answer to that question. And I would say answer to that question. And I would say answer to that question. And I would say I’m still a work in work in progress on I’m still a work in work in progress on I’m still a work in work in progress on that. But um definitely have had a lot that. But um definitely have had a lot

[25:37] that. But um definitely have had a lot of repeat clients. I think with the of repeat clients. I think with the of repeat clients. I think with the experience that I provide that that that experience that I provide that that that experience that I provide that that that relationship kind of naturally continues relationship kind of naturally continues relationship kind of naturally continues because they’re asking me what do I do? because they’re asking me what do I do? because they’re asking me what do I do? How do I deal with this eviction? How do How do I deal with this eviction? How do How do I deal with this eviction? How do I deal with this situation? So we’re I deal with this situation? So we’re I deal with this situation? So we’re maintaining um a a active conversation maintaining um a a active conversation maintaining um a a active conversation because of kind of that rental component because of kind of that rental component because of kind of that rental component with many of the people that I work with many of the people that I work with many of the people that I work with.

[25:57] with. with. >> It sounds like you provide a lot of >> It sounds like you provide a lot of >> It sounds like you provide a lot of value and you’re you’re an expert in value and you’re you’re an expert in value and you’re you’re an expert in this space. Um, so that that definitely this space. Um, so that that definitely this space. Um, so that that definitely makes people want to go to you. Um, and makes people want to go to you. Um, and makes people want to go to you. Um, and I I guess it’s just something that I I I guess it’s just something that I I I guess it’s just something that I think people need to be cognizant of. think people need to be cognizant of. think people need to be cognizant of. Um, if they are uh wanting to take that Um, if they are uh wanting to take that Um, if they are uh wanting to take that approach, which obviously has made you approach, which obviously has made you approach, which obviously has made you very successful, is just, you know, that very successful, is just, you know, that very successful, is just, you know, that it can feel overwhelming to have to to

[26:17] it can feel overwhelming to have to to it can feel overwhelming to have to to to field the new ones to not uh reach to field the new ones to not uh reach to field the new ones to not uh reach out to the old ones. And um, ideally, if out to the old ones. And um, ideally, if out to the old ones. And um, ideally, if you are getting if you are paying for you are getting if you are paying for you are getting if you are paying for leads that you’re you are then also able leads that you’re you are then also able leads that you’re you are then also able to nurture the ones that you’ve closed, to nurture the ones that you’ve closed, to nurture the ones that you’ve closed, um, work your sphere, etc. to to kind of um, work your sphere, etc. to to kind of um, work your sphere, etc. to to kind of build that up because would you I mean build that up because would you I mean build that up because would you I mean would you go back I mean I guess if would you go back I mean I guess if would you go back I mean I guess if things slowed down um you probably would things slowed down um you probably would

[26:36] things slowed down um you probably would be happy to go back to that system but be happy to go back to that system but be happy to go back to that system but do you do you find uh being kind of like do you do you find uh being kind of like do you do you find uh being kind of like fielding calls being kind of more fielding calls being kind of more fielding calls being kind of more receptionist versus like having people receptionist versus like having people receptionist versus like having people coming to you and asking for u you know coming to you and asking for u you know coming to you and asking for u you know help for the new business like do you do help for the new business like do you do help for the new business like do you do you have a preference between the two you have a preference between the two you have a preference between the two like uh styles of business if you will?

[26:52] like uh styles of business if you will? like uh styles of business if you will? >> Oh yeah for sure. Um definitely love the >> Oh yeah for sure. Um definitely love the >> Oh yeah for sure. Um definitely love the referrals. it’s much easier and um I referrals. it’s much easier and um I referrals. it’s much easier and um I think I’ve lost a little bit of the think I’ve lost a little bit of the think I’ve lost a little bit of the energy that I had in the beginning of energy that I had in the beginning of energy that I had in the beginning of like you know just that fighter energy like you know just that fighter energy like you know just that fighter energy of of of >> conquering every Zillow call you know it >> conquering every Zillow call you know it >> conquering every Zillow call you know it takes a lot of mental energy to convert takes a lot of mental energy to convert takes a lot of mental energy to convert those types of just completely cold those types of just completely cold those types of just completely cold leads um so I think it’s like a leads um so I think it’s like a

[27:13] leads um so I think it’s like a graduation like anything else and and graduation like anything else and and graduation like anything else and and that’s why you know most agents I that’s why you know most agents I that’s why you know most agents I believe the stat is like 90% of agents believe the stat is like 90% of agents believe the stat is like 90% of agents fail in the first year or something like fail in the first year or something like fail in the first year or something like that because it’s it’s that ramp up that because it’s it’s that ramp up that because it’s it’s that ramp up period that’s so challenging but once period that’s so challenging but once period that’s so challenging but once Once you’ve gotten there a little bit, Once you’ve gotten there a little bit, Once you’ve gotten there a little bit, um I feel like the referral um piece um I feel like the referral um piece um I feel like the referral um piece kind of takes care of itself over time, kind of takes care of itself over time, kind of takes care of itself over time, but it’s just getting to the point where but it’s just getting to the point where

[27:34] but it’s just getting to the point where you’re able to survive off of that, you’re able to survive off of that, you’re able to survive off of that, which takes time. Um I feel like I did which takes time. Um I feel like I did which takes time. Um I feel like I did it at an accelerated pace, which was, it at an accelerated pace, which was, it at an accelerated pace, which was, you know, like I said, painful for sure you know, like I said, painful for sure you know, like I said, painful for sure at the time. Um, but I’m thankful for it at the time. Um, but I’m thankful for it at the time. Um, but I’m thankful for it now because um, it’s just it’s a now because um, it’s just it’s a now because um, it’s just it’s a definitely a much easier, much more definitely a much easier, much more definitely a much easier, much more comfortable way to get leads, you know, comfortable way to get leads, you know, comfortable way to get leads, you know, from somebody that already knows from somebody that already knows from somebody that already knows somebody they love and care about who somebody they love and care about who

[27:54] somebody they love and care about who used you and had amazing things to say. used you and had amazing things to say. used you and had amazing things to say. And then it’s just a very different And then it’s just a very different And then it’s just a very different experience versus having to prove experience versus having to prove experience versus having to prove yourself and um, show your value without yourself and um, show your value without yourself and um, show your value without them hanging up on you, you know, with them hanging up on you, you know, with them hanging up on you, you know, with just a blind call in the middle of the just a blind call in the middle of the just a blind call in the middle of the day with no um, day with no um, day with no um, >> no warning. Um, and if you don’t pick it >> no warning. Um, and if you don’t pick it >> no warning. Um, and if you don’t pick it up, you lose the lead. So, it’s it’s a up, you lose the lead. So, it’s it’s a up, you lose the lead. So, it’s it’s a very different experience, very different experience, very different experience, >> right? Yeah.

[28:13] >> right? Yeah. >> right? Yeah. >> Yeah, totally. It’s um yeah, I I would >> Yeah, totally. It’s um yeah, I I would >> Yeah, totally. It’s um yeah, I I would agree. Um that’s that’s my perception of agree. Um that’s that’s my perception of agree. Um that’s that’s my perception of it as well. And it it can be, you know, it as well. And it it can be, you know, it as well. And it it can be, you know, again, it can be hard to start without again, it can be hard to start without again, it can be hard to start without um having some kind of source like that. um having some kind of source like that. um having some kind of source like that. So, like it can can work. It’s just uh I So, like it can can work. It’s just uh I So, like it can can work. It’s just uh I think it’s a good good idea to to start think it’s a good good idea to to start think it’s a good good idea to to start with the intention of trying to get out with the intention of trying to get out with the intention of trying to get out um and and by building the the sources um and and by building the the sources

[28:34] um and and by building the the sources of of leads from other places. Uh of of leads from other places. Uh of of leads from other places. Uh curious then about the the some of the curious then about the the some of the curious then about the the some of the other investments you’ve made since like other investments you’ve made since like other investments you’ve made since like so um you talked about like kind of so um you talked about like kind of so um you talked about like kind of having this realtor income uh provide having this realtor income uh provide having this realtor income uh provide the the capital to invest in these the the capital to invest in these the the capital to invest in these properties. Is that correct? Have you properties. Is that correct? Have you properties. Is that correct? Have you did you go right into multif family did you go right into multif family did you go right into multif family after this this first single? Um I did I after this this first single? Um I did I after this this first single? Um I did I did kind of so I did the first single did kind of so I did the first single

[28:58] did kind of so I did the first single and then um I got a duplex which I lived and then um I got a duplex which I lived and then um I got a duplex which I lived in one side rented the other side but I in one side rented the other side but I in one side rented the other side but I retained the single family that I had retained the single family that I had retained the single family that I had lived in prior to that plus I had the um lived in prior to that plus I had the um lived in prior to that plus I had the um just a strictly investment single family just a strictly investment single family just a strictly investment single family at that point. So then that was four at that point. So then that was four at that point. So then that was four units. Um then I quit my job. So then it units. Um then I quit my job. So then it units. Um then I quit my job. So then it was harder you know actually impossible was harder you know actually impossible was harder you know actually impossible to do residential financing. Um so then to do residential financing. Um so then to do residential financing. Um so then I had to pivot. Um, so that’s when I

[29:21] I had to pivot. Um, so that’s when I I had to pivot. Um, so that’s when I pulled equity out of the very first pulled equity out of the very first pulled equity out of the very first investment that I had gotten. Um, I did investment that I had gotten. Um, I did investment that I had gotten. Um, I did a cash out refi. I pulled uh the down a cash out refi. I pulled uh the down a cash out refi. I pulled uh the down payment money for a beach condo and that payment money for a beach condo and that payment money for a beach condo and that was my first Airbnb, which I don’t love. was my first Airbnb, which I don’t love. was my first Airbnb, which I don’t love. Um, don’t have that anymore, but that I Um, don’t have that anymore, but that I Um, don’t have that anymore, but that I got that one. Then in 2023 was when the got that one. Then in 2023 was when the got that one. Then in 2023 was when the real ramp up happened where um I started real ramp up happened where um I started real ramp up happened where um I started working with a business partner. Um, she working with a business partner. Um, she

[29:46] working with a business partner. Um, she was actually my boss at TD Bank. um a was actually my boss at TD Bank. um a was actually my boss at TD Bank. um a few positions before the bank manager few positions before the bank manager few positions before the bank manager position I spoke about. Um we both had position I spoke about. Um we both had position I spoke about. Um we both had um you know kind of been interested in um you know kind of been interested in um you know kind of been interested in investing but had never spoken to each investing but had never spoken to each investing but had never spoken to each other about it. So we actually saw each other about it. So we actually saw each other about it. So we actually saw each other um at a real estate auction one other um at a real estate auction one other um at a real estate auction one time and we were both pregnant. Our our time and we were both pregnant. Our our time and we were both pregnant. Our our sons are about a month apart in age and sons are about a month apart in age and sons are about a month apart in age and we were like the only females there

[30:11] we were like the only females there we were like the only females there certainly the only pregnant females and certainly the only pregnant females and certainly the only pregnant females and we happened to know each other and um we happened to know each other and um we happened to know each other and um that’s kind of when the conversation that’s kind of when the conversation that’s kind of when the conversation started. So, she’s like, “I think I want started. So, she’s like, “I think I want started. So, she’s like, “I think I want to quit my job.” I’m like, “I think I to quit my job.” I’m like, “I think I to quit my job.” I’m like, “I think I want to quit my job, too.” Um, so I quit want to quit my job, too.” Um, so I quit want to quit my job, too.” Um, so I quit first in July of 2022. She quit hers in first in July of 2022. She quit hers in first in July of 2022. She quit hers in January of 2023. Um, we both worked for January of 2023. Um, we both worked for January of 2023. Um, we both worked for TD Bank for I think she was like 15 TD Bank for I think she was like 15 TD Bank for I think she was like 15 years. I was uh 12 years, a long time.

[30:34] years. I was uh 12 years, a long time. years. I was uh 12 years, a long time. >> And um so then we’re like, maybe we >> And um so then we’re like, maybe we >> And um so then we’re like, maybe we should make an LLC and start flipping should make an LLC and start flipping should make an LLC and start flipping houses together because um we’re going houses together because um we’re going houses together because um we’re going to need some some income to be able to to need some some income to be able to to need some some income to be able to put 20% down on buildings and whatnot. put 20% down on buildings and whatnot. put 20% down on buildings and whatnot. So, we created an LLC in May of 2023 to So, we created an LLC in May of 2023 to So, we created an LLC in May of 2023 to start doing flips together. Um, we have start doing flips together. Um, we have start doing flips together. Um, we have yet to do a flip. Um, we actually we yet to do a flip. Um, we actually we yet to do a flip. Um, we actually we just started buying and holding. Um, so just started buying and holding. Um, so

[30:56] just started buying and holding. Um, so she is also a real estate agent and she she is also a real estate agent and she she is also a real estate agent and she had a client who was under contract to had a client who was under contract to had a client who was under contract to buy a 4unit and that person got cold buy a 4unit and that person got cold buy a 4unit and that person got cold feet um after the inspection. So, she’s feet um after the inspection. So, she’s feet um after the inspection. So, she’s like, why don’t we assign the contract like, why don’t we assign the contract like, why don’t we assign the contract to ourselves and we can buy this and to ourselves and we can buy this and to ourselves and we can buy this and we’ll bur it. Um, so we did. Um, I had we’ll bur it. Um, so we did. Um, I had we’ll bur it. Um, so we did. Um, I had been talking to my sphere about what I been talking to my sphere about what I been talking to my sphere about what I was doing all these, you know, this was doing all these, you know, this was doing all these, you know, this couple of years. So, at that point, I

[31:19] couple of years. So, at that point, I couple of years. So, at that point, I reached out to somebody I knew who I reached out to somebody I knew who I reached out to somebody I knew who I knew had some money from um from some knew had some money from um from some knew had some money from um from some things and asked if they would be things and asked if they would be things and asked if they would be interested in, you know, lending me some interested in, you know, lending me some interested in, you know, lending me some money if I paid them. It was 12% money if I paid them. It was 12% money if I paid them. It was 12% interest. Um, so I was sourcing my own interest. Um, so I was sourcing my own interest. Um, so I was sourcing my own private money and I and they said yes, private money and I and they said yes, private money and I and they said yes, you know, and I was like, I’ll give you you know, and I was like, I’ll give you you know, and I was like, I’ll give you a lean on a couple houses that way you a lean on a couple houses that way you a lean on a couple houses that way you feel really comfortable about it. So,

[31:39] feel really comfortable about it. So, feel really comfortable about it. So, they lent $255,000 they lent $255,000 they lent $255,000 for a cash purchase of this four unit for a cash purchase of this four unit for a cash purchase of this four unit that was in need of repair. Um, so we that was in need of repair. Um, so we that was in need of repair. Um, so we did that with private money and then uh did that with private money and then uh did that with private money and then uh my partner and I put I think about 80 my partner and I put I think about 80 my partner and I put I think about 80 grand of our own money into the rehab. grand of our own money into the rehab. grand of our own money into the rehab. Um, and then we went to a commercial Um, and then we went to a commercial Um, and then we went to a commercial bank and um refinanced and it appraised bank and um refinanced and it appraised bank and um refinanced and it appraised for enough I can’t remember now. I think for enough I can’t remember now. I think for enough I can’t remember now. I think so we bought it for 255. It appraised in

[32:05] so we bought it for 255. It appraised in so we bought it for 255. It appraised in the fours somewhere. Maybe high fours the fours somewhere. Maybe high fours the fours somewhere. Maybe high fours after that renovation. So, we were able after that renovation. So, we were able after that renovation. So, we were able to pay back the private money guy for to pay back the private money guy for to pay back the private money guy for 255. Pay back our pay back ourselves the 255. Pay back our pay back ourselves the 255. Pay back our pay back ourselves the 80 and now we had a cash flowing four 80 and now we had a cash flowing four 80 and now we had a cash flowing four unit with no um money into it. unit with no um money into it.

[32:19] unit with no um money into it. >> Um >> Um >> Um >> love it. >> love it. >> love it. >> So, yeah. So, there was that one and >> So, yeah. So, there was that one and >> So, yeah. So, there was that one and then um I can speed up the other ones. then um I can speed up the other ones. then um I can speed up the other ones. It was a next one was a subject two It was a next one was a subject two It was a next one was a subject two situation of a distressed seller who got situation of a distressed seller who got situation of a distressed seller who got in over their head. There wasn’t a way in over their head. There wasn’t a way in over their head. There wasn’t a way to really sell it because it had gone to really sell it because it had gone to really sell it because it had gone down in value because of what had down in value because of what had down in value because of what had happened. So, I proposed a subject to um happened. So, I proposed a subject to um happened. So, I proposed a subject to um purchase. So, I did that. let the person

[32:37] purchase. So, I did that. let the person purchase. So, I did that. let the person stay in the in their apartment for four stay in the in their apartment for four stay in the in their apartment for four or five months rent free and paid them or five months rent free and paid them or five months rent free and paid them like maybe 30 grand over a period of like maybe 30 grand over a period of like maybe 30 grand over a period of nine months and then assumed their nine months and then assumed their nine months and then assumed their mortgage. Um so I did that one. I did a mortgage. Um so I did that one. I did a mortgage. Um so I did that one. I did a seller finance two unit that year as seller finance two unit that year as seller finance two unit that year as well. So that was about 10 units in well. So that was about 10 units in well. So that was about 10 units in 2023. Um do you want me to keep kind of 2023. Um do you want me to keep kind of 2023. Um do you want me to keep kind of going?

[32:55] going? going? >> No, it’s great. I mean this is you’ve >> No, it’s great. I mean this is you’ve >> No, it’s great. I mean this is you’ve done a lot of different strategies. Uh done a lot of different strategies. Uh done a lot of different strategies. Uh which is which is awesome. I think it’s which is which is awesome. I think it’s which is which is awesome. I think it’s it’s nice to like I think you’ve you’ve it’s nice to like I think you’ve you’ve it’s nice to like I think you’ve you’ve taken action really fast. Um, but you taken action really fast. Um, but you taken action really fast. Um, but you know, and and I think there’s something know, and and I think there’s something know, and and I think there’s something about, you know, the riches of the about, you know, the riches of the about, you know, the riches of the niches and focusing on one kind of niches and focusing on one kind of niches and focusing on one kind of opportunity, one kind of one kind of opportunity, one kind of one kind of opportunity, one kind of one kind of deal. Uh, but I think especially as an

[33:15] deal. Uh, but I think especially as an deal. Uh, but I think especially as an agent and if you’re, you know, kind of agent and if you’re, you know, kind of agent and if you’re, you know, kind of focused on the real estate, um, focused on the real estate, um, focused on the real estate, um, investing side of things, you probably investing side of things, you probably investing side of things, you probably get, uh, some opportunities, uh, and and get, uh, some opportunities, uh, and and get, uh, some opportunities, uh, and and having kind of a tool belt of all the having kind of a tool belt of all the having kind of a tool belt of all the different things you could do, uh, could different things you could do, uh, could different things you could do, uh, could be really helpful to, um, yeah, to to be really helpful to, um, yeah, to to be really helpful to, um, yeah, to to make a deal work that may not have make a deal work that may not have make a deal work that may not have worked otherwise. So, subject two, worked otherwise. So, subject two, worked otherwise. So, subject two, seller financing, uh, burr, all that

[33:34] seller financing, uh, burr, all that seller financing, uh, burr, all that stuff is, um, is is really cool. Uh, to stuff is, um, is is really cool. Uh, to stuff is, um, is is really cool. Uh, to have that experience is is awesome. And have that experience is is awesome. And have that experience is is awesome. And I’m sure you can pass on some of that I’m sure you can pass on some of that I’m sure you can pass on some of that knowledge and that creativity when you, knowledge and that creativity when you, knowledge and that creativity when you, uh, have situations come up for your uh, have situations come up for your uh, have situations come up for your clients as well. clients as well. clients as well. >> Definitely. Yeah. Yep. So, just kind of >> Definitely. Yeah. Yep. So, just kind of >> Definitely. Yeah. Yep. So, just kind of been continuing that process from there been continuing that process from there been continuing that process from there on out. But again, just kind of like on out. But again, just kind of like on out. But again, just kind of like with the the leads, you know, it takes

[33:54] with the the leads, you know, it takes with the the leads, you know, it takes time to build up to a certain level. Um, time to build up to a certain level. Um, time to build up to a certain level. Um, in the beginning I would have no in the beginning I would have no in the beginning I would have no business doing burrs and doing private business doing burrs and doing private business doing burrs and doing private money and all of that kind of stuff. I money and all of that kind of stuff. I money and all of that kind of stuff. I wouldn’t know how to do it anyways, but wouldn’t know how to do it anyways, but wouldn’t know how to do it anyways, but um, so kind of similar now like where um, so kind of similar now like where um, so kind of similar now like where everything I’ve done um, I think since everything I’ve done um, I think since everything I’ve done um, I think since that burr I talked about has been that burr I talked about has been that burr I talked about has been creative finance at some level. So I creative finance at some level. So I creative finance at some level. So I don’t think I’ve put any of my own money

[34:15] don’t think I’ve put any of my own money don’t think I’ve put any of my own money into a deal in a while. Um, because I’m into a deal in a while. Um, because I’m into a deal in a while. Um, because I’m just putting together, you know, just putting together, you know, just putting together, you know, commercial lending, um, seller finance, commercial lending, um, seller finance, commercial lending, um, seller finance, um, and private money. So, like the most um, and private money. So, like the most um, and private money. So, like the most recent building, I bought a 15 unit, $0 recent building, I bought a 15 unit, $0 recent building, I bought a 15 unit, $0 out of pocket cuz I’m stacking three out of pocket cuz I’m stacking three out of pocket cuz I’m stacking three levels of financing on to each other and levels of financing on to each other and levels of financing on to each other and 100% financing the building. So, it 100% financing the building. So, it 100% financing the building. So, it doesn’t cash flow as nicely, but it’s um doesn’t cash flow as nicely, but it’s um doesn’t cash flow as nicely, but it’s um no money out of pocket. So, it keeps

[34:39] no money out of pocket. So, it keeps no money out of pocket. So, it keeps keeps the ability to keep buying um keeps the ability to keep buying um keeps the ability to keep buying um >> Yeah. >> Yeah. >> Yeah. >> there. >> there. >> there. >> And obviously, you’re a numbers person, >> And obviously, you’re a numbers person, >> And obviously, you’re a numbers person, so you’ve done the math about a so you’ve done the math about a so you’ve done the math about a penciling out. penciling out. penciling out. >> Yeah, that’s awesome. >> Yeah, that’s awesome. >> Yeah, that’s awesome. >> That’s awesome. Sarah, uh, you you’ve >> That’s awesome. Sarah, uh, you you’ve >> That’s awesome. Sarah, uh, you you’ve given us a lot already, but I was given us a lot already, but I was given us a lot already, but I was curious if you have some golden nuggets curious if you have some golden nuggets curious if you have some golden nuggets for our listeners.

[34:55] for our listeners. for our listeners. >> Yeah, definitely. Um, so I think >> Yeah, definitely. Um, so I think >> Yeah, definitely. Um, so I think imperfect action is better than perfect imperfect action is better than perfect imperfect action is better than perfect action is a quote that I’ve always action is a quote that I’ve always action is a quote that I’ve always liked. Um, you know, I think you just liked. Um, you know, I think you just liked. Um, you know, I think you just have to make moves based on what you have to make moves based on what you have to make moves based on what you know in a safe way. Um, you know, don’t know in a safe way. Um, you know, don’t know in a safe way. Um, you know, don’t be reckless about it, but like the story be reckless about it, but like the story be reckless about it, but like the story I shared about with the the single I shared about with the the single I shared about with the the single family when I was pregnant, had to family when I was pregnant, had to family when I was pregnant, had to pivot. um just doing something there

[35:18] pivot. um just doing something there pivot. um just doing something there versus doing nothing because life wasn’t versus doing nothing because life wasn’t versus doing nothing because life wasn’t perfectly lined up or wasn’t convenient. perfectly lined up or wasn’t convenient. perfectly lined up or wasn’t convenient. Um that’s a big one that I’m I’m Um that’s a big one that I’m I’m Um that’s a big one that I’m I’m constantly, you know, uh talking to my constantly, you know, uh talking to my constantly, you know, uh talking to my clients about because I think that’s the clients about because I think that’s the clients about because I think that’s the biggest thing that holds people back is biggest thing that holds people back is biggest thing that holds people back is waiting for that right moment, waiting waiting for that right moment, waiting waiting for that right moment, waiting for the kids to be grown or the finances for the kids to be grown or the finances for the kids to be grown or the finances to be perfect or whatever. And it’s I to be perfect or whatever. And it’s I to be perfect or whatever. And it’s I think you should just do what you can do

[35:39] think you should just do what you can do think you should just do what you can do now. As basic or simple as that is, now. As basic or simple as that is, now. As basic or simple as that is, >> I love it. Zig Ziggler has something >> I love it. Zig Ziggler has something >> I love it. Zig Ziggler has something along those lines, too. like um if you along those lines, too. like um if you along those lines, too. like um if you wait for all the lights to be green on wait for all the lights to be green on wait for all the lights to be green on your path, you’ll never get started or your path, you’ll never get started or your path, you’ll never get started or something something to that extent. Like something something to that extent. Like something something to that extent. Like if you’re driving to some destination, if you’re driving to some destination, if you’re driving to some destination, you know, if you’re waiting for all the you know, if you’re waiting for all the you know, if you’re waiting for all the lights to turn green before you start, lights to turn green before you start,

[35:54] lights to turn green before you start, like you’ll never leave. That’s awesome. like you’ll never leave. That’s awesome. like you’ll never leave. That’s awesome. I love it. I love it. I love it. >> Yep. Um another one is, you know, >> Yep. Um another one is, you know, >> Yep. Um another one is, you know, talking to other people about what talking to other people about what talking to other people about what you’re doing. Um some people get shy you’re doing. Um some people get shy you’re doing. Um some people get shy about it or or they don’t, you know, about it or or they don’t, you know, about it or or they don’t, you know, they feel like they’re bragging or they feel like they’re bragging or they feel like they’re bragging or they’re embarrassed about it. But um I they’re embarrassed about it. But um I they’re embarrassed about it. But um I found so many connections like the found so many connections like the found so many connections like the private money from just talking about private money from just talking about private money from just talking about what I’m doing. Um I feel like everybody

[36:17] what I’m doing. Um I feel like everybody what I’m doing. Um I feel like everybody like looks at real estate investors like like looks at real estate investors like like looks at real estate investors like they’re um a unicorn or like that they’re um a unicorn or like that they’re um a unicorn or like that they’re so cool and doing something that they’re so cool and doing something that they’re so cool and doing something that nobody else could ever do. So a lot of nobody else could ever do. So a lot of nobody else could ever do. So a lot of people like to just hear um hear those people like to just hear um hear those people like to just hear um hear those stories and then you never know what stories and then you never know what stories and then you never know what that’s going to turn into whether that’s that’s going to turn into whether that’s that’s going to turn into whether that’s um you know a new client um a private um you know a new client um a private um you know a new client um a private money person or just being able to help money person or just being able to help money person or just being able to help somebody look at the world differently

[36:37] somebody look at the world differently somebody look at the world differently and maybe improving their life in some and maybe improving their life in some and maybe improving their life in some way. Yeah, I love that. way. Yeah, I love that. way. Yeah, I love that. >> I love that. I know people talk about >> I love that. I know people talk about >> I love that. I know people talk about putting out on uh social media that uh putting out on uh social media that uh putting out on uh social media that uh you you know I’m looking to buy that you you know I’m looking to buy that you you know I’m looking to buy that kind of thing. That’s that’s something I kind of thing. That’s that’s something I kind of thing. That’s that’s something I haven’t done yet. Um but it’s you know haven’t done yet. Um but it’s you know haven’t done yet. Um but it’s you know that’s one form of that maybe where um that’s one form of that maybe where um that’s one form of that maybe where um you can definitely increase that you can definitely increase that you can definitely increase that exposure and tell people what you’re

[36:57] exposure and tell people what you’re exposure and tell people what you’re doing. But yeah, I love it. Do you have doing. But yeah, I love it. Do you have doing. But yeah, I love it. Do you have any others or are we going to uh the any others or are we going to uh the any others or are we going to uh the book? Uh book? Uh book? Uh >> they kind of lead into each other. Um so >> they kind of lead into each other. Um so >> they kind of lead into each other. Um so the last one would be kind of um well the last one would be kind of um well the last one would be kind of um well the book is the one thing um and then the book is the one thing um and then the book is the one thing um and then the the focus would be on that kind of the the focus would be on that kind of the the focus would be on that kind of that laser focus. I feel like whenever that laser focus. I feel like whenever that laser focus. I feel like whenever I’m distracted in my um my focus is I’m distracted in my um my focus is I’m distracted in my um my focus is distracted into too many different distracted into too many different

[37:21] distracted into too many different pockets. It’s very hard for me to pockets. It’s very hard for me to pockets. It’s very hard for me to perform at the level that I just perform at the level that I just perform at the level that I just described as far as the growth over the described as far as the growth over the described as far as the growth over the past, you know, number of years. Um, so past, you know, number of years. Um, so past, you know, number of years. Um, so I think when you’re trying to get I think when you’re trying to get I think when you’re trying to get started, whether it’s as an agent or as started, whether it’s as an agent or as started, whether it’s as an agent or as an investor or both, um, being solely an investor or both, um, being solely an investor or both, um, being solely focused on one thing at a time is going focused on one thing at a time is going focused on one thing at a time is going to lead to the biggest results. um to lead to the biggest results. um to lead to the biggest results. um whether that’s you know all in on Zillow whether that’s you know all in on Zillow

[37:45] whether that’s you know all in on Zillow leads and you’re making sure to pick up leads and you’re making sure to pick up leads and you’re making sure to pick up every single call and make sure you’re every single call and make sure you’re every single call and make sure you’re fully present in that conversation and fully present in that conversation and fully present in that conversation and you know really um kind of you know you know really um kind of you know you know really um kind of you know selling yourself with that or whether selling yourself with that or whether selling yourself with that or whether it’s investing and you need to be you it’s investing and you need to be you it’s investing and you need to be you know 100% focused or 95% focused on how know 100% focused or 95% focused on how know 100% focused or 95% focused on how do I get that next property and not be do I get that next property and not be do I get that next property and not be doing that plus learning how to I don’t doing that plus learning how to I don’t doing that plus learning how to I don’t know um do a new type of like exercise

[38:12] know um do a new type of like exercise know um do a new type of like exercise class or class or class or different hobbies like sourdough bread different hobbies like sourdough bread different hobbies like sourdough bread or you know like just doing all of these or you know like just doing all of these or you know like just doing all of these different kind of random things that are different kind of random things that are different kind of random things that are pulling your attention in so many pulling your attention in so many pulling your attention in so many different ways if you’re starting in a different ways if you’re starting in a different ways if you’re starting in a in something that has a pretty low uh in something that has a pretty low uh in something that has a pretty low uh rate of of success in the beginning or rate of of success in the beginning or rate of of success in the beginning or like a high ramp up um period if that like a high ramp up um period if that like a high ramp up um period if that makes sense.

[38:31] makes sense. makes sense. >> Yeah, totally. One of the things I’ve >> Yeah, totally. One of the things I’ve >> Yeah, totally. One of the things I’ve thought of often um if you’re like thought of often um if you’re like thought of often um if you’re like trying to be an agent but you also want trying to be an agent but you also want trying to be an agent but you also want to invest like you know kind of like to invest like you know kind of like to invest like you know kind of like your story is is you know house hacking your story is is you know house hacking your story is is you know house hacking is such a perfect way like I mean you is such a perfect way like I mean you is such a perfect way like I mean you got to live somewhere anyway right so if got to live somewhere anyway right so if got to live somewhere anyway right so if you can you can you can >> before you maybe jump out of your >> before you maybe jump out of your >> before you maybe jump out of your full-time job if you pick up a house full-time job if you pick up a house full-time job if you pick up a house that you can turn into a rental later

[38:48] that you can turn into a rental later that you can turn into a rental later and then you know just focus on uh and then you know just focus on uh and then you know just focus on uh getting your sales business going and getting your sales business going and getting your sales business going and then whenever you have some capital and then whenever you have some capital and then whenever you have some capital and you can borrow again then you know uh you can borrow again then you know uh you can borrow again then you know uh the next one keep it as a rental and the next one keep it as a rental and the next one keep it as a rental and it’s it’s not a a way that you’re going it’s it’s not a a way that you’re going it’s it’s not a a way that you’re going to have to spend a lot of time and to have to spend a lot of time and to have to spend a lot of time and energy focusing on the the investment energy focusing on the the investment energy focusing on the the investment side of things. Um but you know it does side of things. Um but you know it does side of things. Um but you know it does start building up the equity that you

[39:09] start building up the equity that you start building up the equity that you can tap into later like you talked about can tap into later like you talked about can tap into later like you talked about with some of the the properties how with some of the the properties how with some of the the properties how you’ve been able to leverage that. So um you’ve been able to leverage that. So um you’ve been able to leverage that. So um yeah that’s great. I mean I think it is yeah that’s great. I mean I think it is yeah that’s great. I mean I think it is true. I think if you want to like if if true. I think if you want to like if if true. I think if you want to like if if you want to be an agent like in the you want to be an agent like in the you want to be an agent like in the beginning it’s hard and you have to beginning it’s hard and you have to beginning it’s hard and you have to really try to be laser focused and really try to be laser focused and really try to be laser focused and really commit everything to it to to to really commit everything to it to to to really commit everything to it to to to get that wheel turning because it takes

[39:29] get that wheel turning because it takes get that wheel turning because it takes some time. some time. some time. >> Yeah. get the momentum going and then >> Yeah. get the momentum going and then >> Yeah. get the momentum going and then you can add in all the other things back you can add in all the other things back you can add in all the other things back again. But um that’s where I see a lot again. But um that’s where I see a lot again. But um that’s where I see a lot of agents kind of stall out or fail is of agents kind of stall out or fail is of agents kind of stall out or fail is when they’re trying to do so many things when they’re trying to do so many things when they’re trying to do so many things and being an agent is just like one and being an agent is just like one and being an agent is just like one little piece of all the things that little piece of all the things that little piece of all the things that they’re doing. Nothing wrong with that they’re doing. Nothing wrong with that they’re doing. Nothing wrong with that either. Some people, you know, they’re

[39:45] either. Some people, you know, they’re either. Some people, you know, they’re not trying to do crazy volume, but if not trying to do crazy volume, but if not trying to do crazy volume, but if you are you are you are >> Yeah. >> Yeah. >> Yeah. >> Yeah. I love it. Um and then is there a >> Yeah. I love it. Um and then is there a >> Yeah. I love it. Um and then is there a you mentioned social media? What what you mentioned social media? What what you mentioned social media? What what platforms are you on? What’s your platforms are you on? What’s your platforms are you on? What’s your handle? Is there any place that you want handle? Is there any place that you want handle? Is there any place that you want people to find you on?

[40:00] people to find you on? people to find you on? >> Yeah, so I’m on um Facebook and >> Yeah, so I’m on um Facebook and >> Yeah, so I’m on um Facebook and Instagram. Um both of them are Sarah Instagram. Um both of them are Sarah Instagram. Um both of them are Sarah Talks REI. So like Sarah Talks Real Talks REI. So like Sarah Talks Real Talks REI. So like Sarah Talks Real Estate Investing. Um and well, I have a Estate Investing. Um and well, I have a Estate Investing. Um and well, I have a business page as well, um which is Sarah business page as well, um which is Sarah business page as well, um which is Sarah Msuya, Msu Ya, Realtor. Um so two Msuya, Msu Ya, Realtor. Um so two Msuya, Msu Ya, Realtor. Um so two Facebook pages and the Instagram page.

[40:20] Facebook pages and the Instagram page. Facebook pages and the Instagram page. Um and the content’s honestly pretty Um and the content’s honestly pretty Um and the content’s honestly pretty similar on all of them, so whichever one similar on all of them, so whichever one similar on all of them, so whichever one you prefer. Well, Sarah, thanks so much you prefer. Well, Sarah, thanks so much you prefer. Well, Sarah, thanks so much for being on the show. It’s been a lot for being on the show. It’s been a lot for being on the show. It’s been a lot of fun talking to you. of fun talking to you. of fun talking to you. >> Absolutely. Thank you for having me. >> Absolutely. Thank you for having me.

[40:31] >> Absolutely. Thank you for having me. >> Thanks for listening to the REI Agent. >> Thanks for listening to the REI Agent. >> Thanks for listening to the REI Agent. >> If you enjoyed this episode, hit >> If you enjoyed this episode, hit >> If you enjoyed this episode, hit subscribe to catch new shows every week. subscribe to catch new shows every week. subscribe to catch new shows every week. >> Visit reiagent.com >> Visit reiagent.com >> Visit reiagent.com for more content. for more content. for more content. >> Until next time, keep building the life >> Until next time, keep building the life >> Until next time, keep building the life you want.

[40:42] you want. you want. >> All content in the show is not >> All content in the show is not >> All content in the show is not investment advice or mental health investment advice or mental health investment advice or mental health therapy. It is intended for therapy. It is intended for therapy. It is intended for entertainment purposes