Investing in Real Estate and Managing Your Assets Like a Business w/Greg Dickerson

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Breakaway Wealth: Episode 23 – One way to avoid the high risk of Wall Street is to invest your money and time in your own business. How can you get your business started if you’re inexperienced in running one? What are the benefits of investing in real estate as a business, and how do the risks compare to other ventures?

Join me as I discuss these questions with Greg Dickerson, an expert on real estate and entrepreneurship.

 

“Hire an expert and get them to teach you how to run your business.” -Greg Dickerson

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Three Things We Learned from this Episode

  • Treat your assets like a business

Make sure you know your numbers and troubleshoot issues when necessary. Treat your business as a doctor would a patient: you must have an intricate knowledge of the anatomy before you can solve problems correctly.

  • Hire an expert

If your business venture is secondary to your career in another domain, hire someone to run it for you or partner with an expert. You may not have the knowledge you need to run a successful business yet, but someone else will have that expertise and be able to help you.

  • Invest in ‘safe’ assets

People will always need somewhere to live and places to buy food. If you own real estate, the great news is you can convert any of the assets you’ve acquired to accommodate these things. Real estate is a resilient investment because even in a crisis situation where currency is no longer used, its tangibility can always be used to barter.

By investing in tangible assets, you’re ensuring you always have them, whether for your own use or to sell. Leverage what you can to the experts and never stop seeing your assets as businesses.

How Unleashing Your Inner Data Scientist Can Do Wonders for Your Business w/Anna Myers

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Breakaway Wealth: Episode 22 – When it comes to real estate investing, what steps can you take to ensure you’re making the right decisions? How can you invest in such a way that you’re eliminating at least some of the risk?

On this episode, I talk with Vice President of GroCapitus, Anna Myers, to discuss the benefits of owning multi-family properties and investing in ‘opportunity zones’. She shares valuable advice for seasoned investors and those just starting out!

“The most important thing is paying attention to how you pick your markets”. -Anna Myers

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Three Things We Learned from this Episode

  • Consider multi-family properties

A lot of investors favor single-family units. While this can certainly ease your administrative duties as a landlord, it can leave you unstable if the single family chooses to move out. Try investing in a multi-family property. This way, should one family relocate, you’ll still receive an income until you can find a new tenant for a specific unit.

  • Research your market

Before you invest in a new property, pay attention to everything with the potential to affect it. Research area trends, look at the property’s location, and be sure to check on the local market. You have to know as much as possible of what has happened in the past to be aware of what could happen in the future.

  • Invest in ‘opportunity zones’

Opportunity zones are something of a once-in-a-lifetime experience. Essentially, these zones (designated by the governor of each state) are in need of financial investment. For new investors in these designated areas, the government has provided some incentives: a deferral of taxes and a guarantee that any gains on the property within a 10-year period will be tax-free for life. Consider investing in this program if possible.

Investment in real estate comes with some risk, but there are ways to minimize it. It all comes down to research. Don’t jump into decisions when buying properties. Pay attention to the markets and any factors that could hinder your return. Don’t allow fear to stop you from investing in real estate, either. And remember: it’s not about what you have— it’s what you keep.

The Advantages of Investing in Real Estate & How to Get Started w/ Mike Conlon

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Breakaway Wealth: Episode 21 – One of the most powerful paths to financial freedom is real estate, and just about anybody can do it. What are some of the misconceptions people have about investing? Why is raising money for real estate a lot easier than people think? What are the biggest mistakes investors make?

On this episode, real estate investor, entrepreneur, and author, Mike Conlon shares on his path to financial freedom and why real estate is the perfect wealth-building vehicle.

“If you start small, it’s hard to make a big mistake.” –Mike Conlon

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Three Things We Learned from this Episode

  • Traditional so-called “wealth building strategies” don’t make you wealthy

The truth about the stock market, 401ks, and the buy-and-hold strategy is that it’s better than doing nothing, but it isn’t the best option. You’ll never get wealthy. You’ll have just enough money to live, but not your ideal lifestyle.

  • Why there’s a huge opportunity to raise capital for real estate investments

The number of people looking to get out of the stock market is high right now, and those people are looking for alternatives. Real estate is perfect for that. If you’re in it, those people can become your investors and partners.

  • Locations to avoid when it comes to investing deals

Don’t invest in small one-company towns. If the company closes down or relocates, that will affect you and jeopardize your investment.

Real estate investment is one of the best ways to break away from the conventional money-making methods that don’t really help you get wealthy. With a recession looming, the opportunities in investing will rise, and the ones that will win are the ones that are ready to take action immediately. If your money is tied up in Wall Street, you won’t be able to deploy it when the opportunities arise. You can start investing right now. Just get in the game, take action, and you’ll be able to take advantage of the downturn.

Infinite Banking 101

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Breakaway Wealth: Episode 20In the IBC system, there are different levels at which you can make use of your own bank to help you build wealth. What is one basic plan you can implement? How do you implement the more advanced fundamentals of the system?

On this episode, Nick Kosko and I discuss IBC strategies that can help you gain financial control and build wealth on your own terms​.​

“The debtor and saver let the bank control their situations. The wealth builder is in control.” -Jim Oliver

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Three Things We Learned from this Episode

  • Why buying a car with cash isn’t as great as people think it is

The traditional options of buying a car are leasing it or buying it cash. Many wealth experts tell you to buy cash, but they don’t tell you what you lose out on when you do that. With a lease you pay interest, and with the cash option you lose out on the interest that money would be earning in an account.

  • The huge challenge business owners face

Business is seasonal, and this creates a challenge because it has to turn a profit in order for you to stay in business. This means you have to have a cashflow system, which means dealing with the bank but that isn’t always the best option.

  • Why the bank isn’t your friend when it comes to financing

When you deal with a bank to get financing, you’re completely at their mercy. They can choose to turn your line of credit into a loan, they can change terms on you when it suits them, and it means you have zero control of your finances.

In order to truly get the benefits of IBC and put it into action, you have to change your mindset from that of a debtor or saver, to a wealth builder. You have to think of freeing yourself from the bank’s control, and that’s where IBC comes in. When you borrow from your IBC, you can dictate your own terms, and there won’t be any surprises. The other bonus is there are tax benefits, and it pays dividends. That’s a win-win that makes it worth investing time and effort into.

Thoughts On The Richest Man in Babylon & The Value We Got From It w/Steve Scollard

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Breakaway Wealth: Episode 19 – One of the most powerful books that inspires us in what we do is The Richest Man in Babylon by George Samuel Clason. What are the lessons the book teaches us, and how can we apply them in our finances and lives?

On this episode, I’m joined by a very special co-host, my colleague, Steve Scollard and we share on why this book is such a game changer.

“Your money has a value and a cost, and treating it as though it doesn’t violates economic value added.” –Jim Oliver

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Three Things We Learned from this Episode

  • The importance of discipline

We all have desires and things we want, but desire is the enemy of discipline. If you can delay your gratification, you’ll get more in the end and that will help your money grow and multiply.

  • Pick your financial advisors wisely

Stick to what you know. Why would you let a salesperson tell you how to be wealthy and grow your wealth when you have already built your wealth through your business or a skill?

  • Why a 401k isn’t going to ensure a future income

Ensure a future income, provide an advance for the needs of your growing age and protection of your family.” This doesn’t mean a 401k or the stock market, because that doesn’t ensure anything. In fact, the only guarantee you have is there’s no control.

Every great book ever written about money is about breaking away from the herd, and that’s for a good reason. Nothing good happens with our finances when we do what everyone else is doing. It’s all about owning your home, your banking function, and ultimately your future. You do this by putting money aside, letting that money grow and growing your own capacity to earn more.

How to Identify Misinformation & Avoid Conforming to the Herd

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Breakaway Wealth: Episode 18If your goal is to achieve financial freedom, you’re probably already aware that you need separate yourself from the conventional path. The difficulty lies in the fact that so much of the information we receive is intended to keep us in line with the status quo. How do you identify the misinformation? Are there ways to avoid conforming, despite the inundation of rigged ‘facts’?

On this episode, I talk with Nick Kosko and Matt Johnson to answer common questions and dispel myths around IBC.

“To be extraordinary we can’t have the same tactics as the average.” -Jim Oliver

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Three Things We Learned from this Episode

  • We are programmed to not ask questions

Far too often we’re taught to listen to the professionals. From following doctors’ orders, to blindly accepting ‘facts’ from Wall Street, we are socialized to believe the answers to our problems lie in the hands of someone else.

  • Be wary of advertising

Many of the ‘facts’ we take for granted on a daily basis originate in advertising and marketing campaigns. Indeed, a lot of the ‘truths’ we’re inundated with are not legitimate at all, but instead the result of internalized advertisements we’ve seen regularly.

  • Get uncomfortable to see results

The harsh reality is, there is no quick way to wealth and financial freedom. You cannot leave your money in the hands of a professional in the hopes that you’ll see great results.

With the high number of advertisements we see for financial services, it’s easy to be influenced by the noise. After all, we’ve been taught throughout our lives to follow the herd. While that might keep you afloat, it’s certainly never going to make you extraordinary. Stop listening to the misinformation used to appease the average, and you’ll see above-average results.

Un-Learning What the Finance Industry Taught Us w/Daniel Ameduri

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Breakaway Wealth: Episode 17 – Most of what we know about making money has been taught to us by successful people. Have those people ever found themselves in difficult situations? How did they get out of their financial predicaments? Can we use their mistakes as part of our learning process?

On this episode, I talk with Daniel Ameduri, author at Future Money Trends. Daniel has an amazing story as someone who got back on his feet after financial devastation, and went on to become a multi-millionaire. He’s here to share his story and give advice on how to avoid making his mistakes.

“You cannot let society teach our kids about money, because they’ll teach them lies or nothing at all.” -Jim Oliver

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Three Things We Learned from this Episode

  • Don’t give up too easily

You have it within yourself to change your situation, and it doesn’t require you to change your career or industry. Far too often, people experiencing financial hardship believe quitting the business will work out for them. Don’t give up that easily! Reapproach the way you’re thinking and keep putting in the work you’re doing. You’re taking small steps towards a big future.

 

  • Stop planning so much

Our society routinely emphasizes the importance of planning. The problem is, we use the excuse of planning as a way to procrastinate. The best way to learn the business is by being on the frontlines. Stop thinking you need to wait for anything.

 

  • Re-think the way you invest

In our fast-paced world, we’re under the impression that we need to invest in everything, all the time. The problem is, we’re not necessarily investing in the best of anything. Rather than following the crowd, take a moment to pause. Wait until you see the perfect investment opportunity and you’ll yield much better results.

Far too much of what we think we know comes from Wall Street. The problem with that is, we’re being taught how to make more money for the finance industry rather than for ourselves. Stop thinking you have to invest immediately, or plan everything carefully. Keep doing what you love, and learn while you do it.

Guest Bio

Daniel is the founder and author at Future Money Trends. From an early age, Daniel knew he wanted to be a successful businessman. From selling pens at school, to buying into his first business at 16 and buying his first stocks at 17, Daniel was something of a business wunderkind. However, early prosperity couldn’t stop him from running into financial turmoil later. While his finances suffered in this period, Daniel went on to push through difficulty to emerge on the other side as a multimillionaire.

Go to https://www.futuremoneytrends.com/ for more information and https://www.youtube.com/user/FutureMoneyTrends to watch Daniel’s videos. Email daniel@futuremoneytrends.com for more information.

Why The Game is Rigged

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Breakaway Wealth: Episode 17 – Most financial service providers gain clients by promising benefits to help you in retirement. However, they’re not putting anyone on a sustainable path that will ensure constant passive income.

What systems can you use to your advantage to avoid ending up on a downward spiral from retirement age? Are there any ways to use your money, invest, and save for a legacy? On this episode, I discuss the answers to these questions and more with Matt Johnson and Nick Kosko.

“Whoever controls the money, makes the money.” –Jim Oliver

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Three Things We Learned from this Episode

  • Why retirement funds are not the answer

Traditional retirement funds are not aimed at generating wealth for you. Their purpose is to keep you stable in retirement. What happens when that money runs out and you’re no longer in service, earning money? Retirement funds are not sustainable and won’t help you build a legacy.

  • The advantages of using life insurance companies

When you’re investing your money in life insurance, you’re using the insurance company’s money. You benefit from everything inside the life insurance contract, as well as the assets you buy with the money you take out of the contract. The company benefits from charging you interest, while you benefit from the money in two ways.

  • The importance of staying in control of your money

By becoming your own banker, you’re taking control of all your money. You can create velocity of money for your own benefit. This is more advantageous for you than relying on another person (a traditional banker) who will ultimately serve the needs of the bank with your money.

Stop believing the myth that traditional bankers are the best option for your money. At the end of the day, those banks are using your money to serve their needs and to generate wealth for themselves. By using infinite banking systems, that doesn’t have to happen anymore. You can be in control of all your money, and benefit from it in multiple ways.

Learning from Mistakes and Investing the Right Way w/Paul Moore

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Breakaway Wealth: Episode 16 – We often hear about journeys to success, but we don’t always hear about the pitfalls along the way. What advice can we take from those who have “made it” despite the challenges? Which regrets should we be paying attention to? What advice could help you when it comes to real estate investing?

On this episode I talk with Paul Moore, entrepreneur, author, and host of the podcast How to Lose Money, to answer these questions.

“It’s a lot easier to learn from others’ mistakes than it is to replicate their success. -Paul Moore

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Three Things We Learned from this Episode

  • Strive for balance

Money management requires a careful balance. While you shouldn’t be so frugal that you never enjoy the fruits of your labor, you also need to avoid using money unnecessarily. Stop telling yourself you need to work harder to stay ahead of the game and not run out of money- you’re only training yourself to work harder and harder.

  • Aim to invest in commercial real estate

There’s a reason why most people on the Forbes 400 Richest list are involved in commercial real estate. Investing here not only keeps the process objective (you’re buying according to numbers, not an individual seller’s price), but offers phenomenal tax benefits.

  • Make sure you’re investing, not speculating

There’s a key distinction between the two. Investment requires a safe principle, while speculating does not. If you don’t know how to differentiate the two, make sure you find someone who can. Whether a mentor or a professional investor, ensure you’re making wise decisions with your money.

When it comes to breaking away from the system and building our wealth, not every action will take will be perfect, but the key thing is that we learn from those missteps and come back wiser and stronger. There is a lot of merit in listening to advice from others. Remember, someone else has always already done something you’re yet to do. By trusting in people who’ve already been on the journey, we can save ourselves from making some of these mistakes.

Guest Bio

Paul is a real estate entrepreneur, investor, developer, and author. He is the author of The Perfect Investment – Create Enduring Wealth from the Historic Shift to Multifamily Housing (2016). Paul also co-hosts a wealth-building podcast called How to Lose Money, is a featured guest on numerous real estate podcasts, and is a regular author for Bigger Pockets. 

For more information, go to https://www.wellingscapital.com/ and connect with Paul on LinkedIn https://www.linkedin.com/in/paul-moore-3255924/.

How Pat Hiban Built 42 Streams of Passive Income & Broke Away From the System

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Breakaway Wealth: Episode 15 – The mainstream model of building wealth is basically waiting for an advisor to make money for you. This doesn’t empower you or allow you to participate in your own path to financial freedom. Why is real estate investment one of the best ways to add a stream of income, especially if you already work in real estate? What stops people from making this leap??

On this episode, we’re joined by author of 6 Steps to 7 Figures, founder/president of Rebus University, Pat Hiban, who shares on building wealth and why it’s easy to become an investor.

“”Horizontal income allows you to do what you want, when you want, but it’s also important to have goals and things you’re driving towards.” -Pat Hiban

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Three Things We Learned from this Episode

  • Why agents don’t become investors

Agents have a cash flow issue. They earn decent money with commissions, but their costs of living rise with income. Because they struggle to live below their means, they can’t set aside money for other ventures to help them build wealth.

 

  • Horizontal income vs. vertical income

Through real estate investing and other ventures, Pat has built 42 lines of horizontal income. Instead of doing a job that vertically pays him a little more each year, multiple streams of income will allow you to earn exponentially.

 

  • How to invest without using your own money

When your money pool is inside an insurance contract, you’re borrowing against your cash value. But you’re actually using the insurance company’s money, while your own money stays in a tax shelter and grows.

 

If you look at Robert Kiyosaki’s Cashflow Quadrant, one thing that’s clear is that the place we really want to be is on the investor and business owner side. The employee and even the self-employed side doesn’t give us real freedom because it’s not passive. What the mainstream teaches us about building wealth keeps us in active income activities. Real estate investing is a very worthy way to create horizontal lines of income, and you can get in for a very low percentage, and borrow the rest at a very low interest rate.  As long as the rent beats the mortgage payments, you can start creating cash flow and real freedom in your life.

 

Guest Bio

Pat is the founder and Chairman of Rebus University, Gobundance, and the Hiban Group. He is also the author of the book 6 Steps to 7 Figures, and is the host of real estate podcast Real Estate Rockstars with Pat Hiban. Go to https://www.rebusuniversity.com/ to find out more about the courses, go to http://www.gobundance.com/ if you’re interested in joining. Listen to the podcast https://hibandigital.com/.

To get his book FREE, go to https://www.sixstepsbook.com/

 

How to Use IBC to Expand Your Real Estate Holdings & Create Stability w/John Stevens

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Breakaway Wealth: Episode 15 – The Infinite Banking Concept gives us massive opportunities to invest in ways that expand our wealth. How can we employ IBC to grow our real estate portfolios without any of our own money? Why is this so much better than using the conventional route of buying real estate? How do we find multiple deals at once?

On this episode, John Stevens shares how he’s putting his money to work and growing a real estate empire using IBC.

“Networking and personal observation are important in real estate investing.” -Jim Oliver

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Three Things We Learned from this Episode

  • How to create an infinite rate of return

By tapping into the infinite banking cash flow system to buy real estate, you create an infinite rate of return. You have no money in the deal because you’re using the insurance company’s money, so you can take on more deals than if you were using your own money.

 

  • How IBC empowers us

The infinite banking system gives you total control over the wealth you’ve created. You’re able to immediately see the benefits you have instead of waiting until you’re 65.

 

  • The stability IBC gives us financially during business growing pains

Investing in and running businesses has ups and downs. When things hits a bumpy road, the banking system is there to save you and keep it going. You won’t have to beg for money from the bank and end up under the bank’s control.

 

Leveraging the Infinite Banking System can be a powerful way for us to grow our wealth and move towards true financial freedom. By using money from the insurance policies as down payments, we can grow a portfolio without using any of our own money. This means it’s scalable and stable, and we get to make every move with peace of mind and security.

Mapping the Way to Financial Freedom

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Breakaway Wealth: Episode 14 – As we get into action for our 2019 goals, it’s important to have a clear vision of the path we’re taking. What are some of the key concepts for attaining financial freedom? Why is it so important for us to be surrounded by the right people? How do we determine our financial goals for the year?

On this episode, we talk about some of the concepts we want to focus on in the new year, and share a practical model for building wealth.

“You want your cash flow to be greater than your ideal standard of living.” -Jim Oliver

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Three Things We Learned from this Episode

  • The problem with the dominant view of retirement

The traditional retirement model is: you climb the mountain, you climb down safely. You accumulate money and then live off it when you retire. It’s better to keep ascending and have your wealth grow, instead of putting a cut-off point for earning money.

 

  • How to scale yourself without compromising your freedom

Find other people with unique abilities you don’t have, and hire and collaborate with them. You only have so much time, so you can scale yourself by taking other people’s skill sets and leveraging them to enhance your area of expertise.

 

  • The power of economies of scale

If we create economies of scale in our property investments, we have more stability and ultimately more freedom. If you have five properties with five different tenants, that is a lot better than one big tenant in one large building. The difference is in your ability to remain stable if you lose a tenant or encounter a similar hurdle.

 

In order to succeed financially, you must have a goal. Just wanting something and hoping to have it won’t do anything for us. We have to know what we want so that we can take decisive action and steps towards it. Financial freedom requires us to refuse to follow the herd. We must implement strategies and ideas that don’t just earn us money, but also scale and multiply the money we can earn.

 

See the Figures below from our discussion:

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Figure 2:

 

Figure 3:

The Strangest Secret

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Breakaway Wealth: Episode 13 – Everyone wants to be successful, but very few people are actually able to turn those dreams into reality. Why is there such a large disparity between what people want to do and what they accomplish? What is the reason for so much failure, disappointment, and stagnancy? Why do people with goals often succeed in life?

On this episode, you’ll hear one of the most inspirational speeches, The Strangest Secret by Earl Nightingale. You’ll learn why so many people fail to succeed and what we can do to make sure we achieve our goals.

“A success is anyone who is pursuing deliberately a predetermined goal, because that’s what he or she decided to do, deliberately.” -Earl Nightingale

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Three Things We Learned from this Episode

  • Conformity leads to failure

Rollo May wrote “The opposite of courage in our society is not cowardice – it is conformity.” One of the biggest reasons people fail to achieve success is that they follow the herd, they make their choices based on what society dictates. We end up with goals we don’t truly believe in, so we we’ll never be able to achieve them.

 

  • The importance of goals

The thing that separates the people who succeed from the people who never manage to achieve their dreams is goals. Goals give us direction, they guide our actions and move us forward. Without any goals, it’s impossible to take deliberate action towards anything because you don’t actually know where you’re going.

 

  • We become what we think about

The thoughts you have become the navigation system of your whole life. If you think about your goals and about positive things, this creates your reality because it determines the actions you take and the choices you make. But if you focus on negative things, and your thoughts are of frustration, fear, anxiety and worry, that’s what your whole life will produce.

 

Success is the result of certain actions, behaviors and activities we spend our time on. The only person who succeeds is the person who is progressively realizing a worthy ideal or goal, and deliberately working towards it. We must be willing to pay the price to achieve the wonderful life that can be ours. Challenge yourself to change how you think, and your whole life can change.

Uninterrupted Compounding & Lost Opportunity Cost w/Steve Scollard

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Breakaway Wealth: Episode 12 – There is nothing greater in finance than the constant compounding of our money, but keeping money in our checking or savings account prevents this effect. How do our accounts keep us from compounding? Why are permanent insurance contracts the solution to this?

On this episode, Steve Scollard shares why constant compounding and lost opportunity cost are the cornerstones of financial freedom.

“The uninterrupted compounding of money is what’s really important, especially over time.” -Steve Scollard

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Three Things We Learned from this Episode

  • How our checking accounts get in the way of constant compounding

When we use a savings or checking account, we’re constantly putting money in and taking it out. Every time we take it out, we’re interrupting the compound.

 

  • How Lost Opportunity Cost affects us financially

The moment we spend a dollar, we’ve lost the opportunity to make anything on that dollar. We can’t put it towards something that can make us more money.

 

  • The beauty of life insurance contracts

Put money into a life insurance contract, and it’s going to grow uninterrupted. You’ll still have access to the money while it continues to grow. You also get the benefit of it being tax-free if you keep it permanently.

 

By bringing together life insurance contracts and tax-free benefits while saving money, amazing things can happen for us. You get the peace of mind of knowing that your money is saved, easy to access, and growing tax-free.

10 Steps for Setting Goals Successfully

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Breakaway Wealth: Episode 11 – As we head into a new year, we naturally start thinking of the things we’d like to achieve. In order to make these things happen, we need to set goals. What are some of the missing links that make it hard for people to turn aspirations into reality? What is the difference between manipulative and attainable goals? How can we make a goal really stick?

On this episode, Nick Kosko and I talk about the 10 things you can do to have effective goal setting in 2019.

You want purpose, and goal setting is synergistic with having a purpose.” -Nick Kosko

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Three Things We Learned from this Episode

  • The power of writing down your goals

Write down your goal. There’s something powerful about writing it down, and it will be instrumental in making it happen. It imprints the goal in your brain, and when it sticks, it starts to drive your actions.

  • Why setbacks are part of success

On your way to achieving your goal, there will be setbacks. It’s part of the process, not a sign that your goal is bad. There will always be surprises in the journey, but opportunities tend to mask themselves as obstacles when you’re striving to reach a goal.

  • How to set balanced goals

A huge mistake we make is only setting goals for one area of our lives, and that’s how people end up financially successful but poor in health and relationships. To succeed, it’s all about balance. When things are out of balance they crash. Set goals for all areas of your life so that you’re developing holistically.

 

Success is made up of milestones and projects that all come together to create one big picture. For any project to succeed, you have to have a game plan. That’s what your goals are. To get to the next level, it’s all about having strong personal development and good habits about taking action towards our goals. What helps us is having a strong vision, being accountable to ourselves and the people around us, having realistic timeframes, and taking ownership of our lives. Our goals are crucial because they are the basis of the effort we make every single day. Without that, we are more likely to end up in the exact same spot at the end of another year.