WEBVTT 1 00:00:00.160 --> 00:00:04.480 Sonic Caast time as you girl Sogna was up and I got my guy Jay 2 00:00:04.559 --> 00:00:07.559 in here. Yes, yes, pronounce your last name for me again, 3 00:00:08.400 --> 00:00:11.320 Moran. I wanted to make sure I got it right because I always say 4 00:00:11.359 --> 00:00:16.199 Moran and I forget the N N N N and the extra am right from 5 00:00:16.320 --> 00:00:20.480 Viz Valley here in the city where you know the Bay Area obviously, and 6 00:00:20.760 --> 00:00:25.039 you know, somehow, some way created this empire, like I give it 7 00:00:25.039 --> 00:00:28.920 to him, and I know there's people surrounding him that have more, but 8 00:00:29.000 --> 00:00:35.280 he's working to that point, right, and his improperty investment strategy and the 9 00:00:35.320 --> 00:00:38.039 people that are surrounding him, which you know you then saying goes, you 10 00:00:38.039 --> 00:00:40.799 surround yourself with good people, you're gonna do good things. Gotta build that 11 00:00:40.840 --> 00:00:44.079 team, right. But he started on his own. And when I went 12 00:00:44.200 --> 00:00:49.560 to a recent like what would you call it, like just a showcase like 13 00:00:49.640 --> 00:00:52.359 a panel, it was. It was a it was a master of real 14 00:00:52.439 --> 00:00:56.280 estate mastermind meet up. Yeah. So I went to this thing and while 15 00:00:56.320 --> 00:01:00.159 everybody was talking, and everybody's story was different and unique as to how they 16 00:01:00.159 --> 00:01:03.799 got invested. They got involved in real estate investment, right. But Jay's 17 00:01:03.799 --> 00:01:07.079 story like as soon as he said he was from Vince Valley. I was 18 00:01:07.120 --> 00:01:10.879 like, that's my guy, right, that's my guy. But the story 19 00:01:10.959 --> 00:01:14.120 like you started doing it on your own though, with your own property first 20 00:01:14.439 --> 00:01:17.879 yep, yeah, dred percent. Yeah, so I got a property twenty 21 00:01:17.959 --> 00:01:21.519 fifteen, I bought my family's house. So like prior to this, I 22 00:01:21.519 --> 00:01:23.439 had went to the military. Oh no, yes, I went to the 23 00:01:23.480 --> 00:01:27.519 military. Did my thing. I was just going down the wrong path. 24 00:01:27.760 --> 00:01:30.040 I was. You know, I grew up in I know, the neighborhood, 25 00:01:30.079 --> 00:01:34.519 well Man Storry. So what happened to get arrested a couple of times? 26 00:01:34.560 --> 00:01:37.560 Man? Did? I did get arrested one time. I don't really 27 00:01:37.599 --> 00:01:41.000 share this as much, but you know we're here talking about it. Right. 28 00:01:41.079 --> 00:01:45.000 So I got in some trouble. I had got like my credit was 29 00:01:45.000 --> 00:01:48.719 shot. I couldn't drive because I couldn't. I had too many points like 30 00:01:48.799 --> 00:01:53.280 I was just doing too much, you know that that mind frame of you 31 00:01:53.319 --> 00:01:56.200 know, just like the hood and the turf and things like that. I 32 00:01:56.239 --> 00:01:57.760 was just out. I was outside all the time, so I couldn't I 33 00:01:57.760 --> 00:02:02.319 couldn't get I had to get insureurance. To get insurance. For me to 34 00:02:02.319 --> 00:02:07.000 get insured, I had it was like three grand to get insured. So 35 00:02:07.040 --> 00:02:09.879 I was like, Okay, that wasn't working. And then I got in 36 00:02:09.919 --> 00:02:15.439 trouble and then I was like going through this whole process, and then you 37 00:02:15.479 --> 00:02:20.360 know, I was just like I had like an epiphany. There's a couple 38 00:02:20.400 --> 00:02:23.280 of things that happened. But I started to see, like what was happening. 39 00:02:23.360 --> 00:02:27.360 Some of my friends were just starting to mess with some harder getting in 40 00:02:27.360 --> 00:02:30.879 too deep. Yeah, getting getting in too deep. And then my dad 41 00:02:30.280 --> 00:02:32.319 he was always telling me like, hey man, why don't you join the 42 00:02:32.319 --> 00:02:36.879 military because he was seeing what I was doing and I wasn't disciplined. Yeah, 43 00:02:36.879 --> 00:02:40.560 I wasn't doing much right. Yeah, And then you know, I 44 00:02:40.719 --> 00:02:44.400 was like okay, and then he just kept telling me about it, and 45 00:02:44.439 --> 00:02:46.400 then he was one day he was just like, you know, Jay, 46 00:02:46.759 --> 00:02:49.360 I don't want to die with tears in my eyes knowing my son didn't do 47 00:02:49.360 --> 00:02:52.840 anything with his life, right, So then that I'll do it. Yeah. 48 00:02:52.879 --> 00:02:54.280 So when he said that, I was like, and he kept telling 49 00:02:54.319 --> 00:02:57.439 me like joining the military. I was like, let me just try this. 50 00:02:57.599 --> 00:02:59.479 Try, let me try a couple of things. And what I was 51 00:02:59.520 --> 00:03:01.479 doing, I didn't really know what I was doing really yet, Like you 52 00:03:01.520 --> 00:03:06.639 know, I was just trying to figure it out. So I was, 53 00:03:06.840 --> 00:03:08.439 you know, I came to a point where like me and my homies were 54 00:03:08.439 --> 00:03:13.479 like really into the music heavy, right, We're doing music heavy, and 55 00:03:13.520 --> 00:03:16.319 we just had like a lot of internal conflicts. And then I was just 56 00:03:16.360 --> 00:03:20.039 like, you know what, I'm I'm out of here, Like I'm just 57 00:03:20.319 --> 00:03:23.960 I'm gonna do I don't want to deal with this. It's hard for me 58 00:03:23.000 --> 00:03:28.759 to get a job. I can't drive, so I'm like, it was 59 00:03:28.800 --> 00:03:31.120 just it wasn't working for me. So then I was like, I'm gonna 60 00:03:31.120 --> 00:03:34.639 just do what my dad asked me to do. And and you know, 61 00:03:35.120 --> 00:03:38.039 because I wanted him, I wanted to make him proud, like I didn't 62 00:03:38.080 --> 00:03:42.199 want him to feel like how we felt. We didn't really have a like 63 00:03:42.280 --> 00:03:45.960 a cohesive type of relationship, mainly because he was gone working, like he 64 00:03:46.080 --> 00:03:50.439 was out like like physically present. He wasn't there. And this was like 65 00:03:50.520 --> 00:03:53.879 pre FaceTime and all that stuff. So it'd be like he would just call 66 00:03:53.000 --> 00:03:55.479 a how you doing, blah blah blah, five minutes, all right, 67 00:03:55.520 --> 00:04:00.360 give the phone to your mom. So I didn't have from like nine to 68 00:04:01.280 --> 00:04:05.479 maybe like seventeen ish, he wasn't there physically, you know, so I 69 00:04:05.479 --> 00:04:10.039 didn't have that guidance. My brother had ran away, So I was just 70 00:04:10.120 --> 00:04:13.800 like, you know, street lights come on, be inside, Yeah, 71 00:04:13.840 --> 00:04:15.360 that kind of thing, right, you know, there's whatever is in the 72 00:04:15.360 --> 00:04:19.759 free refrigerator, throw it in the microwaves, don't open the door, right, 73 00:04:19.800 --> 00:04:23.079 So that's kind of how I grew up. But I would be outside 74 00:04:23.319 --> 00:04:27.839 right with everybody else. And then so yeah, so anyways, I ended 75 00:04:27.879 --> 00:04:30.519 up going to the military, and you know, that straightened me up in 76 00:04:30.560 --> 00:04:34.959 a lot of different ways. That was a whole like, that's a whole 77 00:04:35.000 --> 00:04:40.360 story all on its own. It was like some of the best times and 78 00:04:40.399 --> 00:04:42.439 some of the worst times in my life. But I got to travel. 79 00:04:42.600 --> 00:04:46.639 I met some really solid, solid people in during my time. It was 80 00:04:46.720 --> 00:04:49.839 right around wartime, so I was like, I'm gonna go, I'm gonna 81 00:04:49.839 --> 00:04:56.120 go do my thing and get out. And what happened was September eleventh happened. 82 00:04:56.240 --> 00:04:58.439 Oh wow, So they sent us out to the golf. We was 83 00:04:58.439 --> 00:05:02.839 out there for you and a half months. But yeah, my idea of 84 00:05:02.879 --> 00:05:05.879 the military was not what it was when I was in. It was just 85 00:05:06.000 --> 00:05:12.759 completely like they you know, they make it seem a lot nicer get in 86 00:05:12.800 --> 00:05:15.560 there. You imagine there's a lot of people, like from the hoods, 87 00:05:15.839 --> 00:05:18.959 from all over, from like Chicago, from New York, l A, 88 00:05:18.959 --> 00:05:25.199 a lot of gang by, a lot of gang activities happening. So you're 89 00:05:25.240 --> 00:05:29.040 like, wow, you're out there, folks cripping in blood and walsa. 90 00:05:29.399 --> 00:05:33.439 I'll serve in our country. Yeah, they would. We would hit ports 91 00:05:33.439 --> 00:05:36.360 and people would get outside and start banging on each other. It was crazy. 92 00:05:38.399 --> 00:05:42.120 Yep, it was crazy crazy. But yeah, so it's kind of 93 00:05:42.160 --> 00:05:44.839 like you got to stay on your toes. And I was getting a lot 94 00:05:44.839 --> 00:05:46.839 of I was getting a lot of flak because I'm from San Francisco and the 95 00:05:46.879 --> 00:05:51.240 stereotypical idea of San Francisco at the time. They would try to like you're 96 00:05:51.279 --> 00:05:56.040 gay. Yeah, yeah, where you're from San Francisco? Oh you know, 97 00:05:56.560 --> 00:05:59.839 and I'm like yeah, you know, like and then so I would 98 00:05:59.879 --> 00:06:03.079 like stand my ground, like, oh where you from Compton, Oh, 99 00:06:03.120 --> 00:06:06.639 Compton over all those you know, and yeah, what you're trying to say, 100 00:06:06.639 --> 00:06:09.800 And then it would be like that. So I had always had to 101 00:06:10.439 --> 00:06:15.199 you know what I mean myself, right, So so it was like that 102 00:06:15.279 --> 00:06:19.360 whole situation. Anyways, you know, like I got I got past that, 103 00:06:19.560 --> 00:06:26.000 got out, and then the transition from a military back to civilian was 104 00:06:26.000 --> 00:06:29.680 a whole that's the whole thing. Yeah, right, So like I felt 105 00:06:29.720 --> 00:06:32.519 like I'd have the support, the guidance. Like I remember the day I 106 00:06:32.560 --> 00:06:36.759 got separated, I stepped outside and I thought to myself, I don't know, 107 00:06:36.879 --> 00:06:39.920 I don't even know what to do. I don't even know how to 108 00:06:40.120 --> 00:06:42.079 I don't even know what to do right now. So then I just started 109 00:06:42.079 --> 00:06:46.399 getting like odd jobs and then just work my way up right, just you 110 00:06:46.439 --> 00:06:51.600 know, That's that's one thing that I think people from urban areas, right, 111 00:06:51.600 --> 00:06:55.959 if they can get it right, is there's this grind that you can't 112 00:06:56.079 --> 00:06:58.759 match. You know what I mean, if you focus and you want something, 113 00:06:58.759 --> 00:07:01.600 you're just gonna go after it. So that was just me, right 114 00:07:01.680 --> 00:07:08.000 and then figuring it out and then you know, yeah, to fast forward 115 00:07:08.040 --> 00:07:11.160 to where I'm at now, which is it's crazy, it's a blessing, 116 00:07:11.199 --> 00:07:14.720 you know, crazy successful d Yeah. But like when I talked to Jay, 117 00:07:14.759 --> 00:07:16.399 we met the first time because after when I met you at that panel 118 00:07:16.480 --> 00:07:20.519 discussion, you know, you see when you have like commonalities with someone, 119 00:07:20.680 --> 00:07:23.600 right, and I was like, we're going to vibe better cause he's going 120 00:07:23.639 --> 00:07:27.199 to understand where I'm kind of coming from and I'll understand him right. And 121 00:07:27.240 --> 00:07:30.279 the process. The other people were dope too. No diss to them. 122 00:07:30.399 --> 00:07:31.879 I mean, it's a great organization over there. They got going on was 123 00:07:31.959 --> 00:07:35.519 in but you know, we chopped it up. And then one day I 124 00:07:35.560 --> 00:07:38.199 hit him up. I was like, hey, can we go get lunch 125 00:07:38.199 --> 00:07:42.000 because I had questions, you know, about how he started with this property 126 00:07:42.040 --> 00:07:44.480 investment or whatever. And the first thing you told me to do was like, 127 00:07:44.519 --> 00:07:46.360 hey, you got a garage, flip that shit into an ADU. 128 00:07:46.920 --> 00:07:50.639 Because that's what I did. Yeah. Yeah, so you built it what 129 00:07:50.879 --> 00:07:56.920 was it two or no? Three below your home? Yeah, so it's 130 00:07:56.959 --> 00:08:00.480 three total. So what I did was I had a single family home and 131 00:08:00.519 --> 00:08:03.240 then I saved. Like this whole time, like I was trying to figure 132 00:08:03.240 --> 00:08:07.160 it out. And what was happening was like I had a property. The 133 00:08:07.240 --> 00:08:09.399 rates were coming down, and this was like I I was figuring it out. 134 00:08:09.639 --> 00:08:13.800 I didn't really I didn't know, you know, So like I started 135 00:08:13.800 --> 00:08:18.000 getting these letters rates were dropping refinancial house, and I was like, okay, 136 00:08:18.199 --> 00:08:20.160 I don't know what that what that meant. I just started calling all 137 00:08:20.160 --> 00:08:24.000 the letters, right, Okay, what does this mean? And that's when 138 00:08:24.040 --> 00:08:28.120 they're like, okay, what I know now is back then, what I 139 00:08:28.120 --> 00:08:33.960 was trying to figure out was like, the the balance of your mortgage and 140 00:08:33.000 --> 00:08:37.360 the value of your house, that's your equity. Right. So they were 141 00:08:37.399 --> 00:08:39.679 like, okay, since the rates are coming down your values at this you 142 00:08:39.679 --> 00:08:43.120 can pull cash out. Yeah, And I was like, okay, how 143 00:08:43.159 --> 00:08:46.960 much can I pull out if I leave my mortgage payments the same? They're 144 00:08:46.000 --> 00:08:48.840 like fifty grand. I was like, I'll take it. So then I 145 00:08:48.879 --> 00:08:54.360 took that fifty and then I the house needed a lot of work, right, 146 00:08:54.440 --> 00:08:58.039 So then I flipped. I upgraded the bathroom, put some recess lighting, 147 00:08:58.360 --> 00:09:01.120 you know, just kind of did some things like that and not really 148 00:09:01.159 --> 00:09:07.039 knowing that that was bringing the value up, right, So then I did 149 00:09:07.080 --> 00:09:11.399 that. I waited a while, the rates dropped again, pulled more equity 150 00:09:11.399 --> 00:09:16.240 out, and then I did the kitchen, and then that plus my savings, 151 00:09:16.759 --> 00:09:20.080 I flipped the downstairs in the two because there's a two story house. 152 00:09:20.200 --> 00:09:24.759 Yeah, I flipped the downstairs in the two studio units, okay, and 153 00:09:24.879 --> 00:09:26.440 I rented one out. I rented both of them out, and then that's 154 00:09:26.440 --> 00:09:31.679 when when it hit me like I just pulled cash out twice twice tax free, 155 00:09:31.840 --> 00:09:35.399 right, and now a mortgage free because I got two tenants in right 156 00:09:35.879 --> 00:09:41.759 mortgage. And then that's kind of where like things just started and he didn't 157 00:09:41.799 --> 00:09:43.919 increase his mortgage payment at all. So I think that's a worry with people. 158 00:09:43.960 --> 00:09:46.320 I mean, right now, you know, depending on where you're at, 159 00:09:46.320 --> 00:09:50.879 it probably would have to change because the rates have changed so much, 160 00:09:50.000 --> 00:09:54.159 even though they're on the down, you know, tick a little bit. 161 00:09:54.159 --> 00:09:58.120 But yeah, just a perfect time, dude. It was like a perfect 162 00:09:58.120 --> 00:10:01.399 storm for him to jump off. And let me show you the pictures. 163 00:10:01.399 --> 00:10:03.360 I'm gonna look for him because I know you sent them to me. Hold 164 00:10:03.360 --> 00:10:05.720 on, let me go to the thing. I just want you guys to 165 00:10:05.759 --> 00:10:09.720 see what he started with. Let me see if I can how that looked 166 00:10:09.759 --> 00:10:16.679 on the bottom, right, Yeah, and then what it turned into bathroom 167 00:10:16.919 --> 00:10:24.600 inside the studio there you go, kitchen and living space. Oh yeah, 168 00:10:24.200 --> 00:10:26.200 you know what I'm saying. And how much did this slip cost you? 169 00:10:26.919 --> 00:10:31.080 I put at both for both as one hundred. That was all my saving. 170 00:10:31.279 --> 00:10:33.120 Yeah, and I was like I didn't know if I was ever going 171 00:10:33.159 --> 00:10:37.240 to get it back right until you move people in there, right, you 172 00:10:37.240 --> 00:10:41.720 were like boom, putting in the work. Yeah, it was a proof 173 00:10:41.720 --> 00:10:45.519 of concept, and I was like, okay, there's something here. Let 174 00:10:45.519 --> 00:10:48.440 me let me continue to continue to figure this out because I know people are 175 00:10:48.440 --> 00:10:52.799 doing well with real estate. So that's kind of where it started to click 176 00:10:52.840 --> 00:10:56.279 and I got more intentional. Like all all that stuff that led up into 177 00:10:56.279 --> 00:11:00.440 that point, I was just kind of winging it, you know what I 178 00:11:00.519 --> 00:11:03.679 mean. And then you figured it out though, and you were confident in 179 00:11:03.720 --> 00:11:07.240 yourself yep, one hundred percent. There's a couple of things that happened in 180 00:11:07.240 --> 00:11:11.399 my life, and like one of them was when my mom passed away and 181 00:11:11.440 --> 00:11:13.600 I started to realize like, Okay, things are going to come to an 182 00:11:13.720 --> 00:11:18.879 end someday. Let me just do what I need to do to the best, 183 00:11:18.919 --> 00:11:22.799 like I can't feel like at that point, I had made up my 184 00:11:22.799 --> 00:11:24.399 mind. I got to figure out how I can do this with real estate. 185 00:11:24.600 --> 00:11:30.960 That was like a path for me. And I can't feel comfortable if 186 00:11:30.960 --> 00:11:33.000 I don't try my best, right, So I was like, okay, 187 00:11:35.039 --> 00:11:39.519 if if I if I fail, I'll be okay with that because I know 188 00:11:39.559 --> 00:11:43.440 I tried my best. But if I don't try it all, I can't. 189 00:11:43.440 --> 00:11:46.720 I won't be okay with that. So that's kind of how my mindset 190 00:11:46.759 --> 00:11:50.320 was at that time, just trying to figure it out. And then yeah, 191 00:11:50.360 --> 00:11:54.399 so that was it right there. And to be honest, like you 192 00:11:54.440 --> 00:11:58.240 know, transparent, I was scared as hell. Every move that I made, 193 00:11:58.320 --> 00:12:01.519 I was scared. That's what you take big steps, dude, there's 194 00:12:01.559 --> 00:12:05.000 a fear factor in there, because fear of failure is huge, especially when 195 00:12:05.000 --> 00:12:07.200 you're talking about putting so much money into it. Yeah. Yeah, that 196 00:12:07.320 --> 00:12:11.080 was like my life, my life savings at that time, and I didn't 197 00:12:11.080 --> 00:12:16.000 know if it was gonna work, but I know I knew at the time, 198 00:12:16.120 --> 00:12:20.639 like if I didn't do that, nothing would change for sure, Right, 199 00:12:20.720 --> 00:12:22.759 So that was kind of like my my fork in the road, like 200 00:12:22.840 --> 00:12:26.279 I could do nothing and nothing would change, or I could give this a 201 00:12:26.320 --> 00:12:31.960 stab and see how it goes right and then I'll be be being okay with 202 00:12:31.039 --> 00:12:35.519 the outcome whatever which way it went right. So that's kind of that was 203 00:12:35.559 --> 00:12:39.600 my start, and that was like one of the biggest pivotal moments of my 204 00:12:41.320 --> 00:12:43.320 career, now, you know what I mean. So because you looking at 205 00:12:43.360 --> 00:12:48.480 your family and your kids and you're like, brou am, I putting all 206 00:12:48.559 --> 00:12:52.759 this on the line, and I got them to watch after my mom's whatever, 207 00:12:52.279 --> 00:12:56.159 X, Y and Z. But you got to take that leap. 208 00:12:56.279 --> 00:12:58.919 And I think, you know, he started on by himself, but now 209 00:13:00.120 --> 00:13:03.840 like he's surrounded by people who do this, so it's crazy. And then 210 00:13:03.039 --> 00:13:07.519 I remember you telling me you had a life situation where shots rang out by 211 00:13:07.559 --> 00:13:09.879 your crib and you were like, Yo, we need to go get another 212 00:13:09.919 --> 00:13:15.879 house somewhere else. So then that property, not only bottom but top right 213 00:13:16.200 --> 00:13:20.919 became an investment property. And then you got another home right, And then 214 00:13:20.080 --> 00:13:22.399 I don't know if you're still in that one or not, but or you 215 00:13:22.480 --> 00:13:28.000 moved to another. Yeah. See, so owning property across the Bay Area, 216 00:13:28.080 --> 00:13:31.559 especially right now is crazy. And then shoot, you know, just 217 00:13:31.639 --> 00:13:33.559 recently, if what's your IG again, you want to tell people? Yeah, 218 00:13:33.600 --> 00:13:39.279 yeah, j Dot invests on IG. Yeah. So he just partnered 219 00:13:39.320 --> 00:13:41.840 with one of the people that I was talking about. Zen University is a 220 00:13:41.879 --> 00:13:46.799 program that teaches you how to do property investment with one of the owners of 221 00:13:46.840 --> 00:13:52.080 that And they just bought a big old apartment complex in Texas, right yep, 222 00:13:52.120 --> 00:13:56.879 Texas yup. Shoutouts to Zencoast University, Calvin, one of my partners. 223 00:13:58.159 --> 00:14:01.360 We just knocked down a one hundred fifty ye it in Garland, Texas. 224 00:14:01.600 --> 00:14:09.600 Yeah, breakout, the Breakout, the silverl War. Yeah. Yeah, 225 00:14:09.799 --> 00:14:13.159 crazy, Like it's crazy how this thing works, you know. Like 226 00:14:13.919 --> 00:14:18.840 yeah, So like after that whole situation, I was like, Okay, 227 00:14:18.879 --> 00:14:22.440 cool, a mortgage free. Let me try to figure this out. And 228 00:14:22.480 --> 00:14:24.000 by that time I was doing like I was just listening to a bunch of 229 00:14:24.039 --> 00:14:28.559 podcasts, audio books, everything I could just consume, you know what I 230 00:14:28.639 --> 00:14:37.320 mean to kind of accelerate my education knowledge. Right, And then COVID happened, 231 00:14:37.879 --> 00:14:39.600 right, But by this time, I was already positioning myself, like 232 00:14:39.639 --> 00:14:43.000 putting my money up, paying down debt, just preparing myself for the next 233 00:14:43.039 --> 00:14:48.519 move. And then COVID hit and that's when like a lot of buyers backed 234 00:14:48.559 --> 00:14:52.080 out, a lot of people were scared, and I kept hearing this quote 235 00:14:52.080 --> 00:14:56.480 in my head. It was a warm Buffett quote. When people are greedy, 236 00:14:56.519 --> 00:14:58.720 be fearful, and when people are fearful, be greedy. And that's 237 00:14:58.720 --> 00:15:01.960 when I was like, okay, everybody was backing out. I was like, 238 00:15:01.000 --> 00:15:05.279 this is the time in right, So then I was lined up and 239 00:15:05.320 --> 00:15:07.840 I was like, Okay, I need to find find a property. And 240 00:15:07.879 --> 00:15:11.200 then I was working with my relatory at the time, who's also uh who 241 00:15:11.480 --> 00:15:16.759 one of my mentors, Jenny from Zenkos. I was like, hey, 242 00:15:16.879 --> 00:15:20.559 what happened? What you were talking about signings? So like before that, 243 00:15:22.639 --> 00:15:28.879 I was uh. So we were at the house in Viz and it was 244 00:15:28.960 --> 00:15:31.879 like I had just finished reading a book to my son. Shout out to 245 00:15:31.960 --> 00:15:37.559 Jack, You're gonna hear this one day. Yeah. So I was reading 246 00:15:37.919 --> 00:15:43.000 a book to my son Jack and then uh, we fell asleep and then 247 00:15:43.080 --> 00:15:48.399 I woke up to gunshots right he was hood and then I was like, 248 00:15:48.759 --> 00:15:52.799 I sat up and I was like, damn, he was good. He 249 00:15:52.879 --> 00:15:54.519 was good. I went into the into the room, checked on my wife 250 00:15:54.519 --> 00:15:58.519 and my daughter. Y'all good, and I went I went outside and then 251 00:15:58.679 --> 00:16:03.519 I was like looking out the window to see what's happening. And then soon 252 00:16:03.559 --> 00:16:06.559 after the police came. I checked my cameras. They were at an angle 253 00:16:06.559 --> 00:16:08.720 where I couldn't catch it, but it was like right in front of my 254 00:16:08.799 --> 00:16:12.360 house, right, So then the shellcasings were all like it was a crime 255 00:16:12.360 --> 00:16:17.279 scene in front of my house. So all the shellcasings were underneath my wife's 256 00:16:17.279 --> 00:16:19.559 car, and then I was like yeah. I was like, you know 257 00:16:19.639 --> 00:16:23.440 what if one of these if one of these things flew through the window, 258 00:16:23.600 --> 00:16:29.679 I hit me or the kids, I would be sick. I don't know 259 00:16:29.720 --> 00:16:32.000 how I would be able to for I don't know how i'd be able to 260 00:16:32.039 --> 00:16:36.799 move on. Right. So I was like at that moment, I was 261 00:16:36.840 --> 00:16:40.559 like, the first opportunity, I'm out of here, right. I love 262 00:16:40.600 --> 00:16:42.159 the neighborhood that made me, you know what I mean, But at that 263 00:16:42.240 --> 00:16:45.879 point, it was like my family, my kid's safety because I had a 264 00:16:45.919 --> 00:16:48.960 lot of people coming over and hanging out. Right, if something happens, 265 00:16:49.039 --> 00:16:52.559 like I'm responsible. So I was like, okay, first opportunity, I'm 266 00:16:52.559 --> 00:16:55.720 out. And then that's when I hit Jenny. I was like, hey, 267 00:16:55.799 --> 00:16:57.159 I got to get out of here, right. I need to find 268 00:16:57.200 --> 00:17:02.159 something asap. And this was like right COVID time, so it's like perfect 269 00:17:02.159 --> 00:17:03.240 timing, right, A lot of people were buying. I don't know if 270 00:17:03.240 --> 00:17:07.400 that was like divine intervention or what was happening, but I was just I 271 00:17:07.440 --> 00:17:11.319 was ready to do whatever whatever it took to get out of there and just 272 00:17:11.359 --> 00:17:15.640 take my family somewhere else, right. So then that happened, and then 273 00:17:15.839 --> 00:17:18.119 yeah, I was just I was I was focused. I was like, 274 00:17:18.160 --> 00:17:19.680 okay, I need I need to get out of here. And then I 275 00:17:19.759 --> 00:17:25.640 just started taking those necessary steps to get to a better neighborhood. And then 276 00:17:25.640 --> 00:17:30.440 that's when we got a house in South San Francisco. Yeah right, right, 277 00:17:30.720 --> 00:17:37.880 So COVID happened like March twenty twenty March. I put in my offer, 278 00:17:37.000 --> 00:17:41.599 April you was on it. Yeah, out. I mean, you 279 00:17:41.640 --> 00:17:45.920 know, showcasings under. They were probably using her car as a shield probably. 280 00:17:45.119 --> 00:17:48.559 I'm surprised she didn't have any holes in her car, you know, 281 00:17:48.680 --> 00:17:52.039 because it just you know, firing back and forth in the hood. That's 282 00:17:52.039 --> 00:17:55.680 a daily occurrence. Yeah, that's enough to do it. Yeah yeah, 283 00:17:55.759 --> 00:17:57.519 I was just done, like can. A lot of people can't, so 284 00:17:57.559 --> 00:18:00.440 they're still there. Yeah that is. It's the mindset thing too. Right 285 00:18:00.559 --> 00:18:03.119 before before I had my wife and before I had the kids, I was 286 00:18:03.160 --> 00:18:07.440 like, I'm gonna stay here. We're good because it's just you Yeah, 287 00:18:07.599 --> 00:18:10.880 like you know, yeah, I'm good, you know. But then you 288 00:18:10.920 --> 00:18:15.079 know, when I started thinking about my seeds and just the people around me, 289 00:18:15.200 --> 00:18:18.440 I'm like, it's not really that safe. So I had to I 290 00:18:18.480 --> 00:18:21.640 had to move and then yeah, then I got my next one. I 291 00:18:21.720 --> 00:18:23.559 was scared for that every move, right, I got my next one that 292 00:18:23.640 --> 00:18:26.440 was like the most expensive property I bought at that time, like a million 293 00:18:26.480 --> 00:18:30.759 dollars. I was like, I don't know how I'm going to go and 294 00:18:30.799 --> 00:18:33.599 pay this comfortably. And then my kids tuition, like we were committed to 295 00:18:33.759 --> 00:18:37.640 like good educations right like before this, I was like, oh, they're 296 00:18:37.640 --> 00:18:41.200 just going to go the route that I took. And then my wife was 297 00:18:41.240 --> 00:18:47.799 like, aste, absolutely not. And then you know, so I started, 298 00:18:48.319 --> 00:18:49.319 you know, but I did see like when we put them in the 299 00:18:49.400 --> 00:18:53.880 daycare and these other types of higher education, I could see the development and 300 00:18:53.920 --> 00:18:57.079 I was like, Okay, I'm sold. And then so I was like, 301 00:18:57.079 --> 00:19:00.559 I don't know how I'm gonna do it with the kids tuition and now 302 00:19:00.599 --> 00:19:03.519 this new it was like fifty seven hundred bucks from mortgage at the time, 303 00:19:03.599 --> 00:19:07.279 I had a three point five percent rate. Yeah, I put almost everything 304 00:19:07.279 --> 00:19:10.680 I had, you know, and then that was so that was the second 305 00:19:10.759 --> 00:19:12.559 time came out of everything, you know, almost all my savings. And 306 00:19:12.559 --> 00:19:15.240 then I was like, I don't know how gonna get it back. Figure 307 00:19:15.279 --> 00:19:18.680 it out though, figure it out right, But my priority was get out 308 00:19:18.720 --> 00:19:22.480 of there. So that was that. So then it was like I had 309 00:19:22.519 --> 00:19:26.799 a three point five rate fifty seven hundred bucks that was not including utilities or 310 00:19:26.839 --> 00:19:32.440 any of that furniture. The house was needed, a bunch of work. 311 00:19:32.640 --> 00:19:38.200 Plumbing wasn't working, floors were missing, no electrical I had the I had 312 00:19:38.920 --> 00:19:42.440 contractors start working. I didn't have the money. And then the week after 313 00:19:42.599 --> 00:19:48.400 we closed, our car got stolen. Oh my god. It was all 314 00:19:48.440 --> 00:19:49.720 coming down. At the same time, I was like I was stressed out. 315 00:19:49.720 --> 00:19:56.799 I was working and I was like I was losing sleep. I was 316 00:19:56.839 --> 00:19:59.599 like I was stressed out because I was like, this payment's going to hit, 317 00:19:59.720 --> 00:20:03.880 Like I don't know how I'm gonna do it. And then my friend 318 00:20:03.400 --> 00:20:07.200 Jenny, who's doing this this, she was like, I'm gonna start this. 319 00:20:07.440 --> 00:20:10.599 I want to start this, this this real estate program, and I 320 00:20:10.599 --> 00:20:12.039 want you to be a part of it. And I was like, shit, 321 00:20:12.200 --> 00:20:15.079 you know, let's go. At the time, I was like, 322 00:20:15.200 --> 00:20:18.240 damn, my car just got stolen, Construction work started. I don't even 323 00:20:18.240 --> 00:20:23.079 have the funds for that right, mortgage hasn't hit yet, kids are going 324 00:20:23.079 --> 00:20:26.920 to school. I was I was like, let me let me think about 325 00:20:26.960 --> 00:20:29.680 it because it cost it some money, right, And I was like, 326 00:20:29.759 --> 00:20:32.359 let me think about it. And I took a week, and my thought 327 00:20:32.400 --> 00:20:37.920 process was like, Okay, if if I could go to all vacation Disneyland 328 00:20:37.960 --> 00:20:41.519 or Hawaii or something, spend a couple of thousand, no question. But 329 00:20:41.559 --> 00:20:45.839 when I when I want to invest in something for myself to educate myself and 330 00:20:45.880 --> 00:20:49.759 gain some knowledge and grow my network, why am I struggling? Why am 331 00:20:49.759 --> 00:20:52.440 I Why is it so hard for me to think right? And I was 332 00:20:52.480 --> 00:20:56.680 like, I'm at the end of that time, I was like, okay. 333 00:20:56.039 --> 00:21:00.440 My thought process was like, you know, all athletes have coaches and 334 00:21:00.519 --> 00:21:04.960 mentors. Even though they're at their peak, they still have people around them 335 00:21:06.279 --> 00:21:10.839 making them better. And I was like, how come I am not thinking 336 00:21:10.920 --> 00:21:12.720 like that. Why wouldn't I need a coach? I was like, okay, 337 00:21:14.359 --> 00:21:17.759 I'm a bet on myself. So I was like here, yeah, 338 00:21:18.039 --> 00:21:22.640 suck it. And then, and this is right around the time I started 339 00:21:22.680 --> 00:21:25.039 the journal, I was going, you know, I was like, I 340 00:21:25.079 --> 00:21:27.000 was trying to deal with my traumas. Yeah, you know what I mean. 341 00:21:27.160 --> 00:21:30.680 And this was right around the time when I'm like starting to open up 342 00:21:30.759 --> 00:21:36.240 and be okay with not being okay or like seeking help and not feeling like 343 00:21:36.279 --> 00:21:40.720 I'm crazy, you know. So I was like, let me start. 344 00:21:40.759 --> 00:21:42.519 And then some of the tools that I was getting from, you know, 345 00:21:42.640 --> 00:21:45.640 like some of the professionals I was talking about, I was like, start 346 00:21:45.720 --> 00:21:48.559 journaling because your mind. My mind was all over the place. I was 347 00:21:48.599 --> 00:21:52.319 not getting sleep because when I lay down, my mind wouldn't turn off. 348 00:21:52.319 --> 00:21:56.559 So they were like, try journaling. So twenty I think it was twenty 349 00:21:56.599 --> 00:22:03.880 twenty one is when that program started. I wrote in there a million dollars 350 00:22:03.920 --> 00:22:07.640 net worth, buy a non of state property, and buy a multifamily property, 351 00:22:07.880 --> 00:22:10.960 right, And I didn't know how it was going to hit any of 352 00:22:10.960 --> 00:22:17.200 those I just wrote it down because yeah. And then in six months that 353 00:22:17.240 --> 00:22:21.000 property of that bought. When I did the construction, it's the value shot 354 00:22:21.039 --> 00:22:25.039 up six hundred grand. So that took me over triple. Now, it 355 00:22:25.119 --> 00:22:27.480 took me over a one m right, And then I was like, okay, 356 00:22:27.519 --> 00:22:32.599 cool. Then I that was with that program, and I was like 357 00:22:33.039 --> 00:22:37.440 I'm going I'm in right, And then I was like just fuck connecting with 358 00:22:37.519 --> 00:22:42.000 everybody, learning as much as possible, applying myself, doing my research all 359 00:22:42.119 --> 00:22:45.160 you know, we'll be on a call. When I get off, I'm 360 00:22:45.240 --> 00:22:47.720 just grinding, you know, like trying to figure out, like okay, 361 00:22:47.960 --> 00:22:49.880 contact this person. I'm just moving because I need to get to where I 362 00:22:49.880 --> 00:22:55.640 need to be. And then I ended up buying a property in San Antonio, 363 00:22:55.839 --> 00:23:00.160 right, And then yeah, so it's funny how that worked, and 364 00:23:00.240 --> 00:23:03.880 this is the power of a network. Right. So, like I had 365 00:23:03.039 --> 00:23:11.599 met somebody at a retreat and then came back Sunday Monday, the bank calls 366 00:23:11.680 --> 00:23:15.359 me because we're supposed to close that Friday. The bank calls me and says, 367 00:23:15.400 --> 00:23:19.279 we can't lend you the funds for that house. So because it's uninhabitable 368 00:23:19.519 --> 00:23:23.640 or a praiser didn't want to didn't want to praise the property, didn't want 369 00:23:23.640 --> 00:23:26.359 to go in. I didn't want to go in. And there's tenants, 370 00:23:26.519 --> 00:23:30.000 I mean, there's people living there. Yeah, so I'm like okay. 371 00:23:30.359 --> 00:23:33.240 So I'm like, oh, you know, well he's not there, so 372 00:23:33.279 --> 00:23:36.799 he depends on this network of people that he uses another state to do all 373 00:23:36.839 --> 00:23:38.960 the work because he probably will walk in that thing, but he can't to 374 00:23:40.039 --> 00:23:42.480 praise it either. You have to have a license for that. So then 375 00:23:44.480 --> 00:23:47.640 I was like, damn. So I put it out to my network because 376 00:23:47.640 --> 00:23:49.519 I needed to figure out how to get some money for it. Yeah, 377 00:23:49.640 --> 00:23:52.279 so I put it out to my network in my community. I was like, 378 00:23:52.319 --> 00:23:56.359 hey, because I was either going to pay somebody to borrow money, 379 00:23:56.400 --> 00:24:00.119 but I'd rather pay somebody I know right or somebody in the family. And 380 00:24:00.160 --> 00:24:03.480 I was like, I got this opportunity ten percent return. You know, 381 00:24:03.559 --> 00:24:07.920 here's the numbers. Anybody interested. I got hit, jumped on a call 382 00:24:07.960 --> 00:24:11.240 Wednesday, agreed on some terms and some financeing, some financing terms, and 383 00:24:12.039 --> 00:24:18.039 Thursday signed a contract, sent throughout. The contract, came came back Friday 384 00:24:18.039 --> 00:24:21.720 morning, she wired me the funds to buy the house and to rehabit bo 385 00:24:22.160 --> 00:24:25.880 and then Friday that Friday, I wired it to escrow and closed. And 386 00:24:26.039 --> 00:24:29.079 that's just through relationships, right, So I wasn't even out of pocket on 387 00:24:29.119 --> 00:24:33.279 that. And then I got that property. It was a full gut rehab 388 00:24:33.880 --> 00:24:37.319 never been to San Antonio. Would you buy it for? I bought it 389 00:24:37.359 --> 00:24:41.359 for one six out of state property but it needed all the work though, 390 00:24:41.400 --> 00:24:48.519 And how much is it worth now? It's worth like yep. So yeah, 391 00:24:48.559 --> 00:24:52.319 so that was like my first out of state and then and then through 392 00:24:52.319 --> 00:24:56.640 my relationships there. There was a thirty six unit that popped up in Alabama 393 00:24:56.680 --> 00:24:59.279 and that was part of my goals that I wrote down all to unit and 394 00:24:59.319 --> 00:25:00.960 I was like, Okay, I want to get in because I want to 395 00:25:00.000 --> 00:25:04.400 understand how this works. So then I put my money up for that and 396 00:25:04.519 --> 00:25:08.839 boom, I was in and now now I had Like it just basically accelerated 397 00:25:08.839 --> 00:25:15.599 my my my goals and my knowledge right because I wanted to get to where 398 00:25:15.599 --> 00:25:17.599 I want to go. So that's just how I move, right, Like 399 00:25:18.119 --> 00:25:21.640 figure it out as much as possible and just and just go. I mean, 400 00:25:21.680 --> 00:25:22.559 you know, you got to look at the downside and the risk, 401 00:25:23.119 --> 00:25:27.720 but by you know, my knowledge right now is you know, I know 402 00:25:27.839 --> 00:25:32.279 solid. Yeah, it's solid, right. I Mean there's of course things 403 00:25:32.279 --> 00:25:34.359 I don't know, but you know, learn every day. You got to 404 00:25:34.359 --> 00:25:37.799 figure it out. Yeah, and things are going to pop up. That's 405 00:25:37.799 --> 00:25:40.799 one of the things they talked about at the panel, Like everybody had a 406 00:25:40.839 --> 00:25:42.839 story about, you know, their out of state properties because all of them 407 00:25:42.880 --> 00:25:47.680 own something out of state. It's just way cheaper, right, and you 408 00:25:47.680 --> 00:25:49.519 know, unfortunately a lot of these people in these areas they don't know that 409 00:25:49.599 --> 00:25:55.319 they can own so they rather just rent for whatever reason. And you're like, 410 00:25:55.359 --> 00:25:56.680 hey, check this out, so I know why I can own. 411 00:25:57.599 --> 00:26:00.880 Let me go out there and buy it up. You could rent for me. 412 00:26:00.160 --> 00:26:03.640 Okay, everybody's happy, right, but things will happen. The pipes 413 00:26:03.680 --> 00:26:07.640 will bust, the roof falls in, you know, whatever, something happened, 414 00:26:07.680 --> 00:26:11.160 and you're not there to handle it because it's you know, it's your 415 00:26:11.200 --> 00:26:14.720 property, it's your investment. But you build this network of people, just 416 00:26:14.759 --> 00:26:19.759 like he's talking about, your go to realtor realtor in Idaho or Texas or 417 00:26:19.799 --> 00:26:25.359 whatever, your property manager in Texas or wherever the case may be. And 418 00:26:25.400 --> 00:26:27.160 those people come to you and you guys figure it out as a group. 419 00:26:27.519 --> 00:26:30.200 But you just have to be able to build that and get with the right 420 00:26:30.240 --> 00:26:34.400 people. So yeah, yep. And then yeah, so I just kind 421 00:26:34.400 --> 00:26:38.359 of just you know, parlayed that and just kind of kept moving. So 422 00:26:40.400 --> 00:26:45.000 yeah, because Calvin and them owned how many doors a lot, like four 423 00:26:45.119 --> 00:26:48.920 hundred or more. Yeah, and doors has been you know, apartment doors 424 00:26:49.039 --> 00:26:55.680 whatever, home doors like, it's called doors a game and their goal his 425 00:26:55.720 --> 00:26:59.000 wife wants to own a spall and I think they're doing that, huh, 426 00:26:59.119 --> 00:27:02.799 didn't I just see some I'm about. Yeah, a wellness center. Well 427 00:27:02.839 --> 00:27:07.000 they went to a retreat. So that property in Hawaii is uh it's called 428 00:27:07.000 --> 00:27:11.400 Lotus Rising. But a couple of the folks in the community, you know, 429 00:27:11.519 --> 00:27:15.720 came together bought a property in Hawaii, turned it into a wellness center 430 00:27:15.720 --> 00:27:18.960 and we were just out there like two weeks ago. Yeah. It was 431 00:27:18.000 --> 00:27:22.000 like a lot of like inner work, inner healing that you know, shout 432 00:27:22.000 --> 00:27:25.559 out to Michelle and m d those are my people's Yeah, you know, 433 00:27:25.599 --> 00:27:27.680 they're they're about like healing, you know, all the stuff that we don't 434 00:27:27.720 --> 00:27:30.920 talk about, like the mental health and all that stuff. The trauma wasn't 435 00:27:30.920 --> 00:27:34.440 getting past that. So we went out there did some sound bowl healing, 436 00:27:34.640 --> 00:27:37.000 like a lot of deep work, and it was good. You know, 437 00:27:37.039 --> 00:27:41.160 it was a good experience. Like sometimes you just we're so busy with the 438 00:27:41.200 --> 00:27:45.839 grind every day every day, not stop. Sometimes it's good to disconnect and 439 00:27:45.920 --> 00:27:48.440 just kind of feed nourish yourself. Right you come back and say, okay, 440 00:27:48.519 --> 00:27:52.799 let me refocus and get after that back to it. Yeah, yeah, 441 00:27:52.880 --> 00:27:56.039 because I think they had they want to own their own island and they're 442 00:27:56.079 --> 00:27:59.599 on their way though, because like you know, when one of them and 443 00:27:59.680 --> 00:28:02.200 it's great to have a partnership like that. You know, husband and wife 444 00:28:02.240 --> 00:28:04.200 obviously ideal. You know, whatever part whoever you partner with it, he's 445 00:28:04.200 --> 00:28:10.799 a part of their organization as well. I remember Calvin saying, you want 446 00:28:10.799 --> 00:28:12.799 that island or not, or you want that wellness center or not. You'd 447 00:28:12.839 --> 00:28:15.359 be like, you're right, let me get on the phone, let me 448 00:28:15.359 --> 00:28:18.279 get on the computer or whatever, because you're pushing each other for this goal 449 00:28:18.319 --> 00:28:22.160 and at one point you'll be able to just sit and chill. Your kids 450 00:28:22.200 --> 00:28:25.680 will be good. Your kids kids will be good. But you just again 451 00:28:25.839 --> 00:28:30.000 to his point about being scared. That's how you know you're doing something right 452 00:28:30.559 --> 00:28:34.160 that probably is gonna level you up. Yeah, there's gonna be failure sometimes 453 00:28:34.200 --> 00:28:37.799 depending Like again, if you don't have the network and you try to do 454 00:28:37.839 --> 00:28:41.920 it by yourself, you don't have like honest people around you, possibility is 455 00:28:41.960 --> 00:28:42.759 there. But you got to make sure all those ducks in are in a 456 00:28:42.839 --> 00:28:48.279 row before you move. And you're still gonna be scared. But you either 457 00:28:48.319 --> 00:28:53.000 be scared and you level up, or you be cool and chilling and whatever 458 00:28:53.079 --> 00:28:59.400 hanging out and you stay stuck in the same spot. Everybody wants that dream. 459 00:28:59.680 --> 00:29:02.880 Everybody wants to own property. There's people that just want to even buy 460 00:29:02.880 --> 00:29:06.000 their first home right now. And believe me in this real estate stuff that 461 00:29:06.039 --> 00:29:08.680 I do now, Like I have conversations I'm scared, I'm scared. I 462 00:29:08.720 --> 00:29:11.920 was like, I know you're scared, but you're also paying thirty three hundred 463 00:29:11.920 --> 00:29:17.640 dollars in rent. You're paying somebody else's mortgage right now. They were scared 464 00:29:17.680 --> 00:29:21.039 when they bought that house. You'll be scared when you buy your house, 465 00:29:21.279 --> 00:29:23.680 but you'll feel so much better when you're on the other side of that rainbow 466 00:29:25.160 --> 00:29:27.799 and you're just like, damn, I did that shit, period, because 467 00:29:27.839 --> 00:29:33.720 we can all I feel like it's crippling when we find ourselves running into complacency, 468 00:29:33.039 --> 00:29:36.599 and it's an easy way for us to sit there and say, yay, 469 00:29:36.640 --> 00:29:38.359 I'm swimming. You don't see me swimming. All you doing is tread 470 00:29:38.400 --> 00:29:41.319 and water fool. You ain't going nowhere, And we get stuck so much 471 00:29:41.400 --> 00:29:45.720 in that day to day grind where it goes right over our heads seeing like, 472 00:29:45.720 --> 00:29:48.359 hey, bruh, you know you have all the tools to swim, 473 00:29:48.440 --> 00:29:51.880 right Why are you just sitting here treading? Why don't you get to moving? 474 00:29:52.119 --> 00:29:55.400 You know, and I think a lot of times stories like yours, 475 00:29:55.680 --> 00:29:57.880 coming from where you came from, you know, having the opportunities and the 476 00:29:57.920 --> 00:30:02.720 difficulties that you have while doing it, that honestly can give a lot of 477 00:30:02.720 --> 00:30:06.640 people some insight and also some motivation so that they can start swimming. Bro, 478 00:30:06.880 --> 00:30:10.400 you got me ready to start trying to get my damn for you know 479 00:30:10.440 --> 00:30:11.799 what, let me let me make a deposit on my uptel code character. 480 00:30:14.599 --> 00:30:17.880 There's so much more we could talk about because he was putting me onto helocks 481 00:30:17.920 --> 00:30:19.839 and all kinds of other things that he has so much knowledge about. But 482 00:30:19.880 --> 00:30:23.240 also Zen University has all that information too, so you just got to look 483 00:30:23.279 --> 00:30:27.759 into it. Follow them all on ig and follow the success stories, dude, 484 00:30:27.799 --> 00:30:30.279 and when you get interested to the point I mean DM my guy, 485 00:30:30.359 --> 00:30:33.359 Jay's a good dude. So you know, if you want to, you 486 00:30:33.359 --> 00:30:37.039 know, communicate with him, he's probably open to a short conversation because you're 487 00:30:37.079 --> 00:30:41.640 so busy, like you're crazy every day. So it's like, you know, 488 00:30:41.240 --> 00:30:45.720 yeah, there's game to be learned and there's a process to it, 489 00:30:45.799 --> 00:30:48.160 and there's people available to you. But if you don't ask questions, you're 490 00:30:48.160 --> 00:30:53.359 gonna sit there paying somebody else's mortgage, or still just paying your mortgage on 491 00:30:53.400 --> 00:30:57.160 your home when you probably have a shit ton of equity that you're sitting on. 492 00:30:57.519 --> 00:31:00.680 Maybe the interest rates aren't right for a move right now, but they 493 00:31:00.720 --> 00:31:03.960 will be again at some point, and that's going to be the time that 494 00:31:04.039 --> 00:31:07.599 you need to move. And that's the exact trifecta that happened to him when 495 00:31:07.599 --> 00:31:11.599 he jumped off this whole journey. So you just have to be ready for 496 00:31:11.640 --> 00:31:15.319 it, and your mind has to be ready for it so you can just 497 00:31:15.440 --> 00:31:19.160 jump period. And the basis of it is started making those preparations now, 498 00:31:19.920 --> 00:31:23.440 not when the not when those numbers finally drop, and then trying to scramble 499 00:31:23.480 --> 00:31:26.880 to do it and be like, oh should I do it? Should I 500 00:31:26.920 --> 00:31:30.079 not do it? You should do it, right, I mean, you 501 00:31:30.119 --> 00:31:32.960 know, just if it's right for you. But you got to figure that 502 00:31:33.000 --> 00:31:36.279 out now. Hopefully you have some support too. But yeah, man, 503 00:31:36.359 --> 00:31:37.640 Jay, I don't know. You want to tell people anything else before we 504 00:31:37.680 --> 00:31:41.839 get out of here? Yeah? Yeah, follow me on I g J 505 00:31:42.079 --> 00:31:48.799 dot invest I am a coach, a real estate coach with Zencoachuniversity dot com. 506 00:31:48.000 --> 00:31:52.839 Yeah, and we just want to uplift everybody you know. And one 507 00:31:52.839 --> 00:31:55.880 thing too, is that a couple a couple of things. Right, If 508 00:31:55.960 --> 00:32:00.319 if you focus on your goals and you you know, you're intentional with how 509 00:32:00.359 --> 00:32:04.960 you spend your time, as long as you're one percent better you know, 510 00:32:05.039 --> 00:32:08.160 today than you were yesterday, you know that's progress. Right, So you 511 00:32:08.200 --> 00:32:14.039 know, have some grace on yourself and you know, just kind of you 512 00:32:14.160 --> 00:32:17.039 just got to surround yourself with the right people right that inspire you, and 513 00:32:17.240 --> 00:32:22.920 you got to take take chances to ask questions. Right. The answer is 514 00:32:22.960 --> 00:32:25.319 always going to be no for a question you don't ask, very true. 515 00:32:25.519 --> 00:32:29.240 I was trying to look up because I know Jen had a seminar but it 516 00:32:29.279 --> 00:32:32.559 was yesterday. Yeah, for home buying, which jope. But they have 517 00:32:32.640 --> 00:32:36.720 it all the time. So if you follow Zincas University too on IG you'll 518 00:32:36.759 --> 00:32:38.880 see that they have people just like you know, Jay, that are over 519 00:32:38.920 --> 00:32:45.400 there talking about your options and basically encouraging you. Because that's all it takes. 520 00:32:45.079 --> 00:32:49.240 People don't even know what they're sitting on right now and they just need 521 00:32:49.319 --> 00:32:53.279 to be encouraged to move forward. That's it. So find the confidence, 522 00:32:53.480 --> 00:32:57.079 you know, and make a move. I'm trying to make the move. 523 00:32:57.359 --> 00:33:00.440 He's got me looking at how I can flip my garage into the A d 524 00:33:00.599 --> 00:33:02.640 U. I'm like, damn, I just put panels fixed the roof. 525 00:33:02.720 --> 00:33:06.119 Like shit, I'm gonna have to pull some money out of the house. 526 00:33:06.319 --> 00:33:08.440 So when that time comes and those rates flip because I got a low rate, 527 00:33:08.599 --> 00:33:10.480 yeah, I'm gonna figure it out. We're gonna make a move. 528 00:33:10.880 --> 00:33:15.119 Yep. Yeah. So I mean, like if you right now with the 529 00:33:15.200 --> 00:33:21.720 rates dropping or they're supposed to move a little bit, right, there's people 530 00:33:21.759 --> 00:33:24.119 that are waiting right so sure, so if you wait, if you wait 531 00:33:24.160 --> 00:33:29.240 for the rates to drop, you just got more competition right here if you 532 00:33:29.319 --> 00:33:32.119 if you buy, if you're in a position or work towards buying right now 533 00:33:32.400 --> 00:33:37.759 or sooner, you know, you could always refin the rates down the line, 534 00:33:38.079 --> 00:33:42.880 but you have a property less competition, right So there's a cycle. 535 00:33:43.000 --> 00:33:45.599 You just got to figure out what part of the cycle we're at. And 536 00:33:45.640 --> 00:33:49.119 then I think it's always a good time to buy. It always is. 537 00:33:49.240 --> 00:33:52.039 I mean, the when the rates dip, the property value goes up. 538 00:33:52.160 --> 00:33:54.440 So either way you're gonna pay. But with going in now, you can 539 00:33:54.440 --> 00:34:00.559 refinance and then you'll pay us. Whereas you know they'll get you two hundred 540 00:34:00.599 --> 00:34:02.880 k more when the rates go back down down, because they'll be like, 541 00:34:02.880 --> 00:34:05.839 oh, check this out. Yeah, the rates are lower, but this 542 00:34:05.920 --> 00:34:08.039 house costs two hundred grand more than it did when you were first looking at 543 00:34:08.039 --> 00:34:13.119 it. So you just have to again get the confidence to make a move. 544 00:34:13.519 --> 00:34:16.239 That's it. So thank y'all for listening to the sonocast. Thank you 545 00:34:16.320 --> 00:34:21.000 Jay for sliding through and trying to put some game out there for the people. 546 00:34:21.119 --> 00:34:23.079 Make sure you lock in with your folks every day Monday through Friday, 547 00:34:23.119 --> 00:34:25.719 six to ten am. Over there, one oh six point one cameal every 548 00:34:25.760 --> 00:34:30.119 day to wait, hey, stay locked in, shut off the VIZ Valley 549 00:34:30.239 --> 00:34:32.760 Zone Sonic Cast. Well, how