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    Business

    Invest in You

    Invest in You is a global podcast where Fredrik Sandvall shares ideas and conversations with entrepreneurs, investors, and operators. The show explores investing, entrepreneurship, AI, and personal development with a focus on long-term value, ownership, and clear decision-making.

    Occasionally joined by his sons, Charlie and Ivan, the podcast blends experience with a next-generation perspective. The goal is simple: help you think better, act with intent, and build a life and portfolio that compound over time.

    Advertise

    Copyright: © 2019 Fredrik Sandvall

    • Apple Podcasts
    • Google Play
    • Spotify

    Latest Episodes:
    Options, Not Outcomes: Why Smart Operators Always Build Optionality Jan 30, 2026
    Show notes

    In this episode, Fredrik explores the vital difference between optimising for specific outcomes versus building a portfolio of options. Drawing from his military background and business experience, Fredrik explains that while society often rewards the ‘certainty’ of a five-year plan, life is inherently volatile. He argues that true financial and personal freedom comes from optionality.

    KEY TAKEAWAYS

    Planning for a single, fixed outcome is fragile; when market conditions, health, or regulations change, those without options panic.

    You don't truly own an asset unless you have the choice to either keep it forever or sell it tomorrow. If you can't do both, the asset owns you.

    Many companies are not sellable because they are too dependent on the founder. If the business stops the moment you walk away, it is worth nothing.

    Diversifying your professional life, such as combining a military career with studies, consulting, and board roles, creates parallel paths that provide constant ‘deal flow’ and security.

    Different ideas move at different paces; having a mix of 90-day goals and 20-year plans allows you to benefit from volatility rather than being crushed by it.

    BEST MOMENTS

    "Most people optimise for outcome. That’s why they panic when conditions change. I don’t; I optimise for options."

    "Optionality is a calm power."

    "I build things so I can keep them forever or sell them tomorrow. If you can't do both, you don't own an asset; the asset owns you."

    "The same day as you walk away, the company is worth nothing. The evening when you turn off the lights, the business stops."

    "Outcomes are ego-driven. Options are strategy-driven. And in volatile systems, the one with the most options wins."

    Books by Fredrik Sandvall

    Curious about the book mentioned? Business Owner?


    Book link global https://amzn.to/49GJyPv

    The Abyss of Finance: Trust, Leverage and the Cycles of Collapse

    For investors and leaders who want to understand why financial systems break before they do.

    ⁠https://amzn.to/3YsRKfI⁠

    About the Podcast

    Invest in You is a global podcast where entrepreneur and investor Fredrik Sandvall shares practical ideas and conversations with founders, investors, and operators. Episodes focus on investing, entrepreneurship, and building long-term control and freedom.

    Occasionally joined by his sons Ivan and Charlie, the show offers both experience-based insight and a next-generation perspective.

    Listeners in 155+ countries tune in to think clearer, act smarter, and build with intent.

    Community & Contact

    Podcast community: https://bit.ly/4jxF94k

    Fredrik Sandvall

    LinkedIn: ⁠https://www.linkedin.com/in/sandvall/⁠

    Facebook: ⁠https://www.facebook.com/FredrikinLondon/⁠


    Mastering Financial Strategy: From Bookkeeping Basics to a Multi-Million Dollar Exit with Rob te Braake Jan 28, 2026
    Show notes

    Today, Fredrik interviews Rob te Braake, a fractional CFO and founder of Insight Matters, to demystify the world of strategic finance for business owners. Rob shares his journey from corporate banking to becoming a specialised financial partner for 7- and 8-figure online businesses. Together, they break down the critical differences between simple bookkeeping and true financial management, explaining why relying solely on revenue figures or tax filings can be a fatal mistake for growing companies.

    KEY TAKEAWAYS

    A bookkeeper records historical data, but a CFO (or fractional CFO) uses that data for strategic forward-looking analysis, forecasting, and decision-making.

    Growing too fast without managing working capital (e.g., inventory needs for long lead times) can kill cash flow just as effectively as a lack of sales.

    Business owners should spend at least one hour every month reviewing their management accounts (P&L and Balance Sheet) to compare actual results against their plans and understand variances.

    To maximise valuation and build trust with buyers, founders should start preparing for an exit 3-5 years in advance by ensuring clean, transparent financials and reliable forecasting.

    While EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) is a key metric for valuation, selling a buyer on the story of future earnings potential is often what drives a higher multiple.

    BEST MOMENTS

    "Typically, we think high growth is good, and it is, but uncontrolled or unsustainable growth is as dangerous as lack of growth."

    "I realised I can't be a good CFO if I don't have data that I can trust. I cannot tell people to invest or fire people based on data that I don't really find trustworthy."

    “Nothing kills a deal faster than bad answers on financial questions."

    "Most people tend to think that the books are just for tax filings. That's the biggest misconception. Your books should primarily be for management. You, as the owner, need to use it to make decisions."

    "To me, investing in yourself means investing in education and investing in experiences. I want to invest in making my life the life that I want to live."

    ABOUT THE GUEST

    https://www.linkedin.com/in/rob-te-braake

    Books by Fredrik Sandvall

    Options Strategy: Build to Keep. Ready to Sell Tomorrow.

    For founders and CEOs who want businesses that compound in value, stay under control, and are always sale-ready.

    ⁠https://amzn.to/4pwVhoi⁠

    The Abyss of Finance: Trust, Leverage and the Cycles of Collapse

    For investors and leaders who want to understand why financial systems break before they do.

    ⁠https://amzn.to/3YsRKfI⁠

    About the Podcast

    Invest in You is a global podcast where entrepreneur and investor Fredrik Sandvall shares practical ideas and conversations with founders, investors, and operators. Episodes focus on investing, entrepreneurship, and building long-term control and freedom.

    Occasionally joined by his sons Ivan and Charlie, the show offers both experience-based insight and a next-generation perspective.

    Listeners in 155+ countries tune in to think clearer, act smarter, and build with intent.

    Community & Contact

    Podcast community: https://bit.ly/4jxF94k

    Fredrik Sandvall

    LinkedIn: ⁠https://www.linkedin.com/in/sandvall/⁠

    Facebook: ⁠https://www.facebook.com/FredrikinLondon/⁠


    Backstroke in Business: Navigating the AI Revolution with RJ Talyor Jan 23, 2026
    Show notes

    In this episode, Fredrik sits down with RJ Talyor, founder of Backstroke, to discuss the rapidly evolving landscape of Artificial Intelligence in marketing and business. Joining from Indianapolis, RJ shares his journey from competitive swimmer to serial entrepreneur, explaining how the ‘try, delete, try again’ philosophy of backstroke swimming inspired his latest venture. They dive deep into the tension between AI experimentation and brand safety, the changing role of agencies, and the fears surrounding job displacement in the automation age.

    KEY TAKEAWAYS

    Brands are currently in a phase of heavy experimentation with AI. The most successful companies are moving away from rigid, long-term planning toward a ‘try and delete’ mentality, balancing rapid iteration with brand safety guardrails.

    Despite the rise of automation, human oversight remains critical for accountability and quality assurance. The role of the creative is shifting from pure creation to curation and editing, ensuring AI outputs align with brand voice and ethics.

    The traditional agency model, often built on billable hours and multiple human touchpoints, is being disrupted. Agencies that leverage AI to streamline workflows and reduce inefficiency will thrive, while those clinging to old models risk obsolescence.

    Generative AI offers a cost-effective solution for creating diverse marketing assets that represent a wider range of demographics (age, ethnicity, body type) without the prohibitive costs of traditional photoshoots, provided it is executed with sensitivity and accuracy.

    Reflecting on his previous exit to Shutterstock, RJ emphasises that successful acquisitions are rarely just about technology or revenue. A strong cultural alignment between companies is the key factor that ensures longevity and team satisfaction post-acquisition.

    BEST MOMENTS

    "We’re really at this place where we can really dream up anything and then extend our capabilities, for a fraction of the cost and a fraction of the time."

    "The question is not 'are we adopting AI,' but 'are we going to actually transform our business?'. It's really what it is, it's transformation."

    "We are afraid of 'agency', giving agents [AI] freedom to make decisions for humans. And I think that fear will slow progress."

    "If the service is down, our app looks like it's down. We’ve had to build backups into backups so that there are fallback options."

    "I need to swim, I need to read, I need to garden. I can be a work machine at this age, but unless I invest in my health and the things that make me feel good, I won't want to continue to push on the business side."

    ABOUT THE GUEST

    RJ Talyor

    https://www.linkedin.com/in/rjtalyor/

    Books by Fredrik Sandvall

    Options Strategy: Build to Keep. Ready to Sell Tomorrow.

    For founders and CEOs who want businesses that compound in value, stay under control, and are always sale-ready.

    ⁠https://amzn.to/4pwVhoi⁠

    The Abyss of Finance: Trust, Leverage and the Cycles of Collapse

    For investors and leaders who want to understand why financial systems break before they do.

    ⁠https://amzn.to/3YsRKfI⁠

    About the Podcast

    Invest in You is a global podcast where entrepreneur and investor Fredrik Sandvall shares practical ideas and conversations with founders, investors, and operators. Episodes focus on investing, entrepreneurship, and building long-term control and freedom.

    Occasionally joined by his sons Ivan and Charlie, the show offers both experience-based insight and a next-generation perspective.

    Listeners in 155+ countries tune in to think clearer, act smarter, and build with intent.

    Community & Contact

    Podcast community: https://bit.ly/4jxF94k

    Fredrik Sandvall

    LinkedIn: ⁠https://www.linkedin.com/in/sandvall/⁠

    Facebook: ⁠https://www.facebook.com/FredrikinLondon/⁠


    How Mastra is Shaping AI Agent Creation Jan 21, 2026
    Show notes

    Today, Fredrik interviews Sam Bhagwat, CEO of Mastra and co-founder of Gatsby.js. They discuss Sam's journey from an economics major to a successful entrepreneur in the tech industry, highlighting the importance of technical skills during platform shifts. Sam shares insights on the challenges of transitioning from employee to founder, the role of Y Combinator in his journey, and the importance of user feedback in product development. He also highlights the current landscape of AI and the opportunities it presents for young professionals.

    KEY TAKEAWAYS

    The current era represents a significant platform shift in technology, where highly technical teams are more likely to succeed due to their understanding of the changing rules of the game.

    As the demand for AI and agent-based solutions grows, having a strong technical foundation is crucial. This is especially true for those looking to innovate and build in the rapidly evolving tech landscape.

    Individuals with extensive experience in a specific domain have a unique advantage when identifying pain points and opportunities for innovation, particularly in the context of AI and technology.

    Rapid user adoption and growth metrics, such as increasing weekly downloads, indicate a strong market demand for a product. This growth can lead to new challenges, such as scaling and performance tuning.

    Continuous learning and skill development are essential for navigating career transitions and adapting to new roles, especially in fast-paced industries like technology and AI.

    BEST MOMENTS

    "In the beginning stages of a platform shift, the people that tend to have success are highly technical teams."

    "We figured it out, and then for the next few years, we were running Gatsby, which became a leading React kind of meta framework."

    "You need to talk to a lot of users to build a good product."

    "Investing in yourself means being intentional about learning the skills that are going to take you for the next five or ten years."

    "What success looks like for Mastra is that Mastra is the default way of building agents."

    Sam Bhagwat

    https://www.linkedin.com/in/sambhagwat/

    mastra.ai

    Books by Fredrik Sandvall

    Options Strategy: Build to Keep. Ready to Sell Tomorrow.

    For founders and CEOs who want businesses that compound in value, stay under control, and are always sale-ready.

    ⁠https://amzn.to/4pwVhoi⁠

    The Abyss of Finance: Trust, Leverage and the Cycles of Collapse

    For investors and leaders who want to understand why financial systems break before they do.

    ⁠https://amzn.to/3YsRKfI⁠

    About the Podcast

    Invest in You is a global podcast where entrepreneur and investor Fredrik Sandvall shares practical ideas and conversations with founders, investors, and operators. Episodes focus on investing, entrepreneurship, and building long-term control and freedom.

    Occasionally joined by his sons Ivan and Charlie, the show offers both experience-based insight and a next-generation perspective.

    Listeners in 155+ countries tune in to think clearer, act smarter, and build with intent.

    Community & Contact

    Podcast community: https://bit.ly/4jxF94k

    Fredrik Sandvall

    LinkedIn: ⁠https://www.linkedin.com/in/sandvall/⁠

    Facebook: ⁠https://www.facebook.com/FredrikinLondon/⁠


    Finding Value in Distressed Markets with Daniel Bird Jan 16, 2026
    Show notes

    In this episode, Fredrik chats with Daniel Bird discusses the competitive landscape of finance and investment with a focus on credit and special situations. Daniel emphasises the need for companies to present detailed financial models and management strategies to attract investment. He also explores the complexities of lending across different jurisdictions and the evolving landscape of private credit.

    KEY TAKEAWAYS

    When seeking funding, businesses should present a well-structured plan that includes financial models, cash flow statements, and a clear understanding of how funds will be utilised. This level of preparedness can significantly enhance credibility with potential lenders.

    Companies that are proactive in managing their finances and adapting to industry changes are more likely to secure funding. This includes maintaining conservative balance sheets and being ready to pivot in response to market trends.

    A credit line is a flexible borrowing option that allows businesses to draw funds as needed, similar to a credit card but on a larger scale. This can be a valuable tool for financing acquisitions or other investments.

    The credit market is influenced by various factors, including economic cycles and industry trends. Investors should remain nimble and proactive in managing their portfolios, especially during periods of economic uncertainty.

    Building long-term relationships with lenders and advisors can facilitate smoother fundraising processes. Familiarity with a business's history and goals can lead to more favourable terms and quicker access to capital.

    BEST MOMENTS

    "Businesses and industries change all the time. Very, very few people are proactive enough to really prepare for times of stress."

    "The businesses that tend to do well are very thoughtful about how they staff the business, how they grow the business."

    "Lending money is obviously based on a legal contract. Different jurisdictions have different rules that govern those contracts."

    "There's a lot of talk right now that there's potentially a bubble in private credit."

    "Keeping yourself moving, keeping yourself challenged is a good thing in life."

    Daniel Bird

    https://www.linkedin.com/in/daniel-bird-18456a42/

    Books by Fredrik Sandvall

    Options Strategy: Build to Keep. Ready to Sell Tomorrow.

    For founders and CEOs who want businesses that compound in value, stay under control, and are always sale-ready.

    ⁠https://amzn.to/4pwVhoi⁠

    The Abyss of Finance: Trust, Leverage and the Cycles of Collapse

    For investors and leaders who want to understand why financial systems break before they do.

    ⁠https://amzn.to/3YsRKfI⁠

    About the Podcast

    Invest in You is a global podcast where entrepreneur and investor Fredrik Sandvall shares practical ideas and conversations with founders, investors, and operators. Episodes focus on investing, entrepreneurship, and building long-term control and freedom.

    Occasionally joined by his sons Ivan and Charlie, the show offers both experience-based insight and a next-generation perspective.

    Listeners in 155+ countries tune in to think clearer, act smarter, and build with intent.

    Community & Contact

    Podcast community: https://bit.ly/4jxF94k

    Fredrik Sandvall

    LinkedIn: ⁠https://www.linkedin.com/in/sandvall/⁠

    Facebook: ⁠https://www.facebook.com/FredrikinLondon/⁠


    The Importance of Advisors in Mergers and Acquisitions Jan 14, 2026
    Show notes

    In this episode, Fredrik engages with Nick Olsson, Managing Director of Cornerstone International Alliance, to explore the intricacies of mergers and acquisitions (M&A). They discuss the importance of having an experienced advisor when selling a business, especially for first-time sellers. Nick emphasises the need for business owners to maintain operational stability while navigating the sale process and highlights common exit strategies, such as earn-outs and seller financing.

    KEY TAKEAWAYS

    M&A refers to the buying and selling of businesses, which can involve exiting a company or growing through acquisitions. Business owners often need guidance in navigating this complex process, especially if it's their first time selling.

    Engaging an M&A advisor is crucial for business owners looking to sell. Advisors help level the playing field against experienced buyers, assist in valuing the business, and facilitate a competitive bidding process to secure the best offers.

    Business owners should always be prepared to sell by maintaining up-to-date financials, understanding their business's value, and ensuring that the business can operate independently of them. This preparation can significantly enhance the business's marketability and value.

    xit terms can vary widely, including cash at closing, earn-outs based on future performance, or rolling over equity into the new company. The structure of the deal is often as important as the sale price, and sellers should consider their long-term goals when negotiating.

    Common reasons for selling a business include health concerns, retirement, burnout, or a desire to pursue new opportunities. Business owners should be aware of these motivations and plan accordingly to ensure a smooth transition and avoid leaving a burden on their families.

    BEST MOMENTS

    "In most cases, your business is your baby. You've built it up over however many years, and it's your identity."

    "If you can slowly work yourself out of the business, the business can run with you kind of removed."

    "If it sounds too good to be true, it is."

    "You want to avoid that situation. You don't want that retrade because obviously that delays things."

    "The worst situation you can be in is you have to sell, but the numbers don't make sense."

    Nick Olsen

    https://www.linkedin.com/in/nick-olsen2328/

    https://www.youtube.com/@cornerstone_intl_alliance

    cornerstoneia.com

    Books by Fredrik Sandvall

    Options Strategy: Build to Keep. Ready to Sell Tomorrow.

    For founders and CEOs who want businesses that compound in value, stay under control, and are always sale-ready.

    ⁠https://amzn.to/4pwVhoi⁠

    The Abyss of Finance: Trust, Leverage and the Cycles of Collapse

    For investors and leaders who want to understand why financial systems break before they do.

    ⁠https://amzn.to/3YsRKfI⁠

    About the Podcast

    Invest in You is a global podcast where entrepreneur and investor Fredrik Sandvall shares practical ideas and conversations with founders, investors, and operators. Episodes focus on investing, entrepreneurship, and building long-term control and freedom.

    Occasionally joined by his sons Ivan and Charlie, the show offers both experience-based insight and a next-generation perspective.

    Listeners in 155+ countries tune in to think clearer, act smarter, and build with intent.

    Community & Contact

    Podcast community: https://bit.ly/4jxF94k

    Fredrik Sandvall

    LinkedIn: ⁠https://www.linkedin.com/in/sandvall/⁠

    Facebook: ⁠https://www.facebook.com/FredrikinLondon/⁠


    Investing in Yourself: The Key to Thriving in an AI-Driven World Jan 05, 2026
    Show notes

    In this episode, Frederik engages with Nikki Barua, a serial entrepreneur and AI expert, to explore the co-evolution of humans and AI. Nikki emphasises the need for individuals and organisations to embrace uncertainty and adapt to the rapid changes brought by AI. She also discusses the significance of leveraging unique human qualities—such as creativity and relationship-building—as competitive advantages in an AI-first landscape.

    KEY TAKEAWAYS

    The rapid evolution of AI technology necessitates a shift in human behaviour and mindset. Embracing uncertainty and discomfort is essential for individuals to thrive in the AI age, as seeking comfort may lead to failure.

    Traditional change management approaches are outdated in the context of AI. Organisations need to adopt continuous reinvention strategies that empower individuals to adapt and evolve alongside technological advancements.

    For effective transformation, employees must feel empowered to redesign their workflows and processes. This bottom-up approach fosters a sense of control and ownership over their roles in an AI-driven environment.

    Companies should focus on identifying specific use cases for AI that align with their business goals. Avoiding the "shiny object syndrome" is crucial to ensure that investments in AI yield meaningful returns.

    The unique qualities of humans—such as creativity, judgment, and relationship-building—will be the key differentiators in an AI-dominated landscape. Businesses and individuals must leverage these traits to build competitive advantages and foster trust.

    BEST MOMENTS

    "What fascinates me though is how are humans co-evolving with AI and what's the pace of that evolution?"

    "If you are seeking certainty and comfort and security in the AI age, you will fail."

    "The absence of guardrails is actually pretty risky."

    "The future is going to be about explorers that lead with curiosity and can always find a way."

    "Investing in yourself is the best advice you can have for life work and to navigate uncertainty."

    VALUABLE RESOURCES

    Nikki Barua

    https://www.linkedin.com/in/nikkibarua/

    nikkibarua.com


    Books by Fredrik Sandvall

    Options Strategy: Build to Keep. Ready to Sell Tomorrow.

    For founders and CEOs who want businesses that compound in value, stay under control, and are always sale-ready.

    ⁠⁠https://amzn.to/4pwVhoi⁠⁠

    The Abyss of Finance: Trust, Leverage and the Cycles of Collapse

    For investors and leaders who want to understand why financial systems break before they do.

    ⁠⁠https://amzn.to/3YsRKfI⁠⁠

    About the Podcast

    Invest in You is a global podcast where entrepreneur and investor Fredrik Sandvall shares practical ideas and conversations with founders, investors, and operators. Episodes focus on investing, entrepreneurship, and building long-term control and freedom.

    Occasionally joined by his sons Ivan and Charlie, the show offers both experience-based insight and a next-generation perspective.

    Listeners in 155+ countries tune in to think clearer, act smarter, and build with intent.

    Community & Contact

    Podcast community: ⁠https://bit.ly/4jxF94k⁠

    Fredrik Sandvall

    LinkedIn: ⁠⁠https://www.linkedin.com/in/sandvall/⁠⁠

    Facebook: ⁠⁠https://www.facebook.com/FredrikinLondon/⁠⁠


    A Guide to Avoiding Pitfalls in a Complex System Jan 02, 2026
    Show notes

    In this very first episode of 2026, Fredrik discusses his upcoming book, "The Abyss of Finance: Trust, Leverage, and the Cycle of Collapse," set to release on January 9, 2026. He delves into the complexities of the financial system, emphasizing the importance of understanding trust and leverage to navigate potential pitfalls. The episode also highlights historical financial cycles, such as the Japanese asset bubble, illustrating the recurring nature of financial mistakes.

    KEY TAKEAWAYS

    The book aims to demystify the complexities of finance, focusing on how trust and leverage contribute to the financial system's risks and potential pitfalls.

    There is a pressing need for individuals to understand the financial landscape, as many are unaware of the complexities and risks involved, which can lead to poor decision-making.

    Trust in financial institutions and the use of leverage are central themes, illustrating how misplaced trust can lead to significant financial collapses and how leverage can amplify both gains and risks.

    The book emphasises the importance of learning from historical financial crises, highlighting that repeating past mistakes can lead to future failures, and aims to provide insights to help readers avoid becoming "losers" in the financial system.

    Rather than being a doomsday book, the focus is on empowering readers with knowledge and critical thinking skills to navigate the financial world confidently, helping them recognise and avoid potential traps.

    BEST MOMENTS

    "It's a journey through how trust and leverage turn parts of the financial system into what we're calling the abyss."

    "You're on a bit of a mission to pull back the curtain quickly and give people a guide before they find themselves in over their heads."

    "The whole idea that we keep repeating the same financial mistakes because we don't really learn from the past, that's kind of the heartbeat of your book."

    "When everyone trusts that prices will keep rising and leverage keeps piling up, you get this classic cycle that eventually has to correct itself."

    "This really isn't a doomsday book at all. It's about making them more resilient, more informed, and ultimately more confident in navigating whatever the financial world throws their way."


    Books by Fredrik Sandvall

    Options Strategy: Build to Keep. Ready to Sell Tomorrow.

    For founders and CEOs who want businesses that compound in value, stay under control, and are always sale-ready.

    ⁠⁠https://amzn.to/4pwVhoi⁠⁠

    The Abyss of Finance: Trust, Leverage and the Cycles of Collapse

    For investors and leaders who want to understand why financial systems break before they do.

    ⁠⁠https://amzn.to/3YsRKfI⁠⁠

    About the Podcast

    Invest in You is a global podcast where entrepreneur and investor Fredrik Sandvall shares practical ideas and conversations with founders, investors, and operators. Episodes focus on investing, entrepreneurship, and building long-term control and freedom.

    Occasionally joined by his sons Ivan and Charlie, the show offers both experience-based insight and a next-generation perspective.

    Listeners in 155+ countries tune in to think clearer, act smarter, and build with intent.

    Community & Contact

    Podcast community: ⁠https://bit.ly/4jxF94k⁠

    Fredrik Sandvall

    LinkedIn: ⁠⁠https://www.linkedin.com/in/sandvall/⁠⁠

    Facebook: ⁠⁠https://www.facebook.com/FredrikinLondon/⁠⁠


    2026 Strategy and Your North Dec 28, 2025
    Show notes

    In this final episode of 2025, Fredrik looks forward to 2026, encouraging listeners to treat the year as a strategic deal. He emphasises the importance of clarity, focus, and intentionality in personal and professional growth. Introducing the concept of AIM (AI Multiplier), Fredrik aims to help listeners multiply their ideas and act as catalysts for change. He also discusses the importance of relationships, urging listeners to evaluate their connections and remove energy-draining influences.

    KEY TAKEAWAYS

    Treat the upcoming year as a deal where you set clear objectives and outcomes. Reflect on what you want to negotiate, protect, and walk away from to ensure a successful year.

    The concept of AIM (AI Multiplier) emphasises the importance of having a clear target and working towards common goals, whether in personal or professional contexts. This framework encourages collaboration and alignment within teams.

    Prioritise building assets rather than just engaging in busy work. Structure your efforts to create sustainable value that can work independently of your direct involvement, leading to increased freedom and business opportunities.

    Your intellectual property, such as books and podcasts, should be strategically developed to attract the right audience and create opportunities. Focus on producing quality content that can generate interest and engagement.

    Balance your professional ambitions with personal well-being. Establish non-negotiable health habits, such as regular training and adequate sleep, to maintain your physical and mental health while pursuing your goals.

    BEST MOMENTS

    "I want my content to you to be a reaction that you can act on."

    "You need to say no to more things. And that goes for me as well."

    "Assets can work with or without you."

    "If you don't get attention, you can't get attraction."

    "Your wealth without your health is not worth so much."


    Books by Fredrik Sandvall

    Options Strategy: Build to Keep. Ready to Sell Tomorrow.

    For founders and CEOs who want businesses that compound in value, stay under control, and are always sale-ready.

    ⁠⁠https://amzn.to/4pwVhoi⁠⁠

    The Abyss of Finance: Trust, Leverage and the Cycles of Collapse

    For investors and leaders who want to understand why financial systems break before they do.

    ⁠⁠https://amzn.to/3YsRKfI⁠⁠

    About the Podcast

    Invest in You is a global podcast where entrepreneur and investor Fredrik Sandvall shares practical ideas and conversations with founders, investors, and operators. Episodes focus on investing, entrepreneurship, and building long-term control and freedom.

    Occasionally joined by his sons Ivan and Charlie, the show offers both experience-based insight and a next-generation perspective.

    Listeners in 155+ countries tune in to think clearer, act smarter, and build with intent.

    Community & Contact

    Podcast community: ⁠https://bit.ly/4jxF94k⁠

    Fredrik Sandvall

    LinkedIn: ⁠⁠https://www.linkedin.com/in/sandvall/⁠⁠

    Facebook: ⁠⁠https://www.facebook.com/FredrikinLondon/⁠⁠


    How to Buy Property Without Personal Guarantees Dec 17, 2025
    Show notes

    In this episode, Fredrik interviews Chris Fontaine, a seasoned real estate investor with over 34 years of experience. They discuss the current real estate market, emphasising that around 80% of the population struggles to secure mortgages, creating opportunities for creative financing solutions. Chris shares his journey from traditional real estate practices to innovative strategies that avoid personal guarantees and bank loans.

    KEY TAKEAWAYS

    Approximately 80% of the population in regions like the UK, US, and Canada is currently facing challenges in obtaining mortgages, creating a significant market opportunity for real estate investors.

    The approach of buying real estate without using personal guarantees or traditional bank loans is emphasised. This includes strategies like owner financing and lease purchases, which allow investors to acquire properties with little to no money down.

    Successful real estate transactions often hinge on understanding the seller's needs and motivations. For instance, some sellers prefer monthly payments for tax and estate planning reasons rather than a lump sum payment.

    Newer investors are encouraged to focus on smaller multifamily properties (four to ten units) that are free and clear of mortgages. This allows for more flexible terms and less competition compared to larger multifamily buildings.

    To achieve success in real estate or any other field, it's crucial to find a niche you are passionate about, seek mentorship from experienced individuals, and maintain focus for a minimum of three years to build a solid foundation.

    BEST MOMENTS

    "I would never, ever, ever buy a property in my personal name, ever."

    "Eighty percent of the population that has trouble getting mortgages right now, it's big."

    "You just solve for what they're trying to accomplish."

    "If you want to excel, like make 2026 your year, there’s no reason why you can’t."

    "You can pick any one of those classes. I just see very little competition in the smaller buildings."

    VALUABLE RESOURCES

    Chris Prefontaine

    Get a copy of Chris' FREE book here: 3paydaysbooks.com/invest Plus FREE shipping!

    https://www.linkedin.com/in/chrisprefontaine/

    https://smartrealestatecoach.com/


    Books by Fredrik Sandvall

    Options Strategy: Build to Keep. Ready to Sell Tomorrow.

    For founders and CEOs who want businesses that compound in value, stay under control, and are always sale-ready.

    ⁠⁠https://amzn.to/4pwVhoi⁠⁠

    The Abyss of Finance: Trust, Leverage and the Cycles of Collapse

    For investors and leaders who want to understand why financial systems break before they do.

    ⁠⁠https://amzn.to/3YsRKfI⁠⁠

    About the Podcast

    Invest in You is a global podcast where entrepreneur and investor Fredrik Sandvall shares practical ideas and conversations with founders, investors, and operators. Episodes focus on investing, entrepreneurship, and building long-term control and freedom.

    Occasionally joined by his sons Ivan and Charlie, the show offers both experience-based insight and a next-generation perspective.

    Listeners in 155+ countries tune in to think clearer, act smarter, and build with intent.

    Community & Contact

    Podcast community: ⁠https://bit.ly/4jxF94k⁠

    Fredrik Sandvall

    LinkedIn: ⁠⁠https://www.linkedin.com/in/sandvall/⁠⁠

    Facebook: ⁠⁠https://www.facebook.com/FredrikinLondon/⁠⁠


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