In this episode, I break down the real question behind paying off your house early—and why the answer isn’t as straightforward as it seems. I walk through how interest rates, amortization, and long-term loan structures influence the true cost of a mortgage.

I also highlight why extra payments only matter if they’re applied directly to the principal, and how doing so can reduce total interest paid over the life of the loan. Beyond the numbers, I touch on the emotional relief homeowners feel when eliminating monthly payments and gaining more flexibility in their budget.

(00:00) – Mortgage payoff debate begins

(00:49) – Interest rate impacts strategy

(02:22) – Extra payments explained clearly

(03:50) – Opportunity cost of payoff

(05:31) – Long-term fixed debt benefits

On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing.

Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book

Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register

Join our investor list: https://www.frommilitarytomillionaire.com/investors

Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application

Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor

Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide

Facebook Group: https://www.facebook.com/groups/militarymillionaire

YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1

Instagram: https://www.instagram.com/frommilitarytomillionaire/

LinkedIn: https://www.linkedin.com/in/david-pere/

X (Twitter): https://x.com/militaryrei

TikTok: https://www.tiktok.com/@militarymillionaire

In this episode, I dive into a special Veterans Day announcement about my new partnership with Veterans Disability Consulting, led by my good friend Victor Huerta. We talk about how this collaboration will help veterans navigate the VA disability claim process more efficiently and ethically.

I share my own journey with filing a claim, the mistakes I made early on, and how Vic helped me—and many others—get the support we deserved. I unpack why doing things the right way matters, how to protect the integrity of the system, and why financial education is a vital part of veteran empowerment.

(00:00) - Intro

(01:00) - Announcing Veterans Disability Consulting

(03:24) - Ethical VA claims process

(06:17) - Maximize benefits the right way

(09:38) - Veterans Day closing thoughts

On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing.

Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book

Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register

Join our investor list: https://www.frommilitarytomillionaire.com/investors

Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application

Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor

Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide

Facebook Group: https://www.facebook.com/groups/militarymillionaire

YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1

Instagram: https://www.instagram.com/frommilitarytomillionaire/

LinkedIn: https://www.linkedin.com/in/david-pere/

X (Twitter): https://x.com/militaryrei

TikTok: https://www.tiktok.com/@militarymillionaire

In this episode, I dive into the practical ways service members and veterans can prepare for — and thrive through — a government shutdown. I share my own experiences as an enlisted Marine and financial specialist to help others avoid financial stress during uncertain times.

From leveraging credit responsibly to building an emergency fund, I break down what it really takes to stay afloat when paychecks pause. I also address common pushback from my viral Instagram post and clarify why taking responsibility for your finances is empowering, not shameful. This conversation is about ownership, preparation, and financial freedom, even when things get tough.

(00:00) - Intro

(01:22) - Building credit smartly

(03:08) - Avoid payday loans

(04:06) - Emergency fund basics

(05:59) - Budgeting for resilience

(06:38) - Why TSP loans matter

(07:23) - Power of house hacking

(09:00) - Use base resources wisely

(10:55) - Stop playing the victim

(12:59) - Financial mindset shift

(20:25) - Take ownership + move forward

On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing.

Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book

Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register

Join our investor list: https://www.frommilitarytomillionaire.com/investors

Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application

Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor

Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide

Facebook Group: https://www.facebook.com/groups/militarymillionaire

YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1

Instagram: https://www.instagram.com/frommilitarytomillionaire/

LinkedIn: https://www.linkedin.com/in/david-pere/

X (Twitter): https://x.com/militaryrei

TikTok: https://www.tiktok.com/@militarymillionaire

In this episode, I break down some simple, practical steps to help you improve your credit score — no fluff, no gimmicks. I start with the basics, like why paying your bills on time and keeping your balances low makes such a huge difference. I also talk about credit utilization, how asking for a higher credit limit (without spending more) can actually help, and why paying down debt strategically matters. Whether you use the snowball or avalanche method, it’s all about building momentum and taking consistent steps toward financial freedom.

Then, I dive into some lesser-known but powerful habits — like disputing errors on your credit report, becoming or adding someone as an authorized user, and keeping old cards open to maintain your credit history. I share how I’m setting up my own son for success by adding him to one of my cards early on. These are the real, actionable things that can move the needle for you. Credit improvement takes time and consistency, but it’s 100% doable — and you can start today.

(00:00) - Intro

(00:57) - Pay bills on time

(01:21) - Raise credit limit wisely

(02:14) - Pay down debt strategically

(03:47) - Dispute credit report errors

(04:19) - Authorized user or secured card

(06:16) - Keep old cards open

On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing.

Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book

Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register

Join our investor list: https://www.frommilitarytomillionaire.com/investors

Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application

Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor

Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide

Facebook Group: https://www.facebook.com/groups/militarymillionaire

YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1

Instagram: https://www.instagram.com/frommilitarytomillionaire/

LinkedIn: https://www.linkedin.com/in/david-pere/

X (Twitter): https://x.com/militaryrei

TikTok: https://www.tiktok.com/@militarymillionaire

In this episode, I break down the seven most common mistakes first-time homebuyers make—and how to avoid them. I dive into why financing big purchases before closing can kill your loan, the importance of job stability during the process, and what lenders really look for.

I also share tips on budgeting for closing costs, being honest about your cash reserves, and how to handle inspection negotiations like a pro. If you’re buying your first home and want to make sure nothing falls through at the last minute, this episode will help you stay ahead and close confidently.

(00:00) - Intro

On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing.

Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book

Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register

Join our investor list: https://www.frommilitarytomillionaire.com/investors

Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application

Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor

Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide

Facebook Group: https://www.facebook.com/groups/militarymillionaire

YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1

Instagram: https://www.instagram.com/frommilitarytomillionaire/

LinkedIn: https://www.linkedin.com/in/david-pere/

X (Twitter): https://x.com/militaryrei

TikTok: https://www.tiktok.com/@militarymillionaire

In this episode, I break down everything I’ve learned about hiring and managing contractors like a true professional. I share the biggest lessons I’ve learned from my own mistakes. You’ll learn how to vet contractors, create detailed scopes of work, and structure payment schedules that protect your bottom line. I also unpack how clear communication and systems can save your sanity and profits when managing multiple projects.

(00:00) - Intro

(02:27) - Build your contractor bench

(03:56) - The contractor interview formula

(05:19) - Scope of work essentials

(06:27) - Smart contractor payment setup

(07:57) - Systems for success and control

On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing.

Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book

Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register

Join our investor list: https://www.frommilitarytomillionaire.com/investors

Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application

Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor

Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide

Facebook Group: https://www.facebook.com/groups/militarymillionaire

YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1

Instagram: https://www.instagram.com/frommilitarytomillionaire/

LinkedIn: https://www.linkedin.com/in/david-pere/

X (Twitter): https://x.com/militaryrei

TikTok: https://www.tiktok.com/@militarymillionaire

In this episode, I unpack one of the wildest experiences of my real estate career — a quarter-million-dollar lawsuit over a property in Branson, Missouri. I dive into how this massive mixed-use deal went sideways, from falsified leases and sabotaged renovations to a property manager gone rogue.

I share how I uncovered fraud, fought through years of legal battles, and ultimately won back every dollar — plus interest and attorney fees. If you’ve ever wondered what happens when a real estate deal turns into a courtroom war, this story will open your eyes and arm you with hard-earned lessons about contracts, due diligence, and trusting your gut.

(00:00) - Intro

(00:38) - My $250K lawsuit begins

(01:31) - Buying the Branson Majestic building

(02:37) - Fake leases and missing rent discovered

(04:17) - Property manager sabotage caught on camera

(06:22) - Seller interference and legal violations

(07:47) - Filing the lawsuit + courtroom chaos

(09:19) - Exposing fraud and false income reports

(11:10) - Winning breach of contract and fraud claims

(12:25) - Lessons learned from the legal battle

(14:00) - Judgment results and $220K recovery

On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing.

Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book

Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register

Join our investor list: https://www.frommilitarytomillionaire.com/investors

Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application

Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor

Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide

Facebook Group: https://www.facebook.com/groups/militarymillionaire

YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1

Instagram: https://www.instagram.com/frommilitarytomillionaire/

LinkedIn: https://www.linkedin.com/in/david-pere/

X (Twitter): https://x.com/militaryrei

TikTok: https://www.tiktok.com/@militarymillionaire

In this episode, I share the full story of my first out-of-state house flip that went completely sideways — and how it cost me $30,000. I break down the decisions I made, from choosing the wrong contractor to managing a property from across the country, and what I would do differently today.

You’ll hear the painful lessons that taught me to always verify work, set clear expectations, and never let optimism override due diligence. This story isn’t just about losing money — it’s about growth, learning, and becoming a smarter investor through hard-earned experience.

(00:00) - Intro

(01:15) - My first out-of-state house flip

(03:45) - Contractor red flags revealed

(06:50) - The moment everything unraveled

(08:40) - How I recovered from losing $30K

(10:55) - Lessons from costly mistakes

(12:30) - Why mentorship saves investors

On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing.

Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book

Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register

Join our investor list: https://www.frommilitarytomillionaire.com/investors

Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application

Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor

Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide

Facebook Group: https://www.facebook.com/groups/militarymillionaire

YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1

Instagram: https://www.instagram.com/frommilitarytomillionaire/

LinkedIn: https://www.linkedin.com/in/david-pere/

X (Twitter): https://x.com/militaryrei

TikTok: https://www.tiktok.com/@militarymillionaire

In this episode, I talk about my complete guide to raising capital for real estate investing. I share how I’ve personally raised over $6 million across multiple deals—from short-term flips to large-scale syndications—and what I’ve learned along the way. You’ll hear how to identify your ideal investor avatar, build a trustworthy brand that resonates, and use simple systems to nurture long-term investor relationships. I also break down how to structure deals legally and present them with confidence to earn trust and attract capital effectively.

(00:00) - Intro

(00:38) - Why Raising Capital Matters

(02:42) - Know Your Ideal Investor Avatar

(04:27) - Building a Magnetic Personal Brand

(07:06) - How to Nurture Investor Relationships

(09:00) - Structuring Deals & SEC Compliance

(10:46) - Proven Capital Raising Strategies

On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing.

Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book

Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register

Join our investor list: https://www.frommilitarytomillionaire.com/investors

Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application

Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor

Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide

Facebook Group: https://www.facebook.com/groups/militarymillionaire

YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1

Instagram: https://www.instagram.com/frommilitarytomillionaire/

LinkedIn: https://www.linkedin.com/in/david-pere/

X (Twitter): https://x.com/militaryrei

TikTok: https://www.tiktok.com/@militarymillionaire

In this episode, I dive deep into the fundamentals of creative financing for real estate investors. I share how I’ve personally used strategies like seller financing, subject-to deals, lease options, and wrap mortgages to buy and hold properties — often with little to no money down.

I explain why creative financing isn’t just about money but about problem-solving for both buyers and sellers. Through real-world examples, I show how to structure win-win deals, avoid jargon when talking to sellers, and build your reputation as a “creative closer.” I reflect on how mastering creative financing has allowed me to invest without relying on traditional banks. Whether you’re just getting started or looking to scale your real estate business, this episode gives you a practical roadmap to do more with less capital and with more confidence.

(00:00) - Intro

(02:08) - Seller financing real example

(03:12) - Subject-to and lease options

(05:03) - Structuring win-win real estate deals

(07:16) - Real-world creative financing stories

(09:55) - Masterclass and final thoughts

On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing.

Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book

Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register

Join our investor list: https://www.frommilitarytomillionaire.com/investors

Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application

Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor

Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide

Facebook Group: https://www.facebook.com/groups/militarymillionaire

YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1

Instagram: https://www.instagram.com/frommilitarytomillionaire/

LinkedIn: https://www.linkedin.com/in/david-pere/

X (Twitter): https://x.com/militaryrei

TikTok: https://www.tiktok.com/@militarymillionaire