Wealth Formula

I don’t even watch the news anymore. The advent of the 24 hour news cycle combined with our reality television culture has changed what used to be “news” into entertainment.

The fundamental problem with this juxtaposition of news and entertainment is that something that was supposed to be unbiased—just facts becomes something that has to have an angle.

Plain old facts just aren’t that interesting anymore. They have to be layered in commentary—commentary that sells.

 

The reality television culture that we live in dictates that anything on TV must be controversial. If it’s not controversial, it’s not interesting.

 

Think about it. Why do people watch reality TV anyway? Because of the drama—we love to watch a car wreck when we can be safe from harms way. 

 

Reality television allows for dramatic stories of love, hate and betrayal. That’s what makes it addictive. Facts are not addictive.

 

The irony of the times we live in is that reality TV culture has created a world in which there is, in fact, no reality.

 

You see this from the highest office in the land—Trump says everything is fake news!

 

Now, to be clear, I’m sure Donald Trump does not get the benefit of the doubt from the press but does that mean we throw out the baby with the bath water? In other words, if the news is fake, what’s left to believe.

 

Listen—this is not meant to be written as a political piece by any means. I’m a guy with strong libertarian views but I’m certainly not one to cast aspersions on politicians.

 

I just think we need to start to return to a fact based society. If we cannot at least establish facts, then how can we ever make meaningful decisions about our future?

 

This kind of discourse is probably no more important than on the subject of climate change. A few weeks ago, I had on Alex Epstein—author of the The Moral Case for Fossil Fuels.

 

A lot of you were not happy about that and some of you were quite happy that I had Alex on the show. I just wanted to hear his perspective. 

What was funny about that show is that Alex did not actually say that climate change is not real. His thesis was actually whether or not fossil fuels are good for humanity. He also didn’t say that alternative fuels were bad.

But… it got people fired up on both sides—sort of like a reality show I guess.

Anyway, I’m a facts guy and that’s all I’m after. And my guest this week on Wealth Formula Podcast is a pretty hard core alternative energy guy although one who manages to keep his rationality.

You’ll learn all about the facts behind solar energy and alternative fuels and also how they might make sense to add to your portfolio.

So…if you are looking for some reality, make sure to tune in to this week’s show!

Shownotes:

[00:07] Introduction

[11:37] Buck introduces Stephen Honikman

[14:55] Stephen’s counter argument to Alex Epstein

[18:54] The economic argument for alternatives over fossil fuel

[24:29] Alternative vs fossil fuel - Dollar for dollar

[35:22] Why solar?

[38:38] Solar energy and tax

[51:09] Investing in solar energy

[01:00:47] Get in touch with Stephen: https://wisercapital.com

    For Solar energy inquiries, email Stephen at: [email protected]

    For other inquiries, email Stephen at: [email protected]

 

Record your question to Buck and be featured in the next Ask Buck episode on SpeakPipe at www.wealthformula.com

Funny thing happened over the last few weeks—I learned how much people love the idea of getting rich fast!

I’m sort of half way joking about this but we had two funds—both Reg D 506c offerings so I’m legally clear to talk about them.

Anyway, one was a highly speculative crypto fund. I emphasized several times that you could lose all your money but that you could also potentially make a lot. After all, I 10X’d in 4 months!

Despite the risk associated with the crypto fund, I had soft commitments of over $2 million dollars within four hours of the presentation!

The second fund was a value add real estate deal—double digit returns, real property, great tax advantages and recession proof. In many ways, what I consider to be the ideal core portfolio investment.

12 hours later, we had soft commitments of about $1 million dollars.

Now don’t get me wrong. That’s still pretty good but it tells us a little bit about our own human nature doesn’t it?

I also want to emphasize that it takes a lot of self-control for me, personally, to not preferably reach for the shiny object over the slow and steady one.

Obviously I’m doing a crypto fund so I’m not against this kind of speculating. I just want to remind you, and myself, that we also need to focus on our core investing principles: real assets, cash flow, etc.

Make sure you don’t ever speculate with money you can’t lose.

Of course any investment comes with the risk of losing money but some are obviously less risky then others.

For example, I have recently become quite interested in the self-storage industry. Frankly, I had no idea how it performed in recessions and it’s consistent track record over the last 3 decades.

It also has some market indicators that suggest that this area of real estate is only going to get hotter and might be the best way to both maximally capitalize on an up market and survive in a down market.

Much of what I learned about this area was from my guest on this week’s Wealth Formula Podcast:Lew Pollack, managing director of Reliant Real Estate Management.

It may not sound sexy, but one thing I have learned over the past several years is that some of the most profitable businesses are the ones that kind of sound boring.

Self-storage is a great example of that. Make sure you listen to the show!

Shownotes:

[00:00] Introduction

[11:41] Buck introduces Lew Pollack

[12:45] Lew’s adventure in self-storage

[15:37] How does self-storage stand out from other asset classes

[19:07] Why is self-storage recession resistant

[21:45] Demographic driver in self-storage

[25:50] Tax benefits

[26:57] Cost segregation Analysis

[19:19] Reliant Real Estate Management, LLC

[33:24] Lew’s investment strategy

[40:55] Outro: Email [email protected] for more information on this self-storage opportunity!

“Sexual transmutation is the most powerful tool in existence when it come to creation, invention, accomplishment, creativity, advancement, and achievement.”

- Napolean Hill, Think and Grow Rich

This is a quote from one of my favorite books. It’s in the chapter than no one talks about on sexual transmutation.

If you have read the book, you know why. It’s kind of a weird chapter in the middle of the most mimicked book in Self-Help history.

In a nutshell, Napolean Hill says that harnessing sexual energy is the most powerful and efficient means of accomplishing our platonic goals.

It took me a little while to understand what he was saying, but here is how I interpret this.

If you have ever been a teenage boy, you know there is a period of time, for most, where little else seems to matter than teenage girls. I certainly remember that. 

I’m not talking about anything necessarily seedy. I’m just saying that there is a certain obsession that accompanies that special time in life.

It’s hard to think about anything else other than the girls you wish would be your girlfriend or, at least, give you the time of the day.

Of course most people eventually find a way to balance these thoughts with other important details in life. However, it’s hard to argue that there is anything more powerful than that kind of obsession.

Now hold on to that feeling of obsession that I'm talking about and now... take the sex reference out of the equation. Have you ever been so obsessed with something in your life that you can't stop thinking about it?

I have. When I was a kid growing up in Minnesota, ice hockey was on my mind ALL THE TIME and had it not been for a career ending back injury, I would have played college hockey and who knows how far I could have gone.

The funny thing is that by Minnesota standards, I started playing organized hockey a little late. I was 9 years old. When I first started skating I couldn’t even stop. But four years later, I went from the worst guy in the park to one of the best guys on one of the state’s best teams.

I was obsessed. I ate, breathed, and slept hockey. That made up for a lot of my other shortcomings.

Over the years, I have felt similar obsessions at times in my life. For example, when I decided I wanted to be a doctor, I was obsessed with how I was going to get into medical school. And finally, as an entrepreneur, I have been obsessed with the creation of various businesses throughout my career.

The one thing that drives obsession of all kind is the desire for some kind of accomplishment. When it comes to teenage boys, we know what that is. For the entrepreneur, it is something very different.

The most successful entrepreneurs I know are not, in fact, driven by money. They are driven by the idea of creating something out of nothing and seeing it come to life. Money…is just a way to keep score.

I use the example of entrepreneurship here but it really applies to just about anything. Napoleon Hill’s sexual transmutation is nothing more than a reference to the power of being obsessed with something. Olympic athletes, world class chess players, musicians, you name it. The highest achievers in the world harness that obsessive energy to do extraordinary things.

My guest on this week’s Wealth Formula Podcast is a kindred soul. He is as much of a raging entrepreneur as I am and he’s one of the most interesting people I have ever met. DO NOT MISS this week’s show as I discuss the spirit that drives entrepreneurs with Jorge Newberry.

Best Regards, Buck Joffrey

Shownotes:

[00:07] Introduction - Obsession

[09:53] Buck introduces Jorge Newberry

[11:14] Jorge’s story

[13:19] It’s NOT about making money

[14:48] The entrepreneur gene

[19:16] American Homeowner Preservation

[27:09] Jorge’s next step

[30:22] Note Buyer Bootcamp

[37:33] How much do I need to get into this business?

[41:08] Take the

The Wealthiest Investors in the world have a favorite kind of investment.

Now I’m not talking about a specific asset class necessarily. I’m talking about an investment strategy.

You see, everyone loves high percentage return on investment. But you have to be a little careful here.

If I say I got a deal for you— I will pay you 25 percent per year if you give me a $100K. That sounds great right? Well, what if I only pay you for four years?

Oops! Despite this fantastic “ROI”, all you did is get your money back. That’s not a good investment is it?

Now, on the other hand, what if we bought a property together and you got all your money back in 3-4 years AND continued to cash flow after that?

If all your original cash is back in your pocket, what is the “ROI” on that? Actually there is no number for that…you have none of your original capital in the deal anymore. That is called INFINITE return on investment.

Beats the hell out of the original scenario doesn’t it?

This kind of scenario is sort of the Holy Grail for sophisticated investors. Why? Well, it’s free money right? You keep recycling that original capital into deal after deal and create a cyclone of free money for yourself.

If you think this kind of investing isn’t possible, just look at my friend and Rich Dad Advisor, Ken McElroy. He’s done this his entire career. Why do you think he’s so popular?

Well, Kenny is one of the nicest guys you’ll ever meet but he also makes people a lot of money. Buy apartment buildings, increase their value and refinance the property returning original capital to investors and infinite return on investment. That’s his formula.

And, until the multifamily real estate market recently tightened up so much, this was my preferred way of investing as well. Unfortunately right now the stupid money is out in full force overpaying for everything. In that environment, it’s hard to do this.

BUT…infinite return on investment is not limited to apartment buildings. Let’s take for example cryptocurrency. Say you put in $25K and it became $100K. Why not take the original $25K out and put it somewhere else? Now, if you lose all your crypto money it won’t hurt as much.

You can also do this in various private placements in the junior mining sector. Accredited investors can participate in opportunities where they buy company stock before it hits the market and that also come with “warrants”.

Warrants are just options to buy additional stock at a fixed price. One strategy is just to sell the original stock as soon as possible (preferably at a significant profit) and hold on to the “free” warrants in case the stock takes off—no risk in that either. That’s called “free trading”.

Do this enough times in various markets with various asset classes and you can create a lot of free money for yourself without a significant amount of initial capital investment.

I often talk about the concept of velocity as one of the keys to building financial wealth.

Free trading is Velocity on steroids and that is why it is the favorite investing strategy of the ultra wealthy. You should try it!

Buck

P.S. If you want to see an example of an opportunity with potential infinite return on investment, make sure to watch the replay of last night’s webinar on our most recent accredited investor opportunity! Watch it here:

https://events.genndi.com/replay/169105139238458152/9152892c5c/0/0?inf_contact_key=8d8087d4310110007367da1a22c3920453d29bc2f4d908c9df9b415bcd4e47b3

Are you a great multitasker? 

Are you sure about that? After all, it’s impossible to think about two different things simultaneously (I am a former brain surgeon, I know).

So, what does it mean to be a multitasker anyway? Well, I think most people loosely define this term as being able to get a bunch of stuff done at the same time.

But for those of us who do get a lot of stuff done at once are we multitasking or do we just have good time management skills?

I have to tell you that I have always fancied myself a great multitasker as well. I have warn that badge with pride. In retrospect, however, I’m not really at my best when I multitask. I’m at my best when I “serial task”.

In recent years, I have started to realize that multitasking might actually be SLOWING me down.

How many times have you been working on something, shifted your thoughts to work on something else, and then come back to the original project—all within a few minutes? Do you not think that you are losing some efficiency when you transition your brain from one task to the other?

Of course you are. It’s inefficient. You are losing precious time and energy. In fact, I have come to HATE the idea of multitasking. I still find myself doing it sometimes and it drives me crazy!

Not only does it make you less efficient, but it also lends itself to what Zen Buddhists call “monkey mind”—the tendency of thoughts in your head to fling around like drunken monkeys jumping up and down and chattering nonstop. 

Do you really think this is a good psychological state to be in? I don’t.

Recently, I read a book from a guy by the name of Jay Papasan—he has cowritten several books with Gary Keller of Keller Williams fame.

The book is called, The One Thing, and really crystalized for me what I had suspected all along. Multitasking is not good.

In fact, it’s actually a consequence of simply not understanding what is important for you to get done in the first place.

Multitasking is a bandaid for poor time management skills. And, if you want to underachieve in life, keep multitasking.

Don’t get me wrong, there is certainly ways of getting multiple things done in short period of time, but there is a way to do it that will take your productivity to the next level.

The One Thing is the best book I read last year because it defines what creates that increased level of productivity.

Make sure to tune in to this week’s Wealth Formula Podcast where I interview author Jay Papasan. This conversation was extremely thought provoking. Don’t miss it! 

Shownotes:

[00:07] Introduction

[07:49] Buck introduces Jay Papasan

[09:00] The motivation to write The One Thing

[12:12] Common mistakes to setting goals and prioritizing work

[16:25] The Myth of Multitasking

[23:44] Meditation

[25:09] The art of saying NO

[32:00] A straight line to achieving your ultimate mission in life

[37:30] Learn more about Jay - theonething.com

[40:19] Outro

Funny thing happened over the last few weeks—I learned how much people love the idea of getting rich fast!

I’m sort of half way joking about this but we had two funds—both Reg D 506c offerings so I’m legally clear to talk about them.

Anyway, one was a highly speculative crypto fund. I emphasized several times that you could lose all your money but that you could also potentially make a lot. After all, I 10X’d in 4 months!

Despite the risk associated with the crypto fund, I had soft commitments of over $2 million dollars within four hours of the presentation! 

The second fund was a value add real estate deal—double digit returns, real property, great tax advantages and recession proof. In many ways, what I consider to be the ideal core portfolio investment.

12 hours later, we had soft commitments of about $1 million dollars.

Now don’t get me wrong. That’s still pretty good but it tells us a little bit about our own human nature doesn’t it?

I also want to emphasize that it takes a lot of self-control for me, personally, to not preferably reach for the shiny object over the slow and steady one.

Obviously I’m doing a crypto fund so I’m not against this kind of speculating. I just want to remind you, and myself, that we also need to focus on our core investing principles: real assets, cash flow, etc.

Make sure you don’t ever speculate with money you can’t lose.

Of course any investment comes with the risk of losing money but some are obviously less risky then others.

For example, I have recently become quite interested in the self-storage industry. Frankly, I had no idea how it performed in recessions and it’s consistent track record over the last 3 decades.

It also has some market indicators that suggest that this area of real estate is only going to get hotter and might be the best way to both maximally capitalize on an up market and survive in a down market.

Much of what I learned about this area was from my guest on this week’s Wealth Formula Podcast:Lew Pollack, managing director of Reliant Real Estate Management. 

It may not sound sexy, but one thing I have learned over the past several years is that some of the most profitable businesses are the ones that kind of sound boring.

Self-storage is a great example of that. Make sure you listen to the show!

Shownotes:

[00:00] Introduction

[11:41] Buck introduces Lew Pollack

[12:45] Lew’s adventure in self-storage

[15:37] How does self-storage stand out from other asset classes

[19:07] Why is self-storage recession resistant

[21:45] Demographic driver in self-storage

[25:50] Tax benefits

[26:57] Cost segregation Analysis

[19:19] Reliant Real Estate Management, LLC

[33:24] Lew’s investment strategy

[40:55] Outro: Email [email protected] for more information on this self-storage opportunity!

Record your question to Buck and be featured in the next Ask Buck episode on SpeakPipe at www.wealthformula.com

Ray Dalio, legendary Hedge Fund Manager and over-all smart guy has been talking about the coming “financial winter” for the last few years. He’s looking at the same things we talk about on this show all the time–near zero interest rates for a decade, ballooning asset prices, quadrillion dollar derivative markets, etc.

Neither Ray Dalio nor I are doom and gloom guys–we were just talking about the facts.

But then…something happened. America got TRUMPED. The stock market took off again and asset prices got even fatter. To top it off, the new tax bill created the biggest tax cut for corporations and wealthy individuals since 1986.

The result–we ain’t going to be seeing winter anytime soon. We’ve got global warming! That is unless there is a black swan event like nuclear war for example.

I saw Ray Dalio on TV the other day and he echo’d that sentiment. He said over the next two year if your money is on the sidelines, “you are going to feel pretty foolish.” the floodgates just opened to massive economic growth and optimism.

So what am I doing? Well, I’m investing and trying to find solid opportunities for my investor club. I’m never sitting on the sidelines anyway. Something is always for sale. And if you want no correlation with the markets at all, there is always life settlements.

But market exposure isn’t so bad right now. Put double digit gains in a product like Velocity Plus that allows you leverage your gains but take no downside and BOOM! You’re going to make some money.

Anyway, we live in interesting times (isn’t that a Chinese curse?)

So, for better or worse, make it work for you.

Kenneth Ameduri has been doing just that as a professional investor and entrepreneur. On this week’s Wealth Formula Podcast, we will discuss everything from gold to cryptocurrency so make sure to tune in.

Ray Dalio, legendary Hedge Fund Manager and over-all smart guy has been talking about the coming "financial winter" for the last few years. He's looking at the same things we talk about on this show all the time--near zero interest rates for a decade, ballooning asset prices, quadrillion dollar derivative markets, etc.   Neither Ray Dalio nor I are doom and gloom guys--we were just talking about the facts.   But then...something happened. America got TRUMPED. The stock market took off again and asset prices got even fatter. To top it off, the new tax bill created the biggest tax cut for corporations and wealthy individuals since 1986.  The result--we ain't going to be seeing winter anytime soon. We've got global warming! That is unless there is a black swan event like nuclear war for example. I saw Ray Dalio on TV the other day and he echo'd that sentiment. He said over the next two year if your money is on the sidelines, "you are going to feel pretty foolish." the floodgates just opened to massive economic growth and optimism.   So what am I doing? Well, I'm investing and trying to find solid opportunities for my investor club. I'm never sitting on the sidelines anyway. Something is always for sale. And if you want no correlation with the markets at all, there is always life settlements.   But market exposure isn't so bad right now. Put double digit gains in a product like Velocity Plus that allows you leverage your gains but take no downside and BOOM! You're going to make some money. Anyway, we live in interesting times (isn't that a Chinese curse?)   So, for better or worse, make it work for you.   Kenneth Ameduri has been doing just that as a professional investor an entrepreneur. On this week's Wealth Formula Podcast, we will discuss everything from gold to cryptocurrency so make sure to tune in.   Shownotes:

[00:40] Introduction

[08:11] Kenneth’s story

[13:30] 2018 in Kenneth's eyes

[15:55] Politics and the economy

[22:35] The precious metal market

[24:45] The interplay between cryptocurrency and precious metal

[31:57] Artificial intelligence technology

[36:14] Investing in the booming of AI

[38:21] Kenneth’s Crush The Street (https://crushthestreet.com)

Discover more financial secrets at www.wealthformula.com

Jim Rohn famously said “You’re the average of the five people you spend the most time with”.

For me, that would be:

My wife: Beautiful 42 year old graduate of Stanford and the London School of Economics turned fashion entrepreneur (see OliviaJoffrey.com).

My 8 year old daughter: We call her the “risk assessment supermodel”—gorgeous and geeky!

My 5 year old daughter: “Baby bombshell”—juicy...the kind you can’t stop kissing.

My 2 year old daughter: Crazy smart, energetic and more than a handful!

Phil, My only employee in Santa Barbara. Recent USCB Film and Media graduate. From Hong Kong—very smart, very creative and a little disorganized.

So—in my case, I’m not sure Mr. Rohn is right. The five people don't sound much like me. That said, I do understand the spirit and meaning behind these words.

I went to prep school where everyone was expected to go to college. Everyone did go to college. I remember the last day of AP english my senior year of high school looking around and seeing my classmates and thinking about where everyone was headed to school.

2 going to Yale, 1 Stanford, 1 Harvard, 2 Amherst, 1 Williams, I was going to Columbia—I don’t remember the rest but there was only 10 of us in that AP English class and only about 120 kids in the entire class of ’92.

Was that because we were prep school kids and we were just smarter than the average kids? No…our expectations were different. Not only were we programmed to know that we were going to college but that anything less than a top university or liberal arts college would not be acceptable.

So… we all made it happen and weren’t surprised by our success. Of course the infrastructure that we had around us certainly helped. For example, the “reputation” of the school made it easier for us to get into top colleges but this is all related to Jim Rohn’s initial statement, “You’re the average of the five people you spend the most time with”.

I have found that the same principle seems to hold true when it comes to Wealth. If all your friends are people who make under $100K per year, then you probably make less than 100K per year. On the other hand, if you are a millionaire entrepreneur, you probably hang out with a lot of other millionaire entrepreneurs.

We do this naturally anyway. The real question is whether we can manipulate ourselves into believing that we belong with groups of people that, according to our own realities, are "out of our league".

I believe the answer to this question is YES. Let’s go back to the example of my prep school. My parents didn’t actually send me there because they wanted me to go to private school. I wanted to go there because my best friend in 6th grade was going there already and he raved about the school lunches.

When I got there, I just got sucked up into everything else that group was all about. So how do you “fake it ’til you make it” and manufacture your own success? Well, you simply start acting the part. People talk about vision boards all the time for the same reason. If you are constantly around the visual and audio cues that suggest a certain state of being, you will eventually become that being.

Remember when you were a kid and $20 seemed like a lot of money? Then you were a college kid and $100 was huge. Maybe you think of $100K as a lot of money now. There are people who don’t think $100K is a lot of money. How did they get there?

I’m not talking about how they made so much money. I’m talking about their mindsets. I would argue that for most of those people, the mindset of $100K not being much money was likely there before it actually was reality.

Anyway, I realize that you might be reading this thinking that it is a bunch of hocus-pocus but I’m here to tell you that I am a living example of how someone can literally move their own financial goal-posts through mindset.

I bet you can too!

Buck

The Chinese word for crisis and opportunity is one and the same. I know this from personal experience. My entrepreneurial career was launched because of a crisis. It was 2009 and I had my first job out of training at a company called Lifestyle Lift. You may recall late night infomercials showing miraculous rejuvenation of aging faces. As it turns out, Lifestyle Lift was basically a facelift mill. Young surgeons like me would sign up and do 3- 4 facelifts per day. Lucky for patients, I was actually a very good surgeon and my results were as good as anyone in the organization—which covered most states and hundreds of doctors. It was my first experience being a non-resident physician and the money was more than anything I could have made on my own at that point. I made over a half million dollars in my first year out of training.   At first I loved it—this was a novel concept to me. I liked operating and the more I operated, the more money I made! Understand that as a surgical resident I made $50,000 in my final year of training and it didn’t matter how much I worked. After a while, though, I realized that there was a guy above me—the guy who owned the entire organization that was making A LOT more money than me and his fingers didn’t hurt from operating at the end of the day. Having recently read the Cash Flow Quadrant, I started to plot my own business. In reality, I had nothing going. How many people do you know talk the talk but never pull the trigger? Anyway, that could have been me. However, my big mouth got the best of me. I talked to the wrong people who relayed to management that I was plotting a rival business to Lifestyle Lift—which seemed like a pipe dream at the time. Anyway, management was not happy with me. They already were concerned about the rocky relationship I had with the office manager who they had hired from a near bye hair salon. I was not keen on the idea of this moron being my “boss”. She made me clock in and out for heavens sake! Anyway, despite being one the highest volume surgeons that Lifestyle Lift had with a virtually zero complication rate and patient satisfaction that was unparalleled in the organization—they fired me. I was shocked! I had never been fired before. I had never really failed before and this felt like failure. Anyway, I spent the next few days frantically figuring out what I would do. I had a newborn and no job. I had some money saved up but not enough to last that long. I had a choice. I could get another job and make $300,000 per year working for another organization. The problem with that was that I had this sickening feeling that the problem with Lifestyle Lift was not necessarily their fault. Sure I could vilify them—they were kind of an evil organization. There is no doubt about that. But most corporate organizations are kind of evil from the employs perspective aren’t they? The bigger issue I had to contend with was realizing, for the first time in my life, the entrepreneur’s curse. I am unemployable. I’m quite sure that had I taken another job that a similar scenario would have emerged. Somehow I would find myself in the middle of conflict with “the man” and I would probably get fired again. So I really only had one option—I had to start my own business. Now that was a journey itself that I won’t describe here. Suffice it to say that at one point, I was down to my last $2000 in the bank but ultimately turned this crisis into my first multi-million dollar business. Sometimes it takes a swift kick in the butt and free-fall to get you to act on something you were meant to do. Crisis equals opportunity. Without a crisis like getting fired, it’s hard to walk away from the warm comfort of the golden handcuffs. My guest on Wealth Formula Podcast had a crisis of her own a few years back—a life and death matter that made her realize that she had to make a change. The result: a multi-million dollar real estate organization and real wealth. Listen to this show because it could ins