Tag Archives: Real Estate Investing

How to buy first rental property?

**How to buy first rental property?**



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How to get started with real estate investing (Buy first rental property)
I have no money or have little money, I have no knowledge or little knowledge but I want to buy rental property
then follow this steps
1. Understand the process – you do that by
Read books or watch videos or attend seminars and grab coffee with people who owns Properties
2. Figure out what strategy fits your current situation
No money –
Once you understand the process and figure out the strategy the find the deals and take it the people you trust you the most who can lend you money and get mortgage
Like your 1. parents 2. Best friends or girl friend or boy friend
If you don’t have no way get that money then first focus on making money by saving and working extra or get into selling

Little Money:
If your working full awesome all you need 5% down in Canada
In USA less than 5% down for owner occupied

if your still lost don’t know what to do then reach out to me –
On social media
Facebook: www.facebook.com/adityakumarsoma
Instagram: www.instagram.com/adityakumarsoma
Youtube: www.youtube.com/adityakumarsoma

Recommended Books
1. Real Estate Investing in Canada: Creating Wealth with the ACRE System (
2. Rental Property Investing by Brandon Turner (

Social Media Websites that can help you regarding Real Estate
(BiggerPockets)
(Real Estate Investing Network Canada)

Remember: Formula for Success RAN(do RESEARCH, take ACTIONS and NETWORK with right people)
I’m currently living and Investing in Windsor Ontario Canada
I have no idea where to start but I want to buy my first rental property I have some money for little money I have some knowledge or little knowledge that is this something your situation than this video is for you Namaskar ah de bercy's recall when I come good morning good evening everybody this is Aditya welcome to my channel if you haven't hit that subscribe button please do so right now for an awesome content regarding my real estate investing and realtor journey so without any further ado today I wanna help you if you haven't purchased any rental properties then this video is for you if you're wondering where to start from then this is the first step for you I'm gonna share particular things in this video watch till the end make a notes if needed follow that has this I promise you you will have a rental property within a couple of months it could be you can buy if you are like really aggressive you can buy it in one month if you are like a little bit slow and steady it still you can buy it in next three to four months but stick with me with the process and follow what I'm gonna suggest in this video so step number one you have to understand the full process that involved to buy a property you know how to write offers so what is mortgage what kind of things involved in it you have to understand those whole process obviously I'm not going to detail those steps because I already made a video you can check out here thus 10 steps involve in order to you know understand the process so that's the first step go check out that video second get on to books which are specific about rental property how to invest in rental properties there are a couple of books if you're Canadian and the best book I love about rim written by I don't remember the author name but I will pop in the picture here I will put a link in the description and also a couple of other books they're like really gives you a solid knowledge on what are the you know what is the process involved and what are the type of strategies that involve you you can understand a overall picture of about rental properties so check out that then also get on to social media platform that is specific to the rental properties that is specific to real estate investors which is bigger pockets that's really really a useful resource just get on to it go meet local investors on on that group you will see people who are investing in your location if you don't find any just you know pick up a phone and call a realtor in your local area or find a realtor who is a investor specialist and ask him for suggestions so if you go through the steps and also get on to bigger and bigger pockets podcast or a couple of other podcasts who are like talk about investor stories so when you go through this multiple stream of sources you will first understand the process so that's really important before you buy a property once you understand the process in that simultaneously second thing will happen which is you figure out a strategy that fits your criteria because this is really important where many people fall aback because you know they look at some people who are like they preach that hey buy six unit building ten unit building or some people preach that buy a property which neat enough work drin you a tit and refinance your money and some of people will taste that just buy a turnkey property which has good cash flow or some of them will tell you that buy student rent out oh my god what the heck there's many strategies but if you understand the process if you learn from other people who are doing this now you know what are the strategies are available out there now take a step back and look from your point of view because everyone is made differently me and you are different no matter what it may you might have some commonalities but we might be starting from a different point I'll give you some examples for example you have no money at all you're a young kid you are like 22 or 23 but you're really enthusiastic about it you already in the process of learning about the process now where do you start from so for you the best option is to go talk to your parents ask if they can joint venture which to you if they can give you some money like 20% down so then figure out and if you want to get out from if you don't want to do any job just take the investing as a main source then find the properties that cash flows so that might be your criteria or for example if you are working full time you already have a solid job which is your active income but you want to build some passive income for your family you know to have a solid return on your money then that's a different scenario you have to look for something maybe you don't have enough time to you know find the contractors or do the renovations then just go find a property which is already a turnkey in a good location in a good you know which can appreciate well but at least it will sustain by itself you know without any negative cash flow so that might be a criteria for you or you might be someone who just started working full-time you you have a little money maybe like you know ten thousand or five thousand or twenty thousand then you can go look for property that with a 5% down with a price range whatever makes sense to you maybe you can live in one bedroom and rent out the other bedrooms like I used to do before so who how do I know or how do someone who is talking about specific strategies know your situation so what I'm trying to tell you is it's really important figure out what situation you are in right now are you with money or without money or with credibility what I mean by credibility credit history are you do you qualify for mortgage or you don't qualify for a mortgage so figure out your situation and find a strategy that fits your criteria because this is where many Falls now if you have a specific criteria based on your scenario now go start looking for properties so the third step is go start looking for properties keep on making offers keep on making offers until you get it and find the people to you know work with because if you have done the step one and step two already now you're in inner circle with the different people to work with hooray just keep with it buy the first property this will help you if it doesn't then reach out to me on social media or let me know in the comments below if you have like you know if you couldn't figure out why that way the hack to start from just reach out to me I will help you too and there are many other people who can help you too so reach out to people find out the solutions for your problems and with that thank you so much for watching this video if it's helpful let me know in the comments below if it sucks still let me know in the comments below because comments can give me an idea what you how I can help you so that way I'm not wasting your time with that have a wonderful life

How to Drive for Dollars | Beginner's Guide to Budget-Friendly Lead Generation Techniques

**How to Drive for Dollars | Beginner's Guide to Budget-Friendly Lead Generation Techniques**



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Driving for dollars is a great way to find leads when you’re just starting out as a newbie investor. If a kid can do it, so can you! That’s why we made a video of actual children doing it so you can see exactly how simple the entire process is. See what houses we decided to write down and learn why we skipped on others. Then head over to the blog ( to see what to do with those addresses when you’re done!

Why  Millennials Aren’t Buying Homes

**Why Millennials Aren’t Buying Homes**



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Lets discuss why 74% of millennial aren’t buying homes or real estate investing – enjoy! Add me on Instagram: GPStephan The YouTube Creator Academy: …

Millionaire Reacts: Living on $280k A Year In Detroit | Millennial Money

**Millionaire Reacts: Living on $280k A Year In Detroit | Millennial Money**



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I recently saw a video by CNBC Make it – Living on $280k A Year In Detroit | Millennial Money – and I review his finances, spending, and investments. Enjoy!

TODAY SHOW MONEY EXPERT JEAN CHATZKY | YOU NEED MORE MONEY | EP.120

**TODAY SHOW MONEY EXPERT JEAN CHATZKY | YOU NEED MORE MONEY | EP.120**



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TODAY SHOW MONEY EXPERT JEAN CHATZKY

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welcome to the you need more money podcast I'm your host Matt manera where I come to each and every week from my studio in Dallas Texas my guest today has a wonderful talent when she provides advice on money to millions of people she will tell it like it is and make you enjoy listening to her and watching her while she does it I've been watching her for the last 15 years I've learned so much for my guest today particularly through her books her constant appearances as the financial editor of The Today Show on NBC and even her amazing new podcast called her money I love the podcast thank you it must be a combination of her wicked smarts her Midwest upbringing and just her downright pretty smile is my pleasure to welcome Jean chats e to the program today Jean welcome I can't find a quiet place to do my podcast I really don't want to do it they're like no we can't I didn't say it for you Jean but for a lot of times I'm like come on I got other stuff I got to do but I'm grateful that you did take the time and I know the time is short for us so I'd love to get right into it you and I have a very unique connection that that I didn't know about it until I listened to your podcast and you don't know about it me but we both went to cooking school to Johnson & Wales I actually thought I wanted I thought that was it and then I got there and I was like wait a minute I got to work off every weekend and every night and and sort of be a night owl even though I'm a morning person and then I switched my major to Hotel Restaurant Management and that's what I graduate with a degree in Hotel Restaurant Management but I and I said six months in cooking slow into this great master chef program at the new school here in New York City and very quickly put on about ten pounds and decided me and food spending that much time together not such a good idea but I love to cook I love to entertain I do it a lot and I'm never unhappy that I said that's it's nice awesome I tell you one thing that I realized that why I wasn't a great chef though was because I guess two things one I never tasted the food I'm such a climb the hill person I was like it's good it's good and then I realized deep into it that I wasn't cooking with love and that's a huge difference I mean they would you agree that there is a real there is a real tangible exchange of love from the chef to the food well I love to cook still but I am a taskmaster when I cook and I get the feeling that you're much more of an experiential cook it would you say so I do have a weakness for dinner last week and I can do that I love that that's great so that brings us to the topic of today's show as we digress back to what we're here for you know as I mentioned in the in the in the start of the show before we hit record you know the Stewart I I'm on this mission because of my brother-in-law and the fact that he died so early and left left his family in in tough spot and my wife and I were able to drop in and fix that money situation during that period of time but it created an unusual development on our family because at some point we had to say no more and that was really weird right while he was sick and we were trying to get him better it was a hundred percent will cover all your bills let's take care of this thing let's get you better but then afterwards you begin to start to say to yourself well now what is this the way it's going to be are we going to be fueling a widow and four children forever we had to make our own decision financially Jean and that's a tough spot yeah incredibly and every day right when you're when you're looking at your kids and they're out of the house but they're still on cell phone and they're still on health insurance and you want excellence you want them to do it on their own and they want to do it on their own how do you get them there yeah the ability to draw that line in the sand and say no more is a tough thing mm-hmm but Jean you've seen so much in your career as a financial expert have we as Americans changed over the last two decades financially oh yeah yeah how are we better we're different we're very different and we're different because we've been forced to be different right you think that not necessarily 20 years of 30 years pensions right health insurance they came with the job maybe had to pay a little bit probably not you had a lot of confidence that Social Security would be there and Medicare would be there today we have 401ks we've got to put money ourselves or IRAs or sets or whatever you know it's a self-funded vehicle we are paying more every single year for health care it is a huge worry and Social Security's right we're worried about you know we think okay it'll be around for us and even if they don't fix it it'll still be around in portion for us what about our kids what about our grandkids yeah we don't have that belief anymore the way that we used to so we're different because all of these responsibilities are now on us we are angry right it is feeling this populism that's rising in the u.s. and at the same time we're not educated we don't know what we have to do when we have to do it to fill in the gaps because nobody teaches us so we are better than or or does that I think we're different I think I think some of us are better some of us who have learned to work within the system are better I suppose you know when when you are able to invest for yourself rather than relying on some pension fund to be invested for you the upside is greater if you do it correctly or if you do enough of it but are we better off as a society I don't know I think I think a lot of people are not definitely and you know I see it every day I have this very unique economic view in which I see credit applications from from common Americans truckers tours construction guys everyday we see thousands of applications a month in my core business and we don't see it getting better we don't see bank balances going up we don't see savings accounts we see fear and stress and every customer of I have to make more money but I'm terrified that I have to buy more equipment and go into more debt to do it it's this constant dichotomy that's going on well in debt I mean so I'm watching the numbers too I'm watching I don't get the bird's-eye view and see for the first time since 2008 you know mortgage mortgage debt is climbing we know student loan has been steadily climbing credit card debt is climbing once again loves to and I worry about the lessons of the recession did we did we learn not to take on too much but at the same time I hear I hear what what you are seeing in your applications with your customers because wages haven't kept pace right so even if you just want to tread water you have to earn more earn more earn more which requires taking on greater risks which we may not be comfortable with and you know I get to the point and I think you're there too as I see it in the title of your book I can't fix the economy you know I I'm not I got a C in basic economics but I can focus on my own economy and your own economy and that's sort of we've been thrust into this era where we have to have more responsibility and so what I want and what I think you want is for people to say okay I will accept it and I'll do what I have to do to take care of myself and my family yeah because the security blankets that you talked about earlier whether it's pension or it's even matching for that matter or heavily company-sponsored health insurance or certainly Social Security they just don't have the same longevity impact our quality of life impact that they maybe once did great and even if you know Social Security's fine it's here let's go with that I'm gonna cover about 40% people need depending on what you want to live like right right that's an average but 40% of what they have now okay gotcha so it's not it's not even close but here's what I do see and I think your point earlier in the conversation was awesome which is that when that security blanket goes away and we get control of it again I look at it as a positive as an entrepreneur and a capitalist I look at that as a positive but a lot of people don't understand and so they live in this concept that I call in the book false positive where we actually think we're doing better than we really are right the bills aren't coming on pink slips anymore we can actually go to Disney World with the family we can buy the $2,000 purse we can get the fancy steak and nobody really feels it but the reality is we're not moving the needle and net worth at all and that happens a year after year and before you know it it happens decade after decade and now we're in our 40s and 50s and we're scared to death because saving is really hard and saving is the thing that has to happen from preferably an earlier age even if you don't catch on that's the leash and and because we're and by the way not only does nobody teach us to be good but we're just not wired that way right human beings are not they're wired for the steak they're not wired to take the same sort of satisfaction that they get from the steak in the rising balance in their in their eat it now all right so so it's it's a nice thing about modern society the nice thing about technology is technology can fix this problem like if you buy into it you give yourself over to it and you start on this habit of allowing technology you just get some money out of your way so you won't spend it you will be fine you just have to you just have to take that step yeah we don't have to learn all the things that everyone tells us that we have to learn we don't have to be a stock picker we don't have to time the market we don't have to do a lot of that stuff I mean you you're a big fan as I am of dollar-cost averaging in a low-cost index fund but just you know do it set it and forget it I mean if you're lucky enough to have a 401k that automatically enrolls you and automatically escalates your contributions you get to the point where they need to be you know this right because it's happening around you whether you chose it or not I think something I heard on your podcast and I love that your podcast is dedicated just for women I mean I know that you'd be happy to have a man on it sooner or later right but yeah and and that's what I enjoyed so much about it because the the listened to a number of the episodes but one of my favorites was with brené Brown Vanna brené Brown I saw her speak a couple years ago at an Inc 5000 thing that we won and I was just blown away by her and my wife loves her too which is maybe why I like brené Brown because I know that that's right I can say oh well brené Brown has his podcast with gene called her money you should listen to the episode and my wife will listen to that episode yeah but she said something in your podcast with her and I'm paraphrasing slightly but she said women put their heads in the sand and men hide because they're guilty and you guys had a wonderful dialogue about that but the gist of it is that a lot of women defer their financial responsibility to the man that doesn't mean that they're not working women they could be and the man because he's not getting it right begins to shut down in that conversation over guilt or fear or I'm behind and I think it's such a he that that one sentence is so massive to me yeah because it means when I don't think each other right we're not solving the problem and it sounds like that's very much what happened with your brother-in-law that that he he knew he wasn't doing it buddy he was sort of deferring or shut down shutting down because he wasn't he didn't understand how important it was to do it now not just him I did it and I even talked about it in my book I did it with my wife early on in the business I've been in business 23 years the first decade was hell which i think is important for a lot of entrepreneurs to understand that what you're seeing unsocial is really not the path that most entrepreneurs have to go right you most people will have to really put in a extended period of time of misery to be able to I call that the pain side of your business to get into the pleasure side eventually hopefully um and I'd lied to my wife about it my wife's name is rocky little five-foot to redhead Spitfire but I lied to her I told her we were doing better than we were and that eventually caught up to me when the electric bill kept getting turned off and you know she would she would buy into my BS it for an extended period of time and then finally she just called me out and that was a real watershed moment for me but but I know that millions of men deal with that same level of guilt of and and I love how Bernie and you talked about it which was it's not that we're failing it's that we really don't know how to win at it again nobody teaches us right when you and I were kids we did not I don't think our parents expected the system to shift around them so maybe they taught you to save a little bit to put some money in your piggy bank or something but this this idea that you needed an education on credit and and how to grow your money and asset allocation that's that's new that's that's foreign and I agree with you I think I think it's its but what parents did pass along to their sons was this idea that you have to take care of your family right so you put the two of those things together this is your responsibility nobody's going to teach you how to do it and I get the guilts head-in-the-sand White Lies that come along with it it's I think it's very understandable because you feel like you're letting somebody down all along the way and women are coming along now like the fastest-growing segment of the population I believe is single women and or you know all these things it depends on how you measure but the number of single women is growing really quickly and we need to whether or not we are in relationships we're where our earning power is finally coming along they need to figure out what do we have to do in order to maximize this new power that we have so gene how do we do it what is your advice to to both sides what would you say to the man who is who is really living in false positive afraid to that he has not been the breadwinner at the caveman the security blanket that we all believe we are supposed to be what would you say to that person on on a strategy that he could come clean to his spouse or conversely perhaps the woman is that is the winner a winner and and she may be living in false positive to let's not discount the fact that I would say first of all your spouse knows your spouse already knows mmm your spouse even if your spouse doesn't know that they know they know because you are telegraphing the stress you're bringing it all of you every single day and so having a conversation about it is really important but it's not like it's a secret it is not secret and and I would say look I talk on my podcast about the fact and I talk about money for a living but I don't particularly like to talk about it with my husband I don't you know it's it's not there the ins and outs and I am the primary breadwinner so you know this is what's coming in this is what we're gonna do with it these are our responsibilities this is what it's looking like with all the different kids in blood life I I don't love those conversations I like the conversations about what our futures like a dream in conversations let's go to Paris I like that but so we schedule it and and we will often I like to do this in the car like will often just eat we're on a car ride for an hour we're gonna wilt eat up so that neither one of us is surprised and then we'll just we'll just talk about it and sometimes it's unpleasant and uncomfortable but you get through it and you get and you move on to the good stuff and you have to spend a little bit of time on the good stuff and and i think i think spouses like to hear from each other a message of I need you you know whether it's I need you to help me write this you know letter or I need you to turn on the sprinklers or I need you to go through this finance thing with me so that we're both on the same page and I feel better about it like I think an i Nietzsche message is always welcome and you shouldn't be scared about that I tell you what has worked for my wife and I is that scheduling thing because I'm the guy who drops in and says hey guess what we're about to talk about and she doesn't like that surprise so I love your suggestion of scheduie and literally whatever that is that says every Sunday whatever whatever that period of time is but the fight occurs when the other person says I feel like talking about it now and the other person is not even read there on some other plane and all of a sudden you start talking about change and they were spending too much or whatever it's it's really important massive take away schedule that one yeah life can get you there too if you're feeling like you need some sort of an excuse to have this conversation every year we go through major life changes and they all have some sort of financial element right we're gonna have a kid we're gonna have a grandkid we want help we're gonna change jobs there are so many different ways to get into this conversation that have absolutely nothing to do with opening a bill mmm gotcha I like that let's if you don't mind I'd like to ask your opinion on and I hate to you be male or female on it but I do think it's massive this guilt that men feel about their inability to provide endlessly and financially and do you think that that's just a you know put your big-boy pants on and man up go out into the marketplace earn more money bring home more bacon or is there a much deeper level that I'm oversimplifying for a guy I mean I mean I think in some ways it's generational but I you know I I hear a lot from my millennial women listeners but they're the primary breadwinner that it's not as much of an issue for them as it might have been for my generation and I do think I mean my husband focus group of one but he is you know I earn more than he does he takes care of other things that I don't take care of like work as long as your I do think society it's a really really judging on this issue and so I don't think I think I think a couple's financial life a family's financial life that's your own business in close ranks and you don't let outside friends or in-laws or other people who have opinions on the right way to do things impact you as long as you guys are happy in your relationship I'll go a thousand percent with that I'm just a little skewed because my rocky reminds me all the time that that's my job we have clarity we have clarity in those roles in life I mean you have to be within its ro kki on the birth certificate that was really it's not like Raquel shortened it's alright well gene let's let's finish on what I like to call the money game I want people to understand that it's not too late so we've already touched on this and I hope it didn't the audience didn't glaze over but one of the key components to being financially secure is the earlier start at the compound interest effect the ability to to move and make moves in your 20s that are much harder to make at the same deposit level in your 40s so somebody's in their 20s what is the key financial advice you give to somebody in their 20s get to the point where you're saving 15% you are doing that you've pretty much solved for most others right you haven't saw before you need a will when you have a kid but you have you have solved the biggest problem you're ever gonna have which is saving enough mm-hmm yeah you know what it's probably one of the few times where actually 15 percent is a workable number it's the decade of your 20s because compound can actually make up oh yeah let's move to our 30s and I like to paint this visualization right this is the young couple they're they're they're you know maybe moving up the corporate ladder in some capacity they're probably starting to earn more now they're getting a little bit of confidence but they have these you know two kids picket fence sort of thought process and they're starting to wonder how the heck are they gonna pull it off they've actually had that first glimmer of wow I this is going to be harder than I thought to actually retire what do we do what do we tell the 30-somethings right now they've got the student loans that they're still retiring they're straddling today and yesterday and tomorrow and so I would say don't get so laser focused on having to retire those debts that it prevents you from investing in tomorrow it's okay to the student loans okay base for payment if it allows you to so now it begins to get very difficult though because this next decade of the 40s they didn't do it in the 20s they probably didn't really do it in the 30s the 40s they're moving up the ladder they're starting to make good money middle management upper management and perhaps they now have the big house and they've got the cars and the kids are now pushing teens and they're starting to panic about college and they know they're underfunded in the retirement and they still carry debt whether it's mortgage car or student loan debt still what are we telling somebody who is now officially behind in their 40s your forties is when you have to say I have to take a step back and it might be a big one in terms of my lifestyle in order to make up this ground and so maybe it's a smaller house maybe it's a one less car maybe it is a second spouse who hasn't been in the workforce back in the workforce to earn more maybe it's another business like you got to work one side of the equation or the other and if you can say if you can't earn significantly more than you got a downshift and and pump the savings away and we got to go past the 15% then right now we've got to start the other thing that you can do because we're all living longer you can do it more readily than before is acknowledge 68 I'm not going to work till 65 I'm gonna give myself three additional years on the end of calendar and that makes a huge amount of difference now this is the saddest decade the next question around the money game it's the 50s in which maybe the spouse hasn't been in the workforce because he or she was managing the household and the children the children are now moving through college and they're behind and they know that time is no longer on their side for compound interest it's still on their time for longevity right the average male lives 280 and the average female lives to 84 and gonna go longer you still have 30 plus years but they're now starting to say gene which i think is the saddest thing that I see in in this demographic they're starting to say not in my lifetime yeah but and so that down shifting with the kids in the house is hard that down shifting once the kids are out of the house is eminently possible whether it means going to a lower tax estate whether it means going to a neighborhood that's lower tax like you can actually start to focus on you again at this point and you should because if you don't those kids are gonna have to take care mm-hmm that's for most people that is the that's enough to know that the kids are gonna have to take care of you as now people want no no way I'm dealing with both my mother and my mother-in-law right and he causes a lot of stress not for me so much because their needs aren't that huge right I mean it's a couple thousand bucks a month but but but what is huge is the feeling that they don't quite have the freedom that they had because they they have to live on such a narrow band of fixed income yeah let's go to the last one which is the 60s which I actually think is perhaps the most complicated because I see this all the time and I think I'm even beginning to experience this you start to say to yourself well wait a minute maybe I actually do have enough like like maybe I lived my whole life afraid of not having enough and I chased it in chases chase and I gave up some happiness and I gave up some pleasure and it was on my mind all the time and I sacrificed but now actually I might actually be alright I actually can pull this thing off what do we tell somebody in their 60s on how do they begin to make that scenario that analysis of whether or not they actually can pull this thing off and retire financially secure somehow that's what we tell people no matter how many scenarios you and I run on the radio it's not personalized enough to deal with individuals and the special needs child and the fact that they want to have a second house over here like you need personal advice to make sure that you actually can do it you need to run the social security calculation really carefully because there is more money there if you do it right you need to take income for life into consideration right we tell people accumulate accumulate accumulate what we don't tell them is okay it is just as make it last as long as you do and that is a different but very important process calculations so you gotta solve for that and I think heading into retirement is exactly when you do that and the other thing I think people need to hear is that you don't have to stop working people are happier when they are continuing to work and so you find something that you like to do even if it's earning a little bit less than you're earning now you want to get into a plan where you can transfer your skill set and your time into something that will sustain you longer because you know if you don't just want to take off and run you need to do something with your time yeah I mean I love I love the title on a business card and it's usually Europeans that have it it's called it's called merchant banker and I believe it's really what Americans call consultants but it's it's the ultimate for someone in their 60s who can take this massive skill set this expertise that they built up and still be able to stay in the workforce and perhaps even leverage it for all the gap that they may need so Gina I want to thank you for being with me I know time was tight for you and I'm grateful that you took some time to spend with me so it was a pleasure to meet you I mean really I have learned so much from you over the last 15 years and I have been a massive fan of yours I followed everything and I love the new podcast her money oh thank you and and congratulations on what you've built I mean I think I think when people come along and are inspired to do this for a personal reason it always resonates and clearly what you're resonating is doing so thank you for having me you got it Jean thanks so much I'll see you down the road okay you