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    Business

    The Real Estate Way to Wealth and Freedom

    Are you interested in Real Estate Investing, but don’t know how or where to start? Are you a young professional or just starting to explore the possibility of investing in cash flowing real estate? The Real Estate Way to Wealth and Freedom podcast aims to help people just like you build wealth and achieve financial freedom through real estate investing, with a focus on investing in apartment buildings. With actionable content from weekly interviews with real estate investors, lenders, brokers, tax attorneys, and other real estate professionals, you’ll have the education necessary to begin your real estate investing journey. Jacob Ayers is a young professional who started investing in real estate at the age of 25. As a real estate investor and entrepreneur, Jacob aspires to help you achieve financial freedom through real estate investing. If terms such as passive income, lifestyle engineering, wealth creation, and freedom resonate with you, then you’re sure to get value from this podcast! If you want to live a life of fulfillment while doing the things you love, then this is the podcast for you!

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    Latest Episodes:
    256: Building Wealth Through Apartments with Mark Kenney Oct 22, 2019
    Show notes

    Mark Kenney

    Mark Kenney is a seasoned real estate investor, entrepreneur and founder of Think Multifamily. Mark started his real estate career over 20 years ago and has extensive experience in property valuation, acquisition, and operations. He has a passion for helping others succeed in the multifamily arena. Mark is invested in over 3,500 units and has a top-notch reputation among the multifamily investment community for providing exceptional value to investors and the community while being easy to work with.

    Mark is a 1993 graduate at Michigan State University, Accounting and is a CPA. Mark has also provided IT technical and business consulting for 20 years and is leveraging his vast IT experience to bring new creative technologies that will help others in the multifamily space. He has worked for large organizations such as KPMG Consulting, EDS, SAP, and HP; he founded Simplifying-IT in 2008 which provides IT services to fortune 500 companies.

    Key Points

    1. Turning the corner from small multifamily properties to large apartment deals
    2. How to position yourself to raise capital
    3. What value you can bring to partnerships
    4. Real estate is a relationship business – you have to build personal relationships
    5. Be willing to be scared

    Lightning Questions

    1. What was your biggest hurdle getting started in real estate investing, and how did you overcome it?
      • Mark’s biggest hurdle was the fear of raising capital. TO overcome that fear, he put himself out there by going to events and talking with people.

    2. Do you have a personal habit that contributes to your success?
      • Always stay humble and exercise.

    3. Do you have an online resource that you find valuable?
      • Google.com

    4. What book would you recommend to the listeners and why?
      • The ABC’s or Real Estate Investing by Ken McElroy

    5. If you were to give advice to your 20 year old self to get started in real estate investing, what would it be?
      • You don’t have to start out small. Find someone who is doing what you want, and learn from them.


    Resources

    Visit Audible for a free trail and free audio book download!

    Think Multifamily

    Email: Mark@ThinkMultifamily.com


    255: The Power of Your Mind – Friday Fundamentals Oct 18, 2019
    Show notes

    The Power of Your Mind

    A placebo is an inert (inactive) substance, typically a tablet, capsule or other dose form that does not contain an active drug ingredient. Placebos are often used in clinical trials as an inactive control so that researchers can better evaluate the true overall effect of the experimental drug treatment under study. In these clinical trials, one subset of patients would receive the placebo and one group would receive the experimental drug, but neither group is aware of which treatment they have received. In addition, researchers in the study would not know which patients have received active or placebo treatments.

    Why am I telling you this? Because I want to introduce and talk about the Placebo Effect. The Placebo Effect is defined as “a beneficial effect produced by a placebo drug or treatment, which cannot be attributed to the properties of the placebo itself, and must therefore be due to the patient’s belief in that treatment”.

    Let’s look at and well-known placebo study. I first heard of this study in Vishen Lakhiani’s book, Code of the Extraordinary Mind. This study and corresponding article titled “Mind-Set Matters: Exercise and the Placebo Effect” was lead by Harvard University Psychology professors, Alia Crum and Ellen Langer.

    In a study testing whether the relationship between exercise and health is moderated by one’s mindset, 84 female room attendants working in seven different hotels were measured on physiological health variables affected by exercise. Those in the informed condition were told that the work they do (cleaning hotel rooms) is good exercise and satisfies the Surgeon General’s recommendations for an active lifestyle. Examples of how their work was exercise were provided. Subjects in the control group were not given this information. Although actual behavior did not change, 4 weeks after the intervention, the informed group perceived themselves to be getting significantly more exercise than before. As a result, compared with the control group, they showed a decrease in weight, blood pressure, body fat, waist-to-hip ratio, and body mass index. These results support the hypothesis that exercise affects health in part or in whole via the placebo effect.

    I find the placebo effect fascinating, due mostly to the power of the mind. Everything we do starts in our mind. But strangely enough, it’s not necessarily what or how we do things that impact our outcomes, but rather our mindset. I had a coach that recently told me the only difference in feeling excited and feeling nervous is your mindset. The feeling is the same, and the only difference is your mindset. I think that the only difference in living an extraordinary life and an average life is your mindset. And the best part is, you can control your mindset.

    Your Mindset

    Let’s look at a few ways you can grow, change, and control your mindset.

    1. The world around is filled with both absolute truths and relative truths. Absolute truths are the things that are… well absolutely true. An absolute truth is the sun rises in the East and sets in the West. No matter who you are, this is true. A relative truth would be there are 2 political parties. This is true in some sense, yet only relative to U.S. politics. In other political systems, there are two political parties. To constantly grow and expand your mind, you can challenge these relative truths. Doing so will make you look at things in new perspectives, possibly even solving challenges with new solutions.
    2. Growth mindset vs. a fixed mindset. A fixed mindset is one that doesn’t change. The way things are now is the way they’ll always be in a fixed mindset. With no perception of abundance, one with a fixed mindset settles for how things currently are and thinks that’s the way they’ll always be. ON the other hand, a growth mindset is one that is constantly growing and changing. A person with a growth mindset understands that life is an ebb and flow of progress, status, success, etc. With a growth mindset, you realize that life is abundant and you’re constantly growing and learning.
    3. H

    “Most human beings underestimate just how powerful their thoughts are in creating the world around them.” – Vishen Lakhiani

    When I say “Engineer the lifestyle you want” all starts with your thoughts and mindset. With the right mindset, you can accomplish anything you can imagine. Your thoughts, nurtured by your mindset, turn into action. Little steps turn into larger steps. What started off as an idea will become a reality – your reality. Whatever you can imagine is completely achievable. Everything in this world was just once an idea in someone’s mind. The automobile, telephone, space travel, internet, and everything else was once just an idea.

    Your mindset if the foundation to your success. Without the right mindset, you won’t be able to build your life very far. But with the right mindset, the sky is the limit. Grow your mindset, question everything, always look for solutions to problems, and never quit learning. The thoughts you have today, will be your reality tomorrow.


    254: Commercial Real Estate Lending with Nick Chapman Oct 14, 2019
    Show notes

    Nick Chapman

    Nick spent 15 years in the lending side of banking. Originally focusing on residential mortgages but as a result of the financial collapse in 2008, he transitioned to business banking and was recruited to work for one of the largest privately held lenders in the country. Shortly after being introduced to Jake and Gino through some mutual friends in the real estate industry, Rand Capital was created as part of the Jake and Gino family of companies. Our goal is to serve our community of students with education about the different lending options available in the market along with providing financing for every deal possible.

    Key Points

    1. How and why banks lend on commercial real estate
    2. Agency debt – Fannie Mae and Freddie Mac – how they work
    3. CMBS – commercial mortgage-backed securities
    4. What lenders require and look for when lending on commercial assets
    5. How a commercial real estate broker can help you get the best financing
    6. Agency lending limits – how that impacts investors
    7. Interest-only terms, non-resource, and other unique features of commercial loans

    Commercial Lending Resources

    Rand Capital LLC

    Email Nick at Nick@RandCapLLC.com for a white paper


    253: Leverage – Friday Fundamentals Oct 11, 2019
    Show notes

    Leverage

    Leverage is a powerful tool. It can come in many different forms, from the mechanical leverage of a seesaw to the financial leverage of a real estate loan. We’re constantly using leverage in some form or another. Leverage defined is:

    1. use (something) to maximum advantage.
    2. use borrowed capital for (an investment), expecting the profits made to be greater than the interest payable.

    Financial leverage is simply borrowing money to invest, with the expectation of making a profit. Leverage, in the context of real estate investing, is debt. We’ve been conditioned to view debt as a negative thing, and rightfully so. But not all debt is created equal. There is good debt (the kind that others pay for you) and then there is bad debt (the kind you have to pay yourself). Leverage is an area where many real estate investors struggle because it can be counterintuitive in the sense that real estate debt can and usually is a good thing. Let’s look at how that can be true. Leverage magnifies your return on investment, both positive and negative returns. Let’s look into some investing metrics here. Two important metrics are Cash on Cash Return (CoC) and return on equity (ROE). Let’s take a duplex for example. This duplex purchase price is $100,000, and rents for $500/unit per month for a total of $1,00o total rents per month. One of the most important things we consider as real estate investors is the bottom line cash flow number – that is how much does the property profit per month, after paying all the expenses from the rental income. There are two ways we can look at this example: Scenario 1. We buy the property without leverage, and pay all cash for it. Scenario 2. We buy the property with leverage, by borrowing money from a bank and putting down 20% of the purchase price which is $20,000. Let’s look at Scenario 1 where we do not use leverage. The monthly break down looks like this: 1,000 in monthly rents – $400 in expenses (Vacancy, Insurance, Maintenance, Taxes, Utilities, Management) = $600 per month in positive cash flow Now let’s look at Scenario 2 where we use leverage and put down 20%. Our loan for the remaining 80% is a 30 year fixed rate with a 4% interest rate. 1,000 in monthly rents – $400 in expenses (Vacancy, Insurance, Maintenance, Taxes, Utilities, Management) – $382 for the mortgage (principal and interest) = $218 per month in positive cash flow At first glance, you might look at the $600/mo. cash flow of scenario 1 as outweighing the $218/mo. cash flow in scenario 2. But let’s compare the important Cash on Cash returns. Scenario 1: We paid $100,000 for the property in cash. The property makes $600/mo., which equals $7,200/year. $7,200/$100,000 = 7.2% Cash on Cash return. Scenario 2: We put $20,000 down for the property and it makes $218/mo., which equals $2,616/year. $2,616/$20,000 = 13% Cash on Cash return. That other important metric we mentioned is the Return on Equity, or ROE. Let’s calculate the ROE of each scenario. In both examples our $100,000 duplex appreciates 5% over 1 year. Scenario 1 (no leverage): After one year our property is now worth 5% more, or $105,000. We made $5,000 from the appreciation of our property. This $5,000/our initial $100,0000 investment = 5% ROE. Scenario 2 (with leverage): After one year our property is now worth 5% more, or $105,000. We made $5,000 from the appreciation of our property. This $5,000/our initial $20,0000 investment = 25% ROE. With these two CoC and ROE metrics, you can begin to see how leverage magnifies your returns.

    Leverage Your Way to Wealth

    “Savers are losers and debtors are winners.” – Robert Kiyosaki

    The ability to leverage debt is what makes real estate investing so powerful. When you use debt, you can control property for a fraction of the cost of that property, allowing you to spread your money across several different properties. When you invest your money across more than one propety you not only increase your returns with leverage, but you accelerate the velocity of your money. If you can control 5 properties with a 20% down payment for each, you then get to realize the appreciation for each of those properties, along with the leveraged Cash on Cash returns. Remember, you want to be a debtor as Robert Kiyosaki says.

    This concept can take some time to fully understand. On the surface, it may sound simple to you. Or it may sound like it doesn’t make sense at all. I encourage you to give it some thought and look at the numbers.


    252: Rockstar Real Estate Investing with Robert Martinez Oct 07, 2019
    Show notes

    Robert Martinez – the Apartment Rockstar

    Robert founded Rockstar Capital in March 2011 and since directed the growth of Rockstar’s portfolio to 19 apartment communities consisting of 3,243 rental units. He entered the multifamily industry in March 2007 when he co-founded a previous management company and oversaw operations of 11 apartment communities consisting of over 2,000 units. Since 2011, he has directed the underwriting, acquisition, and management of 30 apartment communities consisting of greater than 5,243 rental units.

    Robert holds an Engineering Degree from Texas A&M University and in 2013 earned the National Apartment Association Independent Rental Owner of the Year Paragon Award. Under Robert’s visionary leadership, Rockstar Capital and its staff have earned 15 city, state and national apartment awards as well as being named #15 in the Fast 100 Fastest growing companies with the Houston Business Journal. Robert shares a passion for soccer with his two boys, Ryan and Conner and enjoys supporting their daily efforts in local club soccer. Robert’s favorite saying is:

    “You only have one life. If you don’t like your situation, do something about it.”

    Rockstar Capital Management is a superior real estate organization founded in 2011 as an investment and property management company. With a dedicated hands-on approach, each of Rockstar’s communities are managed by a seasoned team of professionals that pride themselves in taking care of its managed properties and valued residents. Rockstar’s highly motivated and well-trained team provides the highest quality of service and expertise in managing multifamily properties.

    Members of Rockstar Capital Management are top in the industry and have received numerous awards for workplace excellence. It validates that their properties operate with market-leading occupancy, resident retention, and profitability.

    Key Points

    1. The myth of saving your money and retiring with a nest egg
    2. Breaking into the multifamily apartment space
    3. Building your network and marketing yourself
    4. Do whatever it takes to be successful
    5. Buy one deal and guard it with your life
    6. Reputation is everything – you have to have a great online presence

    Lightning Questions

    1. What was your biggest hurdle getting started in real estate investing, and how did you overcome it?
      • Fear. You’re not taught about real estate investing in school. Overcome that by taking action. Real estate is not risky with the right education and action.

    2. Do you have a personal habit that contributes to your success?
      • Robert challenges himself and makes sure he’s constantly living the life he wants.

    3. Do you have an online resource that you find valuable?
      • Mentors like Grant Cardone and Gary Vaynerchuk

    4. What book would you recommend to the listeners and why?
      • Rich Dad Poor Dad by Rober Kiyosaki

    5. If you were to give advice to your 20-year-old self to get started in real estate investing, what would it be?
      • Don’t be afraid because you WILL figure it out. You have to try things – you’re built to succeed, not fail.


    Resources

    The Apartment Rockstar

    Rockstar Capital

    Apartment Rockstar Podcast

    Connect with Robert on Social Media here


    251: Lifestyle Engineering – Friday Fundamentals Oct 06, 2019
    Show notes

    Lifestyle Engineering

    When you were young, your parents probably told you when you grow up you can be anything you want to be and do anything you want to do. If you are anything like me, you dreamed of what that freedom would look like. For me, I was going to be an astronaut and explore space. I hung posters on my wall of Neil Armstrong, Buzz Aldrin, and Michael Collins. I had memorabilia and toys. Eventually, those thoughts of being an astronaut faded and I moved on to other things.

    Many people have their own versions of this story. Eventually, your childhood dreams get drowned out by homework, sports, middle school, then high school, eventually becoming just that – a childhood dream. Before you know it, you’re studying engineering or accounting, or culinary arts, or geography or something else at college. Next thing you know, you’re working a 9-5 for an employer living a life that you only halfway designed. What happened to that little kid with aspirations to go to the moon?

    Now why am I telling you all of this? It’s because those same promises your parents made you when you were young are still true today. You can be anything you want. You can do anything you want. You just have to engineer that lifestyle. So many people get caught up living a life that someone else designed. Let’s look at some ways you can engineer the lifestyle you want.

    How to Engineer Your Lifestyle

    First, it all starts with accountability. You, and only you, are accountable for your successes and failures. Sure, there are at times external factors, but you have to take those on as your responsibility.

    So when you set out to engineer a lifestyle you want, you have to have an idea of what that lifestyle looks like. Envision what your life will look like. Envision where you will live, what your day-to-day will look like, and even how you will define success. Once you know what it is you want, you can begin to create the blueprints of this lifestyle.

    In all likelihood, you’ll need income to support this lifestyle. Whether that’s passive or active income, is up to you. Maybe you like working in your current field, but want less stress and demands, and would love to work remotely. If that’s the case, then start taking the steps now to be able to do just that. Tim Ferris wrote a book called The Four Hour Work Week that provides a ton of great advice on how to build a remote work environment.

    Maybe you want to pursue something that inspires you but doesn’t pay the bills. In that case, you’ll need some passive income to support your lifestyle. Obviously here on The Real Estate Way to Wealth and Freedom, the preferred vehicle is through cash-flowing real estate. If this is your path, then start buying cash-flowing real estate that will allow you to live that life you want.

    As appealing as drinking mojitos on the beach, or relaxing on the slopes of your favorite mountain every day may sound, this alone probably isn’t enough to drive you nor fulfill you. You need a purpose. For a lot of people, that purpose is spending more time with family, or traveling to new places, or helping other people however you can. If you have a purpose, a reason why then you are much more likely to take action and engineer that lifestyle.

    This advice is only for those people out there who find themselves wanting something else. If you are perfectly happy with your life, then congrats! You have achieved what so many people long for. For everyone else, know that you have the ability to live a life you want.

    “If you don’t like something, change it. If you can’t change it, change your attitude.” – Maya Angelou

    It’s never too late to engineer a lifestyle you want. Time is our most precious resource. You shouldn’t spend it doing things that don’t fulfill you and bring you joy. With the right mindset and massive action, you can engineer a lifestyle of your dreams.


    250: Asset Management with with Ivan Barratt Sep 30, 2019
    Show notes

    Ivan Barratt is a multifamily owner and syndicator who specializes in FHA and Agency financed projects. Since 2010, Ivan Barratt has raised over 60 million in equity, acquired over 2500 units and grown BAM to a best-in-class management company. Today Ivan focuses his time on equity finance, acquisitions, and human capital.

    Barratt Asset Management is headquartered in Indianapolis, IN, and was formed in July 2010. BAM specializes in the acquisition and management of multifamily apartment communities. BAM provides an array of real estate services, utilizing the knowledge and strengths of its employees and local market expertise to achieve maximum benefit for community residents as well as investors. From humble beginnings, BAM has grown from the management of a few small properties to over $250 million in total assets under management and ownership

    Key Points

    1. Getting caught up in the speculation game, losing focus on the cash-flow game
    2. House hacking a duplex to 2,500+ units
    3. How Ivan has built a vertically integrated company
    4. Return on Equity vs. Cash on Cash returns
    5. Asset Management – what it means
    6. Why both the B and the I quadrant (from Rich Dad’s Cashflow Quadrant) are important

    Lightning Questions

    1. What was your biggest hurdle getting started in real estate investing, and how did you overcome it?
      • Fear and analysis paralysis.

    2. Do you have a personal habit that contributes to your success?
      • Ivan listens to good content on self-development, sales, and real estate.

    3. Do you have an online resource that you find valuable?
      • Podcasts, BiggerPockets, and Audible

    4. What book would you recommend to the listeners and why?
      • If You’re Not First, You’re Last by Grant Cardone
      • Maverick Real Estate Financing by Steve Bergsman

    5. If you were to give advice to your 20-year-old self to get started in real estate investing, what would it be?
      • Tell them all the things he’s figured out at 30 – focusing on cash flow!


    Resources

    www.BarrattAssetManagement.com

    Motiversity Youtube Channel

    Contact Ivan

    (317) 762-2625

    info@barrattassetmanagment.com


    249: Challenge Yourself- Friday Fundamentals Sep 27, 2019
    Show notes

    Challenging yourself is…. well, challenging. We all want to improve our lives, achieve more success, realize more happiness, and live a better life. Right? Well, we like to pretend we want those things. But do we really? Do our actions align with our words?

    You might dream of a lifestyle filled with exciting adventures, free of stress, and of course, plenty of money to do what you want. The question is, do your actions reflect your mindset? Do you work towards your goals, or instead do some mind-numbing activity like catching up on the 6 TV shows you follow, scrolling through social media, only to see a bunch of stuff you don’t care about or any other non-productive use of your time?

    If you’re completely happy with your life, then this conversation isn’t for you. But, if you find yourself wanting more, but not sure how to achieve it, then I have one simple suggestion – challenge yourself!

    If you think that you are too busy to take on something important, I encourage you to audit your daily routine. Where do you spend time that could easily be spent instead on something more productive?

    If it’s fear that’s holding you back, try to understand why. Then figure out how to overcome that fear. Chances are, it’s probably not that big of a deal.

    No matter what, challenge yourself.

    In order to grow, you must challenge yourself. Do things that you aren’t good at. Do things that you know you need to but don’t want to.

    When you take on a new challenge, you’ll probably be pretty bad at it. But you’ll eventually suck less and less, until you actually become good. This in itself is a rewarding process. The best part is it can be anything you want – investing in real estate, running, Brazilian Jiu-Jitsu, cooking, or even crocheting.

    If you don’t challenge yourself, you will never realize your full potential. You’ll never know what you’re truly capable of.

    Some people have a habit of avoiding things they need to do by busying themselves, either with legitimate or made-up work. Being busy isn’t a good metric. You can be busy on the wrong things, or for the wrong reasons.

    Don’t let being busy be your crutch for challenging yourself. You’re likely not as busy as you think.

    So take on new challenges. Grow as a person. Find your true potential.


    248: Streamlining Your Accounting with Devin Redmond Sep 23, 2019
    Show notes

    Devin Redmond

    Devin Redmond has acquired, developed, and managed investment property both professionally and personally across Northern California since 2005.

    He is currently Head of Customer Success at Stessa, a free software platform that gives the millions of real estate investors with single-family rentals and multifamily buildings a powerful new way to track, manage, and report on all of their properties in one place. Devin’s long-running love-hate relationship with Excel uniquely positions him to help end investors’ reliance on spreadsheets once and for all.

    Key Points

    1. Tracking your properties income and expenses without pulling your hair out
    2. Using an accounting system to prepare for loans and tax filings
    3. Using automation to help prepare tax forms for your rental properties
    4. Maintaining documents and keeping track of receipts

    Stessa

    Stessa helps both novice and sophisticated investors make informed decisions about their property portfolio. Here’s what you can do with Stessa:

    • Track unlimited properties (single-family, residential multifamily and short-term rentals)
    • Access your portfolio from anywhere
    • Get performance dashboards at the portfolio and property level
    • Collaborate with partners & family
    • Automate income and expense tracking
    • Get bank-grade security to protect your data
    • Organize and store all your real estate documents
    • Track expenses on the go with the iOS app
    • Run unlimited monthly reports (income statement, net cash flow, capital expenses)
    • Get resources to help you scale and optimize
    • Export tax-ready financials (makes tax time a breeze!)
    • Stay up to date with the latest real estate news that matters for investors

    Resources

    Stessa.com – Free financial management software for investment property owners

    Stessa Blog

    Visit Audible for a free trial and free audiobook download!

    Contact

    Phone: +1 (415) 985-7837

    Email:contact@stessa.com

    Twitter: @stessaHQ


    247: Live Abundantly Now – Friday Fundamentals Sep 20, 2019
    Show notes

    Live Abundantly

    As Keith Weinhold says, the abundance mentality is scarce, and the scarce mentality is abundant. This is so true. On the surface, this sounds simple. But we’re going to dive into this and explore how to live abundantly now. Even successful entrepreneurs and sophisticated real estate investors can lose sight of this.

    I don’t want you to try to sacrifice, skimp, and shrink your way to wealth. In fact, it’s not even possible. But there’s something ingrained in our DNA that says to do those things. The basics we take for granted today haven’t always been so certain for our ancestors and even still a large part of the world today, like food, shelter, clean water, much less wealth, success, and a life of prosperity.

    As a loyal listener of the show, you understand that you are capable of living a life of abundance. But are you living abundantly now? After all, that is the point. If not now, then when?

    A life of abundance doesn’t start once you’ve “made it”. It doesn’t start after you’ve become successful. It starts today. Living abundantly is just as much a mindset as it is a lifestyle.

    In particular, real estate investors tend to be guilty at postponing the abundance mentality under the premise of saving for that next deal and building an empire.

    How to Live Abundantly

    Live abundantly now. Embrace the abundance mentality in your day to day life. If you start thinking abundantly, you will start acting abundantly, and then you will live abundantly. Let’s look at some ways in which you can live abundantly now.

    Reward yourself for small wins. Every time I close on a new rental property, I go on a short trip.

    Livin abundantly doesn’t have to be extravagant. You can live abundantly and not break the bank. For example, you could take a mid-week getaway to remind yourself of what having freedom feels like. Want to explore a local national or state park? Pick up and go do that. By doing the things you like, you’re reminded why it is you work so hard towards building a life you want.

    Another way is to go to conferences. I know this may sound strange. At conferences, you network with all different types of people, who can remind you that there is so much success in the world. So next time you see that conference advertisement, go check it out.

    Living abundantly doesn’t necessarily mean posting videos of your 3 different supercars, taking luxurious vacations, or donning a collection of expensive watches. Living abundantly can mean living a life you want without any limits. Think abundantly. Act abundantly. Live abundantly. But don’t stop there. Encourage others to do the same. Not everyone shares this mentality. Remember, the abundance mentality is scarce. It’s up to you to create a life of abundance for yourself. Remember, there is no ceiling to success. So get out there and engineer a lifestyle you deserve filled with abundance.


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