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You're listening to Carrie Letts's Financial Survival
Network, where you get valuable information you

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just can't find anywhere else to thrive
in today's trying times. You need the

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Financial Survival Network now more than ever. Go to Financial Survival Network dot com

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and get your free newsletter in gift
Financial Survival Network now more than ever,

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and welcome. This is Financial Survival
Network. I'm your host, Carrie Letts.

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Well, a lot of people have
written a lot of books about how

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to become wealthy, how to make
wealth, but you're about to hear about

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one right now. It was rated
as one of the top ten personal finance

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books or twenty twenty two by the
distinguished The Bank Rate, which is an

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interesting site you should take a look
at when you have a chance. Number

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one Amazon best selling off her Harley
Holli more Fhew is with us now and

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Ali. So Simple Wealth kind of
sums it up. What is simple wealth

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and how do I get some?
Yeah? Well, Simple Wealth is is

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a book about how to reach early
financial independence while creating personal wealth along the

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way. So you know, my
own experience with wealth buildings started in my

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twenties where I was a high earner
and I realized I was living paycheck to

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paycheck, and I had a lot
of debt, and I was kind of

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doing mental accounting at the time.
And we had three back to back snowstorms

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in Colorado where I live, and
at the time, I drove a Honda

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Chord and my office was forty miles
from my house, and and I realized

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if I went to work that day
that I'd be risking my life. And

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so I thought, through, you
know, what am I doing, Like

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what am I doing in life?
I'm going to risk my life to go

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to a job so that I can
pay my bill. And in the back

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of my mind, I'm thinking,
I know, I have a lot of

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credit card debt. There's always more
month than money. And I just had

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this anxiety. It was really like
I had financial anxiety, even though I

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come from a family where we talked
about money at the dinner table. My

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dad's an entrepreneur, my grandfather was
an entrepreneur. My mom's a real estate

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investor, her parents were real estate
investors, and so I understood money from

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a young age. But nonetheless I
found myself living in this, you know,

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sort of state of just financial anxiety
and not really knowing what to do,

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and so I did make it to
work that day, made it home

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safe and sound, got out my
credit card statements, looked at my balances

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for the first time in a very
long time, and realized I had sixty

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seven thousand dollars of credit card debt. Okay, So next day, call

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my financial advisor, explained the situation, and then the first question he asked

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me, how much more money do
you want to invest? And this was

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my AHA moment. Carry this is
where this is when I realized that there

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was a big gap between what a
financial advisor he was helping me doing,

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which is invest money that I already
had, and what I really needed help

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with, which is which was to
create more money to invest and to get

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to a point in life where I
had more freedom in choices where I wasn't

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working sixteen seventy hours a week and
one day work could be a choice for

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me, like I could see the
end of the tunnel. And so that's

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where it began. You know,
I just created a system. I applied

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it to my personal finances. Three
years later, totally debt free, kept

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on going money in the bank,
became financially independent in my thirties, and

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today I have eleven streams of income, and that's what I'd do. I'm

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a financial coach. I help other
people reach early financial independence and just get

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their money sorted so they feel awesome
when they think about money. Yeah,

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well that's that's a noteworthy accomplishment.
So how did you do it? Obviously

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you had an epiphany that it wasn't
worth the forty mile drive through hazard is

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terrain just so you could make your
credit card payment, right, Yeah,

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yeah, I mean it started with
okay, let's actually look at the numbers.

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You know, what's my cash flow, what do I have coming in,

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what do I have going out?
And what do I have left over

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to put to its highed and best
use. So I call that awareness.

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You know, I always say awareness
is the seed of transformation. So if

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you don't like where you are,
let's look at where you are right now,

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without any judgment, and let's just
get some information. And for me,

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it was like, okay, I'm
pretty much paycheck to paycheck, but

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I've got maybe one hundred bucks to
do something with. How can I increase

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I call it your impact number?
How can I increase my monthly impact numbers?

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So I've gotten more money to play
with. So that was the first

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thing I did, and for a
couple of years it was about you know,

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eliminating expenses that I didn't really need
or reducing expenses. But then I

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realized, you know, I can
get to financial independence a lot faster if

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I increase my income. So I
created my first additional stream of income.

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In two thousand and five. I
was, you know, working my full

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time job, but I added I
realized that I was watching about five hours

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a week of TV, and I
thought, okay, well what if I

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replace this was something that was income
producing? So I like to think about

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income producing activity. So I got
connected with a company that I really liked

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and started sharing the products of this
company and making an extra three to five

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hundred bucks a month. And that
was great. But then the recession happened

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and I lost my job. That
was in two thousand and nine. So

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here I am, you know,
back to square one. I fell back

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on that part time income at the
time, Thank god, I had some

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kind of income coming in. I
increased that income and then I just started

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thinking about what are some other things
that I can do with my extra money.

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Eventually got another full time job,
and that's when I got really serious

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about investing in real estate, and
that was my first big investment, and

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that's been really one of the keys
to my financial success has been investing real

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estate, cash flowing real estate,
not fix and flips, not buy and

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hoole, but cash flowing properties.
What kind of properties you look for,

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Holly, Well, I've got single
family properties, so you know, monthly

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rent exceeds monthly expenses. And right
now, the even with the current state

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of the real estate markets around the
country and higher rates, can you still

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find these properties you're looking to add
them to your portfolio. Well, at

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this point, I'm I'm just hanging
onto the assets that I have, and

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I'm more interested in creating, like
scaling business. So my company is called

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Financial Impacts. So just like I
have multiple streams of income and my personal

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finances, my focus is really and
my energy and my excitement is really about

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creating businesses that also have multiple revenue
streams within them. So I'm not actively

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buying properties anymore. Plus, I
live in Colorado, which is a pretty

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expensive real estate market to begin with. So I have the properties that I

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have, I'm very happy with them. I take really good care of them.

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I also managed them myself. That's
not for everyone, but that's something

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that I've chosen to too. Tennants
and toilets, preach my friend, But

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that's the thing. Yes, Yeah, So you buy properties local or you

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agnostic as far as location goes.
What do you look for in a property?

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I look for properties that are in
areas where there are jobs. So

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we're talking you know, universities,
hospitals, close to a metro area,

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and generally a property that's got at
least three bedrooms, two bathrooms, one

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that's you know, easy to turn. One of my properties actually is a

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short term rental and I've been doing
that for about four years and that's been

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really interesting. It's it's very high
touch. It's a lot of work.

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You know, people ask me all
the time, you know, should I

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invest in a property for short term
rental? And it's like, you know,

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if you've got a great team,
a great cleaner, and you know

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you want to interface with people constantly, yes, But if you're trying to

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be a silent real estate investor,
that's not that's not the right path.

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Yeah. The cleaning up is the
weakest link in short term rentals from everyone

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I've heard from. I've got a
friend here in Florida. I've been like

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Port Saint Lucy in that area and
tried to find numerous cleaning people. Pays

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them double what they can make cleaning
houses, right, but they have to

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do it, you know, every
two three days, a deep clean because

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you can't have any crud in your
short term rental because people expect it to

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be like a hotel room, right, and they're paying for it. And

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that is the hardest thing to fight. How do you incentivize somebody to be

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a decent cleaner and to be thorough. I haven't heard a good answer to

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network, the information you need to
drop now more than ever. I call

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it paying the fat tax. So
if I want to have a great result,

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then I'd have to be willing to
pay for it. Okay, so

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you've got to Yeah, I totally
get what you're saying there. And as

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you can find that person, well, if you're making more money cleaning places

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for you, then they could be
in the open market to doing an office

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job or whatever. Maybe that's the
way to go. So you like a

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long term do you like for a
short term vacation rental market? Obviously Colorado

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you've got ski season in the winter
and you've got the outdoor sport activities in

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the summer, so it's more of
a year round kind of thing. Can't

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do that everywhere now, I think
that's really key, and thank you for

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bringing that up and for anyone who's
listening who has an interest in this.

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You know, for a year round
short term rental to have consistent months,

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and you have to remember this as
a seasonal business. You know, real

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estate a sort of seasonal anyway,
if it's short term or medium term.

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But you do need to be in
an area where people are actively traveling into

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for various reasons. You know,
my house happens to be in a town

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that's just outside of Boulder, Colorado, which you know, it's not a

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town that anyone's going to say,
hey, I'm going to go visit this

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town, but because it's so close
to Boulder, in Denver and Fort Collins,

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and it has easy access to the
mountains, and you know, there's

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tons of weddings that are happening and
lots of races that come into town,

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so you know, the place does
stay booked. But this year, actually

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in twenty twenty two, has been
the slowest short term rental market that I've

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experienced since twenty eighteens. It's been
going on five years that I've been doing

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short term rentals. Yes, that's
economic related here it so twenty twenty two

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was the best year yet with this
one short term rental rolled into twenty twenty

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three and just crickets and I have
a lot of friends and my family's also

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in the real estate business, both
short term and long term rentals, and

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that's been the consensus across the board
is that most people short term rentals bookings

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have dropped in twenty twenty three.
And I have to ask myself did this

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have something to do with the massive
amount of money that hit the market last

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year in the form of EIDL loans
etc. To you know, get people

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through the pandemic, And now that
stuff is drying up, student loans are

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coming back. There's just there's a
lot of I think trickling down from the

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pandemic that still hap and still impacted
people's personal finances, which impacts their ability

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to travel and spend on travel.
Hey, a very close friend of the

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show is a bought a large property
in Canada near the oil field where there's

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shortage of worker housing and rehabbed it. An amazing job on it and just

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about ready to start cash flowing.
In that case, it's a highly specialized

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thing. It's a year round market. You know, these oil workers come

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in, they're on a on for
four weeks, off for two weeks,

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or crazy schedules like that. So
in that case, different types. So

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there's a lot of ways to cash
in on the short term rental phrase Airbnb,

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the RBO, obvious obvious ones,
but even more so, there are

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these little niche markets here that maybe
you never thought of. For sure.

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You know, traveling nurses are always
looking for months to months or three months,

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you know, rentals, and that
could be really beneficial for someone who

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you know. The downside and my
experience of being a long term rental property

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manager is that you know, people
get into the property and a lot of

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times because I don't have eyes on
it because let's say it's a year lease

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or two year lease, by the
time I get in there, there's stuff

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that that I didn't know that had, you know, maybe there was a

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slow water leak or something that I
just didn't get to look at to repair.

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And so what I like about short
term rentals that I get to see

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the property every time someone checks out, and if a repair needed, I

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can do that. So the property
does stay in better condition, but it

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is a lot more maintenance in time. Okay, so we talked about real

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estate, what other avenues to building
wealth cash fload. Do you see out

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there that you think are the trend
is a favor? Yeah, I mean

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I think for anyone who's looking to
create personal wealth, it does come down

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to two things. It's it's positive
cash flow and positive net worth. And

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I feel like positive cash flow is
where the game begins. So, you

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know, if you can create just
another stream of income to maybe make the

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car payment like it was for me, or to support the mortgage every month,

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and whether that's MLM, multi level
marketing or direct sales, that's a

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plug in play system. There are
a lot of great companies out there.

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That was my first additional stream of
income. Again is what works for me,

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what I like to spend my time, energy, resources doing is not

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going to be the same thing for
everyone else. And so when I'm working

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with client as a financial coach,
my first question is, you know,

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what's your definition of financial success?
What are your core values? What do

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you want to spend your time doing? Because some people want to be out

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there hustling, and a lot of
people don't. They want to come home,

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put their feet up, play with
their kids, whatever, And you

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know, then we're looking at a
different you know, monthly cash flow.

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Maybe that's dividend stock investing. And
of course I'm not an accredit I'm not

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a financial advisor, so I'm I'm
sort of prohibited with my accreditation, which

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i'm an accredited financial counselor from telling
people where to put their money in the

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market. I'm not the person that's
going to help build portfolios. But definitely

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when I'm looking at my different streams
of income. And that was how when

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I was in my twenties and my
financial advisors asking me, well, how

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much more money do you want to
invest? It's like, well, what

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if I save my financial independence number, which is over three million dollars,

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because that's just the kind of lifestyle
I like to live. You know,

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we all like a different kind of
lifestyle. But if I want to save

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that and I get to age,
say sixty seven, and I'm ready to

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quit working at that point, we
have another recession of two thousand and eight

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or pandemic and my three mill goes
down to two, well, I'm not

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going to be very happy. And
so that's why when I think about other

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income streams, it's like, what
can give me a monthly cash flow,

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whether that's MLN, starting a a
side business. Maybe you create a course,

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maybe write a book, maybe you
write a song. Then of course

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there are the things that come with
selling the things that you've created. You

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know, because I hear a lot
of people say, Holly, I want

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residual income. How do I do
that? I want it right now?

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Well, we need type capital or
energy to create residual income. And that's

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the truth of it. And so
what are you willing to show up for?

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You know, what are you willing
to show up for for a period

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of time, whether it's building the
e course so that you don't have to

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show up as much down the road, but it still does take some degree

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of marketing and outreach, endlist building, etc. All right, I think

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we got a good handle on this, so simple wealth. That's the book.

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I guess we find it on Amazon
and wherever fine books used to be

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sold, and hey, wish you
the best on it. People want to

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find out more about you, connect
with you on the web and and you

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know, see what you're all about. How do you do that? Financial

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impact dot com great site, financial
impact dot com. There's a link to

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it in the show notes. This
interview on Financial Survival Network dot dot com

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00:17:38,440 --> 00:17:41,880
just click the link you'll get right
there. While you're there, take a

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00:17:41,920 --> 00:17:45,559
look at the newsletter. Sign up
for it. You'll get it weekly.

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Great but taking a little hiatus from
it, but it's going out today.

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Ali really appreciate your stopping by,
and hey, we'll talk to you again

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soon. Thanks, carry it's been
a pleasure. Thanks for listening to carry

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Less. Financial Survival Network your solution
to today's trying times. For the latest,

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00:18:04,119 --> 00:18:11,799
go to Financial Survival Network dot com. Financial Survival Network now more than ever,