Welcome back to THE FACTS OF L.I.F.E Podcast! In Episode 8, join host John Doan

as we break down the essentials of getting approved for a loan. Learn the simple

"ICE" method (Income, Credit, Equity) that lenders use. We also dive into

understanding the difference between verifiable and non-verifiable income,

especially for self-employed individuals and content creators.

If you've ever wondered how to qualify for a mortgage or how your income as a

freelancer or creator is viewed by lenders, this episode is for you!

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Recorded on 05/02/2025

Welcome to Episode 7 of The Facts of Life Podcast! Join host John Doan as we explore key aspects of life and business.

This episode covers:

* Lifestyle (L): Balancing work and life, the impact of remote work, and prioritizing your well-being.

* Income (I): Understanding debt-to-income ratio (DTI) and the financial factors involved in qualifying for a mortgage and the tax benefits of homeownership.

* Failure (F): Overcoming the fear of failure, taking calculated risks, and learning from mistakes to foster growth.

* Entrepreneurship (E): When to take the leap and start your own business, being "all in," and the importance of financial preparedness.

Packed with insights for anyone looking to improve their work-life balance, understand the home buying process, conquer their fears, or embark on their entrepreneurial journey!

Timestamps

00:00 Intro

00:43 Remote work

1:35 Work life balance

3:20 Taking care of your well being

5:10 Figuring out a good debt to income ratio

8:20 Tax benefits, of owning a home

9:53 Overing the fear of failure

15:07 When you Should start your own business

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Recorded on 05/02/2025

In episode 6, we tackle today's volatile market, offering advice on mortgage refinancing, understanding bear markets and investment diversification, the crucial role of open communication in family finances, and a creative strategy for funding college. Whether you're a homeowner considering a refinance, an investor navigating market downturns, or a parent planning for education, this episode has valuable insights for you. Subscribe for more practical life advice!

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https://linktr.ee/THEFACTSOFL.I.F.E

Recorded on 04/18/2024

Welcome back to The Facts of Life podcast! In this episode, host John Doan, a seasoned home loan lender, reveals powerful strategies for homeowners to leverage their property for financial gain. We tackle the burning question: When is the right time to refinance your mortgage? Discover the key interest rate reduction rules and the difference between rate and term, as well as cash-out refinances. Beyond just lowering payments, learn how to strategically use your home equity through a cash-out refinance for:* Smart Home Renovations: Increase your property value and attract more buyers with calculated upgrades.* Conquering Debt: Eliminate high-interest credit card debt and improve your financial well-being.* Wealth Building Through Investing: Explore the concept of using your home's equity to invest in businesses, stocks, and especially real estate.John shares compelling insights on why real estate remains the #1 investment vehicle for building wealth, emphasizing the power of leverage and potential tax benefits. He also touches upon the concept of generational wealth and the importance of smart financial planning for the future. Whether you're considering refinancing, looking to invest, or simply want to understand how to make your home work harder for you, this episode is packed with valuable information! Visit us on other socials or our website!!https://linktr.ee/THEFACTSOFL.I.F.E This Episode was shot on 04/04/24

In this episode of the Facts of Life podcast, host John Donne explores the

intersection of lending, family, and entrepreneurship. He delves into the world of mortgage lending, discussing the impact of interest rates and the 10-year Treasury bond. John also shares his experiences as a Scoutmaster, teaching life skills to teenagers, and discusses the benefits of putting kids on payroll for tax purposes. Additionally, he reflects on his own journey as an entrepreneur, emphasizing the importance of work ethic and preparing for the ups and downs of business. Follow us on other social medias or visit our website by clicking the link below! https://linktr.ee/THEFACTSOFL.I.F.E

In this episode, John discusses the importance of diversifying your investments

and finances, particularly in real estate. He breaks down the benefits of owning

rental properties, how to run them like a business, and why paying off your

mortgage in cash might not be the best strategy. John also touches on the topic of

cryptocurrency and its potential use in real estate transactions. Tune in to learn

more about investing and growing your wealth. Follow us on other socials here! https://linktr.ee/THEFACTSOFL.I.F.E

Ever wonder how a Lunar New Year tradition can ignite practical conversations about saving, investing, and side hustles? In this second episode of The Facts of Life, John Doan takes you behind the scenes of his family’s Vietnamese celebrations—red envelopes (lì xì) included—and shows how even simple holiday moments can spark real-world financial lessons. From explaining credit scores to curious teenagers to highlighting why digital content creators need multiple revenue streams, John explores the cultural roots that shaped his own money mindset. You’ll hear why a basic raise at work might not always lead to bigger paychecks and how he integrates age-old traditions with new-school hustles. If you’re ready for a talk on bridging heritage and ambition—and how everyday events can unlock deeper money wisdom—tune in. Subscribe now and see how celebrating the past can fuel your future prosperity

Get more from John Doan here!

https://linktr.ee/THEFACTSOFL.I.F.E

Welcome to the very first episode of The Facts of Life with your host, John Doan! Ever wonder how one person juggles a demanding career in mortgage lending, a busy family life with four teenagers, and a leadership role as a Scoutmaster to over a hundred kids—all while navigating cultural and generational differences? In this episode, John opens up about his upbringing as a Vietnamese American, the hard-earned lessons he’s learned from hustling in Southern California, and how his dedication to family and community shapes everything he does.