Learn How To Protect and Boost Your Wealth Now! π
Summary
TLDRThe video script features an inspiring conversation with MC Lobster, a wealth strategist, educator, and host of the 'Cash Flow Ninja' podcast. Born in South Africa, MC shares his journey to the United States and how the country's opportunities for upward mobility deeply impressed him. He emphasizes the importance of taking action, as illustrated by his experience of purchasing his first property within six months of reading 'Rich Dad Poor Dad.' The discussion delves into the concept of freedom and sovereignty, highlighting the significance of aligning one's actions with their purpose and being disciplined in investments. MC's story is a testament to the power of seizing opportunities, the value of building a diversified portfolio, and the impact of creating a life that is both financially free and personally fulfilling.
Takeaways
- π **Opportunity in the U.S.**: The United States is presented as a land of opportunity where individuals can achieve success through hard work, talent, and innovation, regardless of their background.
- π **Self-Made Success Stories**: The script highlights numerous examples of individuals who have risen from poverty to become self-made millionaires and billionaires in the U.S.
- π **Excellence as a Goal**: The speakers emphasize the pursuit of excellence as a guiding principle for their work and personal development, which involves a deep dive into their business operations.
- π **Detail-Oriented Approach**: Achieving excellence requires a meticulous approach, which includes creating detailed CEO dashboards for each company to track critical metrics and activities.
- β° **Time Blocking for Productivity**: The importance of blocking time on calendars for deep work is underlined, showcasing a commitment to focused and efficient work sessions.
- π€ **Collaboration and Teamwork**: The process of involving team members through questionnaires and anonymous feedback is mentioned to gather insights and foster a culture of contribution.
- π§ **Critical Thinking and Learning**: The value of critical thinking and continuous learning is discussed, with the speaker sharing his background in history, economics, and his love for contrarian views.
- π‘ **Real Estate Investing**: The speaker's journey into real estate investing is outlined, from buying his first property to becoming a wealth strategist and educator, emphasizing the role of action and discipline.
- πΌ **Entrepreneurial Spirit**: The narrative of starting at the bottom and working up is highlighted, showing the immigrant mentality of seizing opportunities and creating a better future.
- π **Global Perspective**: The speaker's South African origin and experiences provide a global perspective on the unique advantages and freedoms available to those who pursue their dreams in the United States.
- π **Networking and Partnerships**: The importance of building a network and partnering with others in real estate and business ventures is discussed as a pathway to success and financial freedom.
Q & A
What is the main theme of the 'Freedom Show' podcast?
-The main theme of the 'Freedom Show' podcast is to explore different ways individuals can achieve freedom, with a particular focus on time freedom and geographic freedom.
What was MC's background before coming to the United States?
-MC is originally from South Africa and grew up during a time of significant political transition. He had a background in history and economics, and he was also involved in sports.
How did MC's experience in South Africa influence his perspective on the United States?
-MC's experience growing up in South Africa during a time of uncertainty and change made him appreciate the opportunity for upward mobility in the United States. He was struck by the fact that in the U.S., one's background does not necessarily determine their future success.
What book had a significant impact on MC's life and why?
-The book 'Rich Dad Poor Dad' by Robert Kiyosaki had a significant impact on MC's life. It opened his eyes to the world of opportunity in real estate investing and inspired him to take action by buying his first property within six months of reading the book.
What is the concept of 'infinite banking' and how did MC apply it?
-Infinite banking is a concept where an individual acts as their own bank, using cash flow from investments to create wealth. MC applied this by investing in real estate and other businesses, creating a diversified portfolio and reinvesting the profits to grow his wealth.
What is the 'Snowball Effect' as mentioned by MC?
-The 'Snowball Effect' refers to the compounding impact of consistent, disciplined investment and action over time. MC used this analogy to describe how small, regular investments and actions can accumulate and lead to significant wealth and success.
How does MC define 'freedom' and 'sovereignty' in the context of his life?
-MC defines 'freedom' as the ability to live life on one's own terms, including having the time, money, and purpose to do what one loves. 'Sovereignty', for him, involves being decentralized and independent from systems, ensuring that he is not overly impacted by external disruptions.
What is the role of a General Partner (GP) in a real estate syndication?
-A General Partner (GP) in a real estate syndication is an active member of the deal, involved in underwriting, due diligence, property management, or asset management. They contribute value beyond just capital, often taking on operational responsibilities.
What is the role of a Limited Partner (LP) in a real estate syndication?
-A Limited Partner (LP) is a passive investor in a real estate syndication. They invest money into the deal but do not take part in the day-to-day operations or management of the property.
How does MC describe the journey of building wealth through real estate and investments?
-MC describes the journey as one that requires discipline, a clear understanding of one's goals, and the willingness to take action. He emphasizes the importance of reinvesting profits, diversifying investments, and continually learning and adapting.
What advice does MC give to individuals looking to achieve financial freedom?
-MC advises individuals to define what freedom means to them, set clear goals for the future, and live in a way that aligns with those goals. He also encourages investing a portion of income, starting with as little as 10% and increasing over time, and focusing on building a diversified portfolio.
Outlines
π Introduction to the Freedom Show and Embracing the American Dream
The speaker emphasizes the American ethos of opportunity, where hard work and determination can lead to success, as illustrated by the stories of self-made millionaires and billionaires. The host, Flip, and his co-host welcome listeners to the Freedom Show, reflecting on their experiences over the holidays and their excitement for the new year. They discuss their focus on excellence and detail-oriented deep dives into their businesses, aiming to optimize operations across their companies.
πΌ Deep Dive into Business Operations and the Creation of a CEO Dashboard
The hosts share their strategic approach to business management, which involves blocking time to deeply analyze and improve their companies' operations. They have created a CEO dashboard to track key metrics and activities, sending out questionnaires to their team for insights. This has led to the identification of areas for improvement and a renewed sense of excitement about their business endeavors.
π Welcoming Guest MC Lobster and His Impact on the Show
The hosts express their enthusiasm for their guest, MC Lobster, a wealth strategist and host of the 'Cash Flow Ninja' podcast. They discuss how they were introduced by a mutual contact and their eagerness to learn from his experiences and insights. MC Lobster's background as a South African immigrant and his journey to success in the United States is highlighted, emphasizing his unique perspective on the opportunities available in America.
π The Power of Education and 'Rich Dad Poor Dad' as a Catalyst for Action
MC Lobster shares his personal story, including the impact of reading 'Rich Dad Poor Dad' by Robert Kiyosaki, which inspired him to take action towards financial freedom. He talks about his early investments in real estate, the lessons learned from managing properties, and his realization about the importance of cash flow and financial literacy. His narrative underscores the significance of self-education and critical thinking in achieving financial success.
π¦ Becoming Your Own Bank: The Philosophy of Infinite Banking
The guest explains the concept of 'infinite banking', which involves using one's own capital to finance investments rather than relying on traditional banks. He discusses the interconnectedness of financial systems and the importance of creating a personal banking system. This approach has been a key factor in his journey towards wealth creation and financial freedom.
π€ The Shift to Multi-Family Real Estate and Partnerships for Growth
MC Lobster details his transition from single-family homes to multi-family real estate, emphasizing the importance of partnerships and collaboration. He talks about the value of investing with experienced operators and the shift in mindset required to achieve true financial freedom. His journey illustrates the power of aligning with the right people and focusing on adding value to investments.
π° Building a Diversified Portfolio and the Role of Discipline in Wealth Creation
The host discusses the importance of discipline in building wealth, emphasizing the need for a clear vision of one's financial goals and the commitment to saving and investing a significant portion of income. He shares strategies for generating capital within businesses and investing in assets that provide returns, reduce taxes, and appreciate over time, highlighting the 'snowball effect' of consistent investment and reinvestment.
π Freedom and Sovereignty: Defining Success Beyond Financial Independence
The conversation explores the concept of 'sovereignty', which involves creating a life that is resilient to external disruptions and capable of self-sufficiency. The guest discusses the importance of being free yet sovereign, having control over essentials like food, water, and power. This holistic approach to freedom ensures that individuals are not only financially independent but also capable of weathering unexpected challenges.
π‘ TurnKey Real Estate Investments: A Blend of Active and Passive Investing
The hosts introduce TurnKey properties, which are cash-flowing real estate investments that require minimal active involvement from the investor. These properties are sold at value without markup and offer a good entry point for investors looking to build passive income streams. The hosts' company offers a vertically integrated service, handling everything from property rehab to management, making it an attractive option for those interested in real estate investing.
π The Freedom Show's Commitment to Excellence and Future Episodes
The hosts wrap up the episode by inviting feedback from listeners and encouraging reviews on iTunes. They express gratitude for the opportunity to bring on guests like MC Lobster and look forward to future episodes. They also mention their commitment to providing excellence in their podcast and adapting based on listener feedback, emphasizing the importance of continuous improvement and innovation.
Mindmap
Keywords
π‘Upward Mobility
π‘Self-Made Millionaires and Billionaires
π‘Investing
π‘Real Estate
π‘Financial Freedom
π‘TurnKey Properties
π‘General Partner (GP) and Limited Partner (LP)
π‘Snowball Effect
π‘Sovereignty
π‘Purpose
π‘Relationships
Highlights
The United States is presented as a land of opportunity where individuals can achieve success through hard work and talent, regardless of their background.
Self-made millionaires and billionaires are highlighted as examples of the American dream in action.
The importance of adaptability and recognizing the purpose in every season of life and business is emphasized.
The concept of 'Excellence' as a guiding principle for the year 2024 is introduced, with a focus on attention to detail and deep dives into business operations.
The hosts share their strategy of blocking time on their calendars for deep work sessions to improve their companies.
The creation of a 'CEO dashboard' to track critical activities and needle-moving metrics is discussed.
Anonymous questionnaires are used to gather team insights and foster a culture of continuous improvement.
The impact of scaling a business beyond 50 employees and the need for structural changes is addressed.
The transformative power of asking the right questions and re-evaluating business operations is explored.
The guest, MC, shares his journey from South Africa to the United States and his observations on the opportunities available in America.
MC's experience with the book 'Rich Dad Poor Dad' and its influence on his approach to wealth creation and real estate investing.
The strategy of partnering with other operators in real estate deals as either a limited partner (LP) or general partner (GP) to scale investments.
The 'Snowball Effect' as a metaphor for consistent action leading to significant growth and success over time.
The importance of discipline and living in alignment with one's long-term goals to achieve financial freedom.
The concept of 'sovereignty' as a complement to freedom, emphasizing self-sufficiency and resilience in the face of uncertainty.
MC's passion project, the 'Cash Flow Ninja' podcast, which has grown into a significant educational platform.
The hosts' discussion on the value of TurnKey real estate properties as an investment opportunity that combines elements of passive and active investing.
Transcripts
in the United States is like hey bring
your talents bring your ideas bring your
game bring your work ethic and you could
do whatever you want here that is why
you look at the self-made Millionaires
and billionaires in this country I mean
you have people coming we could throw
around so many names but literally
growing up in poverty and they become
billionaires hey everybody Welcome flip
and Danny here welcome to another
episode of the freedom
show it seems it's been years since I've
done that sorry I had to say that happy
2024 happy 2024 uh we survived uh uh the
holidays um I mean this isn't the very
first episode of 2024 but we survived
all the holidays we survived uh family
yes we survived travel we survived
everyone else being sick around us the
entire time we were on vacation yeah I
actually got under the weather a little
bit there too it was it was minor it was
it was minor uh but uh welcome to
another episode uh we're super excited
about this um uh MC was someone that uh
uh when we were introduced uh where
we're getting ready to be introduced to
him you know I looked him up and I I got
super excited you know anyone who has a
show called Cash Flow ninja I'm like I
must meet this guy yes yeah he's super
cool uh but before we get into the show
we wanted to share with you a little bit
about um what's going on here in 2024 um
so we are recording this um you know a
couple weeks into 2024 it's going live
um here in the next uh few days so if
you're listening to this um you actually
are catching us probably a week prior to
this um you know going live so um you
get a real sneak peek into what we're
doing right this moment and uh flip and
I were just discussing you know the
seasons of you know life and of business
and that there's always a purpose to
every season um in what you're working
on and so you always have to be able to
adapt and um continue on in a different
way so that you can Thrive and for us
here in the first quarter of 20124 um we
have decided to go and do a deep dive
yes um so we told you in a previous
episode that our word for 2024 is
Excellence um and I think Steve in our
meeting today actually came up with a
new word I can't even remember I said oh
we got two words for the year
but um uh yeah excellence and so in
order to achieve Excellence it really um
takes attention to detail and in order
to run six companies um and be preparing
to launch a couple more here this year
um to get into great detail means we
have to go deep and in order to go deep
we have to block time on our calendars
which is not easy to do yes I was just
texting with Steve this uh this
afternoon after our morning meeting and
uh we were like boy these meetings are
incredible they're really moving the
needle um and he kind of joked back he
says expensive meetings but they're wor
yes and uh that's so right so what deep
dive kind of means to us and how we
structured it uh is every single day for
three hours a day um flip and I and our
President Steve are blocking off um uh
the morning for those three hours in
order to Deep dive into a company um so
with six companies we've actually
blocked out the next six weeks um the
very first day was Monday of this week
or Tuesday because New Year's Day we
weren't working um uh so Tuesday of this
week we had the very first day and we
created our first Dash dashboard so
we're calling it um a CEO dashboard and
at the beginning of every single file
it's got the company's name and uh we're
really just kind of creating um all of
the things that we want to be asking um
in a different way a little bit like
we're starting from scratch like if we
are just going to build this company
right now what would we be looking at
you know what what are the things that
are critical to this company what what
are the needle moving activities the 20%
that moves the 80% of activities and so
we built this dashboard with a bunch of
tabs in in in session one um that we met
with just Eve and uh we created what we
think we're going to use exactly for
every single company for the next six
weeks um and then the next day um
actually after that first meeting we
sent out questioneers to our team that
actually asked questions as if we were
starting the money the the the the
company from scratch right right so
there were questions that um uh were
like um you know what is your role what
do you think is the key thing that
matters to your role what's the needle
moving activities um who's providing
value the most value to you right now um
just questions and we allowed it to be
an anonymous thing where they tell us
who they are so that we can go dig in
deeper but it's not something that's
necessarily shared with the teams right
that they can you know feel like hey I'm
actually contributing and helping here
um uh achieve the word for the year
excellence and so we got those in for
the very first company um and so session
two was really um us giving time for the
team to give those questionnair back to
us and us then creating the dashboards
for each company thereafter and when we
say each company we don't even mean just
the companies so we're actually doing
departments within the companies too so
we have some shared resources um and
that's financials it's operations and
it's marketing those are shared
resources within our family of companies
so they have their own dashboard um and
so it has been or three days in and it
is been one of the greatest exercises
for us to do um and it's just really
proved like this is what's going to
change the game this year and every time
you say we're going to change the game
it's usually something new depending on
the season of business that you're in
right and so uh I just thought that
would be worthy to talk about yeah you
know I excuse me I I had to be uh you
know when I first heard about doing this
I was like oh this is going to be
exciting yeah and then when I heard
about CU originally it was 4-Hour
meetings every day yes yes and I was
like Oh I thought this was going to be
fun but then we moved into 3our meetings
and I was like
oh but after I mean we're only well we
got one more day left this week but I'm
like this I'm super stoked about this
this is s like just one three-hour
meeting I want to stick a fork in my eye
you know but this we've gone through
three you know and and it's been I'm I'm
I'm ready for tomorrow let's go you know
because it's it's exciting you know and
it's it's uh uh so what's your job well
I rent properties oh okay great thanks
no how do you rent the properties and uh
where do you put them how do you put
them there do where do they go what what
what uh software do you use how do you
do this how do you tell those people how
do you communicate you know it's it's
all the little tiny questions and and
gosh we we got into it and some of those
little tiny questions well we're like
what no they're shouldn't be a well you
know and so it's uh it's exciting and
and because those little things are
going to be you know it's the little
thing down here but it's huge up here uh
you know the trajectory and so it's
that's why it's super exciting yeah I
was really excited today so today was
the very first time we brought in a
leader from one of the companies that
we're working on and went through some
stuff with him and um it was really eye
openening um exactly what you were uh
talking about about how we think that
things are running you know pretty
smoothly we know we have some gaps and
we walked into this week for this
company knowing hey here's the gaps we
actually have an issues Tab and on the
issues tab we already put down items
that we knew we were going to want to
talk about um but today we added
numerous more why because we took the
time to put aside to actually start
digging you know and like what is that
you're like uh when when you're like you
know you're just kind of digging that
hole into the ground like with what you
know your little hand shovel or
something you're just going let's see
what's down there and let's shine a
light on it and we go oh what's that
okay I think we need to fix that um so
uh it's just a um it's like a clog and a
a plumbing pipe I guess that would be a
better analogy of of we're looking down
the plumbing pipe and seeing hey there's
some muck right here and if we take that
muck out then everything's going to run
a little bit more efficiently um and
we're going to be more productive and
effective and so um today was really
exciting so what I really wanted to uh
why I wanted to share that is because I
love sharing things that we're just
because a lot of the um uh people in our
Network are active investors and passive
investors and so um when you're working
in the active side of business even if
it's not real estate um uh so many times
I take lessons from other business
owners and what they're doing in their
business at this moment and one of the
things that um uh was uh that I thought
of when we were creating this exercise
to do um was one of the companies that
we follow and um how they said hey after
you get over 50 employees it's a totally
different ball game you have to change
everything that you do and we are at 64
now I just looked at in in the one of
the chat we have these different in
Google uh Google workspace we have these
different chat rooms and one of them's
called ffi Allstars it's because we
think of our team as you know the
allstar team um and so um in that you
always look at the top and you can see
how many people are in it that tells us
how many team members we have that's
literally how I check and see you know
how we've grown and where we're at
because we're not part of the hiring
process um anymore for the companies as
they grow um and so I was like 64 and I
went oh they said after we reached 50
we're going to have to
change and here we are automatically T
doing the work that we didn't I didn't
make the connection before now um
because this is the very first time that
we said we are going to dedicate six
weeks of three hours a day with the top
three people in the company and then
bringing the leader of every single
company into it at some um uh some point
or the other um or the leader of a
department if it's financials marketing
or um operations um so uh that is a very
expensive you know block of time and I
think that's probably why we haven't
done it before we've been able to
accomplish things in a much shorter
periods um but this time we're like hey
let's just go in let's you know um think
about what it's going to look like after
six weeks right we're just going to be
like whoa look at what we did to 2024
and you know how that's going to change
the game for us so I thought it was
really uh cool to share um because I
love it when other business owners share
their you know Insider secrets and what
they're doing behind the scenes with us
um whether it's on a podcast or in a
private meeting I love taking those gold
nuggets and then applying it um
depending on what's relevant um for me
in our business in our in our lives so
yeah and with weekly three-hour meetings
and all the companies we have we should
be done right around July 4th stop
it so anyway so uh let's talk about mc
mc is our guest today you're going to
learn more about who he is um what he
has accomplished he is such an exciting
guest he's from South Africa um and I
love that I love listening to him talk
yeah I don't know what it is about South
African accents it's it's different than
I mean it's different than other accents
but I don't know what it is about South
African accents that I love more than
other accents yeah I just it's just he
started talking I'm like oh he's from
South Africa
you but it's uh you're going to get to
hear his freedom story today um and I'm
really really EXC excited for you to
hear this because this is true coming
from South Africa and coming to the
United States listen to the perspective
that he has and um how his eyes are so
wide open and it made me realize even
during the episode that I don't take our
lives for granted I don't take living in
the United States of America for granted
but when he started talking about it I
went well maybe I do holy heck I mean
think about his perspective and and
where he's at life and how he's talking
about it I was like wow this is so
incredible um so it's a really great
episode his freedom story um is just
amazing you're going to enjoy it and I'm
excited for um us to be able to share it
with you so yeah so we'll see you here
when we're done with this first half of
this interview because this one was a
doozy it went went long and so we broke
this one up uh so this is part one so
enjoy the
[Music]
show
[Music]
you're tuned in to the freedom show we
are in the studio having a conversation
we're really excited to share with you
today's guest is MC lober welcome to the
show
MC so good to see you guys been looking
forward to this
conversation yes it's been actually a
week since we talked to you um uh and so
we're super excited to be hearing um all
about you what you've got going on but
before we dig in flip is going to um
just tell everybody a little bit about
you yeah and uh I did want to quickly
say uh um my last name gets
mispronounced every day all the time so
I hope that I pronounce your last name
correctly no problem ler no problem
beautiful all right uh MC Lobster is a
wealth strateg strategist educator and
cash flow coach he is the Creator and
the host of the popular and top rated
business and investing podcast cash flow
ninja and president of producers wealth
a wealth creation firm helping clients
and 50 states Implement holistic wealth
creation strategies his purpose is to
help producers and creators create
protect and multiply their wealth in any
economy and Market his mission is to
help producers and creators Achieve
Financial Freedom as soon as possible so
that they can live their legacy today on
their terms MC challenges existing
societal belief systems and
misinformation around Concepts such as
money saving investing wealth and
retirement welcome welcome to the
show I love it so I wanted to say
something real quick before we get into
um uh your freedom story um so we were
connected by Keith winhold um and I tell
everybody uh that this show um this is
the very first time we started bringing
on guests um we've always kind of done
pilot episodes um ourselves and uh we
said hey let's start bringing on our
Network you know the people that we know
like and trust and let's introduce them
to our community um and so um through
our Network Keith winhold introduced us
uh to you and we are so so thrilled
because I hold Keith in such a high
regard we have been working with him um
for over four years now and I said hey
Keith if you were going to recommend me
to anybody in your network um who would
it be and it was you so I am just
thrilled to have you here on the show to
introduce you to um our Network um and
to just learn more about you in the
process so uh we always like to start
these uh podcasts off off with your
freedom story because everything we do
is about freedom and all the different
ways you can um achieve it for flip and
I time freedom and geography Freedom
happen to be at the very top of our list
um and so you shared a quote with me
that I won't um get into just in case
you share it on your own but um if you
could just tell us um more about you
your story and how you achieved freedom
and what Freedom means to you that's a
great question um so I'm originally from
South Africa and I grew up during a very
interesting time in South Africa's
history um and as a young man too I mean
that we we had a transition of
governments uh you know and I I was 13
14 years old when this all this stuff
kind of happened uh so there was a lot
of uncertainty there was a lot of uh I
would say tur it was turbulent it was a
very turbulent environment a lot of
unknowns uh pretty chaotic it's funny we
humans behave in very strange ways when
we have uncertain certainty and there's
a little bit of disruption and chaos and
we're out of our comfort zone right so
collectively you know then the
environment's very very volatile so that
was actually a huge gift for me I didn't
realize that at the time but being 13 14
years old to go through that I mean um
this is a while back now but I mean it's
kind of crazy to to you recollect
certain things that you saw you know you
basically had a country prepar for Civil
War at that stage and no one knew what
what it was going to look like how this
was going to play out and end up um so
anyway as an investor and on my journey
that was a great tool to put in the
backpack having lived through that
experience um and then I I I graduated
University also in South
Africa um and then I I traveled around a
little bit and then I ended up in the
United States I ended up playing uh
Sports in the United States um and
coming from coming from South Africa
having seen a little bit of um you know
and traveled a little bit uh I was just
blown away by the United States at that
stage I landed here in 2001 you want if
you can believe it but yeah time flies
when you're having fun the one thing
that uh impressed me so much about the
United States was the incredible
opportunity for up upward
Mobility I don't think Americans
understand that they take it for granted
a lot of stuff here in in in the United
States they take for granted and I mean
that struck me like a brick right there
on the head I'm like wow so you can
literally come from anywhere any
background uh and like just build your
dream here and the only thing holding
yourself back is you that's kind of
insane because as most International
people would know if you travel around
the world it isn't that way in other
countries right usually where you start
is uh there's a very high probability
that's where you end up um just because
of how Society is structured uh and
every you know every continent every
country is different but in the United
States it's like hey bring your talents
bring your ideas bring your game bring
your work ethic and you could do
whatever you want here and there I mean
that is why you look at the self-made
Millionaires and billionaires in this
country I mean you have people coming I
mean we could throw around so many names
but literally growing up in poverty and
they become
billionaires yeah not a bad place to be
in if this is what you can achieve here
right not bad everybody's got problems
right uh but that's right that's not a
bad that's not a bad thing um so yeah
that really blew me away so while I was
um playing
sports and traveling and playing in a
sports League here at that time a rugby
league um you know I I had a background
in history and economics and I love
reading and studying and learning and
I'm also a very big CR critical thinker
and not just I just don't just study
economics and history I try to get as
many different opinions and Views and
you know kind of backstory as I I can
again back from my South African
background right um and I love I love a
contrarian kind of views too because it
challenges your thinking um and then I
came across my mom actually gave me a
book while I was
while I was playing in that League to
read on the road it was Rich Dad bat by
Robert Kaki yes and um it just
completely blew me away it's a purple
book moment that I that I call or refer
to um and in it it just open an
incredible world of opportunity and
number one I'm blowing away about being
in the states and seeing what's going on
here uh and then number two you have
that book and it's like hey you're a not
only are you in a different environment
that provides endless opportunities
here's a different Paradigm to adapt to
and uh I finished the book I took action
I bought my first property within six
months wow uh after reading that book
and the you know the in hindsight if I
look back now it was a blessing being so
young to do that because you don't know
what you don't know and you're just like
I'm gonna go for it let's do this um and
I had that sport mentality too that you
know I'm gonna like I'm G to figure this
out and I I can I can grind this out and
put in the work I'm not afraid of put in
the work so um uh I put some tenants in
and I I I used the the funds that I made
playing sports I used that I actually
bought a property um back in South
Africa my first property um and this was
in a in a town uh that a lot of people
were moving to that commuted it's it's
it's in the um K Town metropolitan area
and a lot of people were moving to that
part um for Comm because it's a pretty
short commute to Cape Town it's
beautiful beach um and it's kind of like
still it was very untapped up and coming
so I I put some tenants in there some
renters and they paid rent um collected
the rent paid all the bills associated
with it and at the end of the month
there was money left over and I looked
at this and I'm like are you kidding me
just like in the book this is
incredible it works yeah and then and
then I said how many times can I do this
like you do how many times can I do this
because if I have this and this produces
you know cash flow how many of these um
places can I can I buy um and then of
course school starts right then you
learn hey sometimes people don't pay and
those bills still got to get paid hey
sometimes people CA damage to property
fun fact right real estate advancers are
probably laughing um you get un
undesirable tenants you know you get
there's a lot of Challen alleng us um
but I think like that moment um and
having that success that really like
that was the light bulb the second light
bulb that I had and and I read Rich Dad
Poor Dad every year that book when the
students
ready uh the teacher
appears right I read you know I have the
philosophy we in especially in the world
of personal development people talk
about as reading as many books as
possible sometimes and I listen i i f my
head with knowledge and I've got my
audible subscription and you know I've
got books all over the house and read it
I get it I'm on board but sometimes
reading the great the greatest books
more than once and often is is better
than just trying to reach as much as you
can and that definitely that definitely
strike that chord with me because um I
re I think it was the third or the
fourth time that I read it the lesson I
got from the first time was cash flow
the second lesson was hey these
financial statements all these
liabilities that's on this is someone
else's
asset whose assets are these and then
I'm like it's the
banks and then I look at this and I'm
like the banks have this all figured out
all of this yes and I just and I was
just mesmerized I couldn't believe that
Epiphany I started reading about our
banks function I had a a couple of
friends that were working investment
banking at that stage um you know they
had grown up jobs at that stage I was
still playing sports and just studying
and you know doing real estate uh so I
was learning from them um and then I you
know I I I came to the conclusion that I
I gotta I gotta become my own bank I
gotta be the bank and I've got to create
my own banking system you know and and
just to bring like the lesson for folks
home is you know uh Nelson Nash that
wrote becoming your your um your uh
becoming your own Banker he uh he shared
with me and it was a great mentor of
mine a light Mentor a fantastic human
being but he he always talked about like
the Earth being this one giant pool of
water and he shared that it's all water
right it's it's the the oceans are all
connected and then you have the rivers
which are on land but connected to the
oceans you have underground water which
is connected to the rivers which is
connected to the oceans it's like George
castanza pipes everything they're all
connected but anyway um it's all
connected and when the Earth Eats up
there's condensation clouds form it
comes back down and the water goes back
into the oceans the rivers the
underground water and it's all connected
it always comes back to that one pool of
water and if you look at banking the
same way it's the exact same thing where
the commercial Banks think about it they
have a giant pool of capital and capital
always always leaves their pool but it
comes back to them I'm going to buy that
real estate property and what am I going
to do oh I'm gonna get a loan from A
bank and then I'm gonna put a down
payment down and then I'm gonna use the
loan to to close and guess what the
person that I'm closing with is
receiving the capital and where does
that person put it in a bank back in the
and it's just switching right so it's
always leaving but it's always coming
back so anyway so when down and and
that's kind of the journey with infinite
banking that I that I that I combined
with real estate investing and investing
in other businesses and an alternative
Investments so that was this the second
part and then I started in single family
and this is what I would want to share
with folks and what I realized is and
this is you mentioned Dan Sullivan you
know the who not how is a fantastic book
um but what I started to realize was and
this was through you know my journey uh
in real estate I had one stage at a
broker's license I was working for a
friend while I was while I was playing
sports because I was unemployable right
yeah somebody's going to hire you and
you travel all the time and play sports
all the time so I had a friend that um
came from a family uh they owned a ton
of multif family real estate um we
became really good friends and he's like
listen if you are looking for something
to do come and you know come and work
for us you file in when you're here you
when you're gone it's fine so I
literally started picking up trash on
their properties for them that's where I
started you in multi wow so talk about
started right at the bottom and again
immigrant mentality
opportunity
opportunity so I figured you know I'm
gonna start absolutely I started right
at the bottom picking up trash
eventually I was like part of like
maintenance I was uh turning over
Apartments I eventually managed um over
a th000 units for him I had my broker's
license I was part of an acquisition
team doing all the this kind of while I
was playing sports and I'll never forget
the one time that um I was there was
this one real estate investor had a huge
portfolio of multif Family Properties
that he wanted to sell and I was cold
calling cold calling and going after
this specific invester and then one day
I got in early in the office and he just
left my friend who was his partner uh he
owned the the real estate brokerage they
had a bunch of companies just like you
guys you know that brokerage and
management all this kind of stuff um and
um I'm like what just happened like
there has to be a lesson here because
this is pretty brutal of like me chasing
this person and not getting getting
there well these people my friends they
were cashlin in just in that area they
basically nothing moved on that specific
side in the north side of Chicago in
real estate multif family real estate
and Commercial Real Estate without those
guys knowing and everybody knew them uh
they had it all wrapped up if somebody
was selling they would go to them they
would either buy it cash close it and
and add that to their portfolio or they
already had a buyer for it and they
would just wholesale it to someone else
and then I started to look at this and I
said this is ridiculous how do I these
these people are Cash Loan in just I
can't and then the second question then
you know because the quality of your
life is determined by the questions that
you ask yourself not the answers and I
said well how how do I then partner with
these
people and you know in my freedom
Journey yeah it was a struggle with the
single family and starting up and
investing in smaller business and
smaller deals but when I really really
started to get traction on my freedom
Journey was that switch in my mindset
because now all of a sudden I realized
that hey why don't I invest I can do
invest with the best operators in the
best deals in the best markets and in
some projects I can be a general partner
if I add value and I bring something to
the table besides Capital right I can
work in the deal um or I could just be a
limited partner and invest that way and
then and I looked at that and I'm
like this is how I can this is how I can
build out a diversified portfolio in
alternative Investments I don't have to
be the guy I can just be the person
managing my own stuff and diversifying
it spreading it with different operators
in the with the best investments in the
best markets so that's what I continue
to do um I I build my business producers
wealth what's it now 2023 we're in lost
track of time I I I I started building
it in 2014 so it's almost been 10 years
but so we help um business owners and
investors do infinite banking across the
United States um and then I started a
podcast cash flow ninja which is just a
passion project learning more about Al
alternative Investments and meeting
incredible people such as yourself um
and that turned into I mean it just I
never could have thought uh it turned
into what it turned into I mean like 180
countries millions of downloads you know
it's it's turned kind of into an
educational company with books and you
know Ed educational courses and all that
kind of stuff in Mastermind so um what I
then ended up doing was the blueprint of
like generating capital
in these businesses and then investing
it into something that pays me to hold
it reduces my taxes and appreciates over
time and I just kept rolling that
snowball and um I would say it's the the
the discipline you have to be very
disciplined to do this it's
like it's almost like where how do you
where do you want to be in 10 years 10
15 years and then that's how you should
live right now you know you can't like
be like oh I want to be financially free
sitting on the beach drinking my ties
and just checking my laptop now and
again but everything that's coming into
your economy you're just spending it
right and and the the successful people
that I that I saw and met and learned
from they started by investing 10% or or
putting 10% away of the money that comes
into their income increasing it to 25 I
mean some of them end up at 90% and
people would be like why would you how
would you like you know live off 10%
what they didn't raise their uh their
living standard significantly because
they knew where they wanted to be 10 15
20 years down the line so they figured
I'll just keep snowballing I'll keep
making money in my
businesses investing in these
Investments alternative Investments you
know as and and I did as a GP in some
and I did as a limited partner in others
and you just snowball that and keep on
snowballing that's that's all we you
know that's all we achieved freedom and
and and freedom is um I think people
should ask themselves what that means to
them I think it's a very very important
question because it means different
things to different people you know
obviously freedom of time um money
relationships purposes Dan Sullivan
talks about um but
also what is your what is your life want
to look like you know it's it's kind
it's very it's amazing to to live within
purpose do what you want to do be a part
of your your children children's lives
every single day coach little leag
sports teams you know being be that Dad
which I've always wanted to do that's
what freom means to me um you know and
like what you guys mentioned do location
do if you I have family in South Africa
if we want to go to South Africa for a
couple months and take off let's do that
um so yeah you have to be very very
clear of what it means to you before you
kind of map out and build kind of this
blueprint um
otherwise uh you can't you can create
another prison for yourself which I did
by the way the first two years I built
producers wealth you know 20 like I
started in 2014 but I would say like
from 2014 to like 2016 it was kind of a
prison that I tried to escape from and
had to break it all down and rebuild it
um when I finally got it rebuilt that's
when cash like I could do passion
projects like cash and ninja right
that's right so you have now space to do
other things um but yeah it's I think
like the the definition of freedom and
I'll I'll throw something else in there
too and I know I've rambled on for a
little bit so I'll pause for a second
but another thing that I will add to
Freedom too and this is something we've
been talking about quite a bit in our uh
community and in our network is yes
Freedom that's that's the first Target
and alongside with freedom too which has
become really important is this concept
of
sovereignty um because you can be free
and not sovereign as most people found
out in 2020 there's a lot of people that
I know that were financially free but
all of a sudden because they haven't set
up their lives a certain way they didn't
feel that free for a couple of years you
know starting in 2020 so um I think that
should be an intention too so what does
that mean well how decentralized can you
be from systems and and I'm not talking
about like 100% decentralized I'm
talking about um setting up your life in
a way that if there is a Black Swan or
you know a uh a gray Rhino as we call
them in Africa things you can see coming
you can hear them you can hear those
footsteps uh it's not a Black Swan out
of the blue um when those things happen
then you're not that impacted so I'll
give a couple of examples because people
are like what are you talking about well
how independent are you with regards to
food and
water what happens if uh for
example food stores run out of food or
you know water gets shut off or the
power grid goes down you know this is
the this is the African and me coming
out again uh because we that's people in
Africa they This Is How They This Is How
They Live and you know uh we have had
we've had uh rolling blackouts to where
my parents are now for years so uh
sovereign has become a big thing for
them they've set up their life and build
it so that it doesn't affect them they
have solar they have uh they they have
generators uh they have a if they don't
grow their own food they have access to
Farmers and relationships in their areas
they have their own source of water and
and and those kinds of systems and then
their own way to protect themselves in
the in their family so um when it comes
into wealth a lot of people miss that
kind of part but I think like it's also
important that with the freedom to bring
in this sovereignty uh because you know
you have a combination of those two
things I think you you you're going to
have a pretty incredible life yeah I was
about to say you're living a pretty good
life if you've got both of those um I
love that it's uh so uh flip and I um
when we're doing talks on stages we talk
about a lifestyle blueprint and you um
reference this a little bit when you're
talking about defining Freedom asking
what Freedom means to you and so we give
people like six boxes and we say here's
the six things that you want to look at
in your life what is it that you want or
more importantly what is it that you
don't want um so I'm going to uh read
your quote here um successful
entrepreneurs enjoy enjoy Four Freedoms
the freedom of time the freedom of money
the freedom of relationship and the
freedom of purpose and that was a Dan
Sullivan quote um so tell us a little
bit about how you defined Freedom um in
your boxes especially as it relates to
um the freedom of relationship in in
purpose because we talk about time and
money a lot right but um talk to us
about the relationship and purpose part
that might help um some of the people
listening be able to really Define that
for themselves as well those are
multipliers in your life too massive
multipliers and uh what I mean by that
is the thing is with relationships is
you don't have to do something with
people that are not aligned not with of
the same mindset not philosophically
aligned or people that you don't want to
hang out with you know what I mean I me
um let's call it what it is uh you do
things with people that you enjoy that
are of similar mindset on the same page
philosophically aligned um have the same
worldview and you enjoy their company uh
and because of that you find you know
again you know what do you want what
don't you want once you start cutting
out a lot of that and now because of the
freedom that you have you don't have to
do something with someone that uh is
sucking more energy than adding more
energy in your life um it's incredible
it's a multiplier can you imagine and a
lot of people can probably relate to
this um but can you imagine cutting out
all of the relationships where there's
an energy drain and fill them with other
relationships just like the ones that
you have that add that that energy to
your life it's a and and by the way all
those people they know other people that
continue to add energy to you you know
you mentioned Keith winold in the
beginning great great human being
uh Keith's fantastic so you know he
introduced us it's all of a sudden it's
like I I I love doing stuff with Keith I
I love doing stuff with you guys so it
it brings up the energy so that's a
multiplier and then it's the same thing
with purpose there's a lot of stuff and
I'm the first person to say this you're
gonna have to do stuff that you don't
want to do in life that's life I mean we
all got to deal with
it occasionally we still do we still do
even though we have freedom and
sovereignty there's still some things
that you got to do that you don't really
want to do um but for the most part if
you can make that switch and the
majority of the stuff let's just say you
know uh 90% or higher is in purpose of
what you are aligned with that drives
you that motivates you that are things
that you're good at that you enjoy doing
um and things that are your gifts I mean
just think of the multiplier effect
there it's just crazy there's if if you
do a Time inventory the stuff that you
spend your time on if it drains your
energy and adds to your energy and is
within your unique ability using another
term that Dan Sullivan uses versus stuff
that you're not really good at uh it's a
multiplier because most people start
with man I only really do 20% of things
that are like aligned with my purpose
that things that I'm good at and you my
response would be like yeah nowy try and
cut out that that other 880 and now do
100% of it and you'll 5x everything
you'll 5x you'll 5x uh you know
productivity your energy levels and
everything else it's like a you know
it's everything else will benefit from
it in your life your business your
Investments your family
everything yes 100% true um one of the
other things that you said that really
hit home for me was um you are the only
thing holding yourself back well well we
had to uh find a spot where we could go
in there and go
cut because between uh MC and Danny I
don't know who talks faster um I was
holding on by one finger over here uh
but uh wow just wow that that was I mean
like I said we we had to find the spot
to cut it uh but that was there's just
so much energy um in and uh I I just I
love it like I said before uh before the
interview you know I love his accent I
love love you know but then uh then just
listening to him talk and listening to
his story uh you know it's just uh yeah
like like you said I don't take things
for granted but um wow maybe I do yeah
yeah I have a new level of gratefulness
for Living in America um and the
abilities we have right at our
fingertips I mean when he said count how
many people have just become you know
millionaires or billionaires I think he
used billionaires billionair um you know
that have just come to America that you
can just you can create whatever it is
that you want to create you have the
opportunity to create here you're not
stuck in a um a class of um you know
family or person um based on uh your
parents and you know what they do for a
living um and then not have the ability
to do what you want to do um which is
the story for many um you know
foreigners um and so Coming to America
really um I think it made me it's not
that I think that I wasn't grateful or I
I wasn't taking or I was taking things
for granted it was I just didn't realize
how special it is you know and how
special it is for people coming to
America from other places where they
can't do what they can do here so man
that was just a powerful story and um
when he said the only thing stopping you
um is you is you yep yep uh well you
know it's it's h i mean you and I have
had a coaching program in the past and
uh um one of the reasons why it was
draining on us is because we would pour
out ourselves to people and they
wouldn't do anything yeah right uh and
it was just it was such a drag as the
teacher CU you know that whole you can
lead a horse to water right and uh and
so but just hearing the story that his
mom bought him a book and it was the
Rich Dad Poor Dad book and so what did
he do he bought a house six months later
you know he he got the book read the
book and just like oh yeah well that's
all you got to do is byy go buy a house
so I he went and bought a house action
he took action and and like it's like
well there's there's that's the key
ingredient to those Millionaires and
billionaires um you know and and it's
because they take action they do it
regardless of the situation yeah um and
so I just I love that story that that
was uh his quote with what he said when
the student is ready the teacher appears
yes uh and so because he reads that book
every year yeah yeah um I I I remember
as well uh he used into sports and he's
talking about you know U people who are
into sports like they they know how to
go out there and take action they know
how to get out there and do it um and
you know he uh was talking about you
know coming to the United States he was
like all you got to do is bring your
talent and your work e work ethic that's
it and then you can become and create
anything that you want um and uh he his
freedom story truly shows it like look
where he is today um and look at the
circle of people that he's around and
look what he's created just based on his
bio um I thought it was really really um
incredible I was excited to have him on
and I'm so thankful that you know we've
been able to bring him you know into our
Network um so one of the other things uh
that he was talking about was just his
freedom Journey um and partnering with
uh other operators to be a GP where he
could contribute value so for whatever
um talents that he does have an
experience and knowledge that he does
have on some deals he's choosing whether
he's going to be an LP or a GP so for
those of you who might might be new and
and um to that language LP is a limited
partner and GP is a general partner um
and that really is relating to
syndications um and a syndication is
when um you want to buy a property but
um you can't do you can't do it all on
your own it's like it's a big property
um and it's going to take uh multiple
investors maybe it's going to take three
or4 million do and you don't have three4
million liquid so you're going to have
to invite some other investors into the
opportunity you're going to have to have
an operator you're going to have to have
um an asset manager you're going to have
to have a team um that's going to be
able to underwrite the deal um you're
going to have to have uh people who are
going to raise the capital and have that
Network so you have to have all these
pieces of the puzzle in order to do
these really really large deals and it
allows multiple people to ultimately get
together and be a part of a deal that
otherwise they didn't think they were
going to be able to do um ever and so
you could say hey I'm part owner of a
$10 million property you could never do
that on your own but you're either an LP
a limited partner meaning you invested
money into the deal as a passive
investor and now you're part owner of
the that owns that uh property or
properties depending on uh the the
particular deal and then or you could be
a GP which is a general partner which
means you have to be an active member of
the deal an active member means that
you're doing something you're doing
underwriting you're doing due diligence
you're part part of the property
management team or the asset management
team or you know operations of some sort
um and so there's different roles that
you get to play and so he was talking
about that he really found um true
Freedom when he started doing that and
started taking part as either an LP as a
passive investor or a GP as an active um
part of those bigger deals and I thought
you know that's just a a story that we
hear a lot you know um people sometimes
go into the single family Arena first
and start doing those properties and
then um as they Network and meet more
people and depending on their
aspirations for how how big they want to
get um they make some decisions about
whether or not they're going to be a
passive investor or an active investor
and then they go you know to um they
kind attracted or drawn to the types of
Investments that you know really uh
they're passionate about they enjoy
being involved in so um I thought that
was really really neat yeah um because
I've just seen that um happen so many
times and to watch him in his journey
and what he went through he started off
as a maintenance technician yeah so one
of the things he said is you know you're
G to have to do stuff you're going to
have to do stuff that you don't want to
do in life y you're going to have to do
it and then he tells a story about how
he started uh working for this you know
these the big dogs as a maintenance tech
he was walking around picking up garbage
yep yep y so you're going to have to do
stuff that you don't want to do yes um
and then the last thing that I really
wanted to point out from this particular
episode was um The Snowball Effect um I
love that he use that analogy because
I've used it so many times um when
people will be in masterminds and people
will come up and just be like Danny how
the heck do you guys do so much like
you're always just accomplishing so much
and I literally go it's the sball
effect um it's literally just putting it
on my plate and when I put it on my
plate I have to put it somewhere it goes
on my task list it goes on my calendar
it goes somewhere um because I don't
want to start something and then let
somebody else down by by me not doing my
part so I I I stick it on something that
holds me accountable to taking the
action so that it can get handed off to
the next person who takes the next step
and and I just never you know drop the
ball in that regard and sometimes that
means longer days than than us ual right
so sometimes we don't want to work 9 10
12 14 18 hour days but sometimes you do
because it's uh it's a part of growth
and it's it's a part of the journey um
and so I love that he he talked about
that Snowball Effect because you never
really realize um how that compounds um
it's why we one day went what look at
look at all this well where did all this
come from yeah it's amazing how much you
can build when you're just you got your
blind ERS on and you're focused and
you're somebody who is willing to hold
yourself accountable to doing the right
things um and sometimes you're not doing
the right things and you have to adjust
um and you and you have to be the person
that is okay with that and go woo I was
not okay I don't want to be going down
that way I want to be going down this
way let's shift adjust and and adapt um
and if you're that type of person then
anything is truly possible um and so
anyways I'm really excited um we are
privy to know what part two uh is about
but we can't talk about it so this was
actually G to lead me into something I
was like oh that's total spoiler alert
so um there's some really cool things no
idea what's happening in part two he's
there's some really cool things that
he's going to be talking about in part
two that you are just going to love um
there's so much value that MC brings to
the table and his story is so incredible
that um I'm just thankful that we were
able to have him on and I'm thankful to
Keith that he introduced us um and again
I'm not going to spoil why I just said
that so uh uh let's talk about real
quickly what going on in our world um so
TurnKey deals flip TurnKey properties
yes uh for any of you out there that
don't know what this is uh these are
done for you TurnKey real estate
properties these these properties are
cash flowing uh when you close on them
uh you know they're they're not uh
they're not marked up in price uh or
anything like that these are they're
sold at Value uh you know in in
Southwest Ohio here uh and uh they're
great cap rates are great cash on cash
depending deping on whatever you're
looking for um and uh it's a great uh
entry point yes you know an investor and
we always talk about passive investing
and active investing uh TurnKey real
estate is kind of a a morph of those two
yeah it's uh actively passive and
passively active uh because there's some
things you have to do but there's some
things a lot of things you don't have to
do uh and as and depending on the
resident in in your property sometimes
it'll go without you doing anything um
and so so it really goes it es and flows
um as far as what you have to do with
the property but it's a great entry
point uh again we take care because
we're vertically integrated we take care
of everything from the rehab to the
property management um you know so
everything's handled uh with us and uh
by our our family of companies uh but we
have some great properties available uh
and going into the new year I keep
getting emails from more and more people
that that tell me that they know way
more about me about the uh economy and
about the the markets and well because
everyone knows more about those than me
uh and and so everything's looking you
know it looks like it's on its way up
I'm not going to say anything I have no
idea cuz I I have no idea we never
pretend to have that crystal ball know I
don't I let people I let other people
talk about that type of stuff yep and I
get a lot of emails that of those people
telling me about those things
so
I love it yeah so if you'd like to learn
more um about the turnkey properties
that we do have available um you're
going to want to reach out to Jr um he
is fantastic he's on our investor
relations team you can get in his
calendar by going to chat withth
freedom.com and just scrolling down and
look for Jr's calendar and he's going to
be the one that's in charge of all our
inventory um and even if you don't like
turny we've got properties that you can
bur so buy rent refinance uh repeat and
so those are great opportunities where
you can get some Equity um we're rolling
out a lot of um things we continue to
just um you know provide Excellence
where we can our word for the year um
and you know uh innovate based on your
feedback and then um and also you know
how are we doing on the podcast so um
that we've we I'm not even sure what
episode that we're on but um I'm excited
that we're going into the new year and
and freedom show has been really really
um exceptional in terms of the very
first time for us bringing on guests um
so we're excited to hear from you if
we're doing great please just go to the
and give us a review on um iTunes or
wherever that you see it um and if
you've got some feedback on maybe
somebody that you'd like to hear from or
things that you'd like to do then just
shoot us an email um and you can email
us at invest freedom family
investments.com and we would love to
hear your feedback um so that we can
incorporate it um into future episodes
but that's all I've got flip that's all
for me too all right we'll we'll see you
next Wednesday bye everybody
[Music]
bye nothing on this show should be
considered specific personal or
professional advice please consult an
appropriate tax legal real estate
Financial or business professional for
individualized advice opinions and
information on the show are not
guaranteed all investment strategies
have the potential for profit or loss
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