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Title: Why Most Capital Raisers Will Get Sued in the Next Crash with Rob Beardsley and Craig McGrouther Summary: In this episode of “Fund Friday,” hosts discuss the innovative solutions offered by Tribe Vest, a pioneering fund-of-funds startup, which is poised to transform the landscape for emerging fund managers, investors, and capital raisers. Guests Travis Smith and Seth Bradley delve into their personal journeys and the genesis of Tribe Vest, highlighting the advantages of adopting a fund-of-funds model that enhances compliance and increases access for numerous accredited investors. They detail how Tribe Vest supports fund managers through its comprehensive services, allowing them to raise capital efficiently while ensuring legal and financial compliance.   The conversation unfolds various industry challenges faced by fund managers, such as the difficulties in connecting accredited investors with good deals and maintaining compliance in the ever-evolving regulatory environment. Smith and Bradley underscore the essence of Tribe Vest, focusing on its operational efficiency—providing essential support like K-1 tax distribution, capital-raising infrastructure, and investor onboarding—all streamlined with technology.   In conclusion, they not only spotlight the competitive pricing and quick service turnaround of Tribe Vest but also express their commitment to fostering a landscape that democratizes access to high-quality investing opportunities while empowering fund managers. Their vision seeks to break down barriers traditionally faced in private investment, paving the way for a more inclusive investment future. Links to Listen and Subscribe: https://podcasts.apple.com/us/podcast/fund-friday-e49-the-cost-effective-way-to-launch-a/id1511202840?i=1000673582673 https://open.spotify.com/episode/4tLAtXFe3OrqtCwyc7gfBE Links to Watch and Subscribe: https://www.youtube.com/watch?v=GVgT4GMrPPI&t=70s Bullet Point Highlights: Tribe Vest revolutionizes the fund-of-funds model for emerging fund managers. The connection of accredited investors to high-quality private investment opportunities is crucial yet challenging. Efficient operational support, including compliance and investor onboarding, sets Tribe Vest apart. The need for compliance amid industry scrutiny has shifted sentiment towards fund-of-funds for risk mitigation. Tribe Vest empowers fund managers by providing an institutional-level infrastructure for capital raises. Cost-effective solutions allow fund managers to focus on relationships rather than administrative burdens. Quick setup times (just five days) streamline the capital-raising process for fund managers. Transcript: welcome back to another episode of fund Friday this is going to be a very nutrient dense jam-packed episode with two amazing people we just had the pleasure of connecting with them once more at our Flagship uh summon event in New York City the gentleman behind tribe vest here a cuttingedge fun to fun group VC backed the whole nine this is going to be such an important episode for all you emerging fund managers you Capital raisers Maybe investors who kind of want to know behind the curtain what's going   on and also just from a structural perspective as to how we've been able to scale our business safely and compliantly but with that said let's give a warm introduction to Travis Smith and Seth Bradley how are you both today good craigg good to see you it's been just a few weeks since we were in New York together which was an awesome event glad to be here yeah well there's been a lot of great updates to the product that tribe is offering since our initial conversation we had so I would almost even argue um for the   better Awards you can maybe even scrap that episode for future purposes don't need to look back because we're going to cover that and then some here today so I'm absolutely elated and thrilled to talk about that so let's get right into it and just to start with for some some context because we're gonna just keep it moving forward here how did Seth and Travis and the team have tried best kind of Forge and kind of come together from you know this Alliance from a business perspective yeah tra you want to kick that off man   sure sure and look you can't scrap that first episode because I think it's the first episode yeah like we're in the record books at this time right yeah so yeah no look uh me finding Seth and Seth Finding Me is a big part of our story no doubt really uh in early 2023 we had built out the infrastructure and the technology uh we' even been challenged by our clients to build out the back office where we do all the distributions cap table management uh k1s taxes and um but I hadn't quite figured out the fun to fun portion of this yet   and uh good story you know met Seth Bradley at a a conference in the British Virgin Islands where we were both speaking at the event uh both of our wives were there and uh they hit it off we hit it off and just had a wonderful wonderful week and weekend and um and that was when Seth kind of really opened my eyes to um this opportunity Seth you know how how do you remember it where where you know how how did it go from there yeah well funny enough my my pitch or my speaking engagement was on fund of funds it was   it was teaching the group about fund of funds what is it how can you how can you go from basically a passive investor and and start a business raising capital and and fund of funds is kind of the the next step and at the same time the industry was was pivoting there was uh you know there were Winds of Change so to speak from the the cgp model and people were starting to really take the fun of funds model more seriously and take a deeper look at it and the timing just couldn't be better as Travis was   taking his company and and trying to make it pivot himself into the the syndicator and the fund and the capital raising market and you know originally there was a cgp type of model that was being uh thrown around and actually had a good bit of success Travis right going into uh earlier that year and you know I I we just got into some deeper discussions about where the market is and where it's going and the market was really going to fund to funds and I said' look Travis if you're going to if you're going to take this business to   the next level get ahead of the game like this is where it's going it's going to fun and fund is kind of getting away from the cgp model so if you're going to build a product around that market really should focus in on fun to funds yeah I mean and I'll just go as well just to to piggyback off that timing is so funny there because I think it was roughly around the summer of 2023 when fun to fun was the biggest buzzword in the industry what is a fun of fund how does it work why is this the most compliant way do I need to do it what is   it how does it structure everything included there so we're going to unpack that all there but it sounds like Travis you might have had an additional comment well I was say it really it truly was right place right time for Seth and I to meet you think about leading up to that it was the becc 2023 and there just all these Rumblings with some some bigger names in our industry that were under an investigation for the CP model and that was really how the industry was working with capital Partners at the time and uh   collectively realized that there's got to be a more compliant better way and there I was with a two-thirds of the solution talking to Seth who rep represented the the last third of the solution so really was right place right time and and uh you know we're we're we're so glad to be partnered together and and solving a big problem Big Challenge yeah well and let's get right into that problem so the the problem of the industry so how can someone like loans start Capital safely compliantly bring dollars into our deals from   outside investors fund managers capital allocators and opportunity so what is the industry problem and what are you guys both solving Seth I I'll hand it over to you I think from a big industry problem I mean there's just the age-old you know you have awesome lead sponsors that are working hard finding great deals private deals out there like Lone Star and and then on the other side there's over 20 million accredited investors that want the benefits of private investing they want the the benefits that come with real estate they   want cash flow they want tax advantages uh you know they they want the appreciation all those things that are Why Real Estate so awesome they want to invest with these lead sponsors in these deals but as as we know unless you're kind of in a country club or in the network it's really hard to access those so that's the big problem the big problem is we have great lead sponsors with great deals and then on the other side we have have awesome accredited uh investors looking for those deals meanwhile they can't find each other and   uh they don't know how to access them and so the the industry as a whole you know a big conduit to solving that is this Capital Partner right the fund manager and Seth I'll turn it over to you kind of again maybe start with how the industry was solving it and what the problem was with that right yeah I mean I think you framed it correctly it's it's access we know these these accredited investors are out there there's Millions U maybe tens of millions out there in the United States that um maybe they know it maybe they   don't but they they might want to invest um they need educated they need access to Deals and on the other side you've got uh lead sponsors you've got fund managers you've got Capital aggregators who want to get access to these folks and we work on that in our business every single day about how do we reach these accredited investors um and then we all have our own little networks of people that we can raise capital from and that we know and that they no like and trust us to be able to place their   Capital with us um you know since the jobs act in 2012 which is um what enabled us to start going out and soliciting and advertising um in the public uh for deals and raising capital in that manner and the the problem is that everything's been great since then up until covid right the real estate market has just been going absolutely through the roof so anybody that decided to jump into the the sector during that time had success I mean you could just you know throw paint in a wall and you're G to have success because the   market just really helped us out a lot like you had to make a lot of mistakes operationally um for things to go wrong right I mean you really did you really did um not to not not Lone Star Lone Star is awesome right you're you're absolutely right no you you you hit the hammer on the nail there for sure yeah and it's uh you know until covid hit and we got that little blip and that was just kind of a you know something that you know came and went um but now you've seen in the last year and a half or so   the market has slowed down um you've seen Capital calls you've seen um you know some SEC um interactions with folks and trying to see if Capital was raised correctly things like that um kind of looking into how the market evolved the market evolved beginning with a cgp model um you know initially the C GP model was thought to be compliant and if it executed properly it is compliant if you have all people in a group that are raising capital for their own deal they're all active participants they're   all General Partners they're all executing the business plan and participating in decision-making all good that's an age-old uh way to do business and it's been done for all the time right like you've got Capital you've got people actively participating and all is good but just like anything else you know us entrepreneurs we like to go around the edges and try to pick and choose like oh well can we do this or can we do this let's push the limits and unfortunately the market kind of changed into this this um this thing   where we push the limits too far and we've had 10 15 20 CPS in an active deal where you know really all they're doing is Raising Capital right like we might try to say on paper that this person's doing that and this person's doing investor relations and this person's doing a little bit of underwriting which all may be true true but at the end of the day if the SEC comes in and says let's take a look at your whole business plan plan with this particular asset in this particular offering and see how you   raise capital and who's doing what and they're going to look under the hood and they're going to be able to figure it out they're they're smart people back there they can figure out what you're doing they can figure out that hey this person raised uh $200,000 and got 2% and this person raised $600,000 and got 6% it's pretty easy to put those pieces together um but like I had mentioned before the market you know kind of went our Direction and there were really happy investors nobody was upset nobody   was suing nobody was asking questions and now since the market has changed you've seen the capital calls you've seen the foreclosures you've seen the investors upset um and now that's what Travis was alluding to earlier is there were certain folks in the industry that were um you know getting interviewed by the SEC I don't think anything ever came of it but it was enough for people to be like look we've still got to raise Capital we've still got to do these deals somehow what other way is there to   do it that's more compliant than this cgp model that the industry has turned to and the answer is fun to funds and it's always been fun to funds you know there's people out there that have preached that for years but it's just a little bit you know more nuanced a little bit more complicated a little bit more expensive so people have stayed away from it yeah so exactly and and thank you so much for painting such a Picasso beautiful picture here pertaining to the why before and why now and kind of the context there because I   think so many people are missing that why y component so you beautifully explained that so but then why is the fun of fund the route to do it in because it's pretty similar right and fun of funds to your point have actually been around for really not going to say forever but for a long period of time so just curious to know you know why fun of fun is this the solution from a client's perspective and and things of that nature yeah and we can and Travis jump in here whenever you want but we can kind of go through um with each   stakeholder why why it's compliant why they love funded funds maybe why they don't you know let's talk about the pluses and the minuses um I think we can start with the lead sponsor I mean for the lead sponsor um to me there's there's really no downside and I'd love for somebody to may maybe making a counterargument to that but to me there there's no downside for the lead sponsor themselves right the people that are actually operating buying executing the business plan by them creating a level of Separation through the fund to funds   model and not uh inviting other folks into their deal to raise Capital they're creating they're creating uh risk mitigation and dissipating liability for themselves right and they don't have to worry about bringing people into their business because it's a totally separate offering that the fund manager is going to be putting out there separate from the actual lead sponsors right and and uh another reason why the lead sponsors love it other than it's compliant creates that separation is it's way more uh efficient   way more efficient when you're working with a capital partner and they're the ones that are pulling the fund to fund they might be bringing in five 10 15 20 investors into their fund to fund well uh they can coordinate that from a sales perspective and then also on the ongoing Administration right it's one line on their uh on their cap table right so instead of getting 15 smaller checks you're getting you're getting one big check and it's just way more efficient and way more safer is is Seth said too yeah and your your listeners   are are very educated but just in case there a few out there that are wondering I mean the the fund of fund itself is just an LLC it's just a a group of investors it's a you know somebody managing that which is the fund manager and that LLC or that partnership however you want to structure it legally is actually just a passive investor for the lead sponsor it's just going to be a big aggregated passive investor for the lead sponsor so I just wanted to clarify that yeah and then let's talk about from so   and there's also been some Evolution I hit on that word to start the conversation but before we were partnering or triest was partnering with this a couple handful of lead sponsors but there's been some Evolution so can we talk about how you guys have maybe handpicked and cherry-picked some of the top you know first and- class sponsors and how it worked kind of before and now the new product lines rolling out and how you know why fund managers are loving it and should even love it more moving forward absolutely yeah great great   question and great points here so you know as you mentioned Craig when we were initially rolling this out uh it made sense for us to to cherry pick and go work with uh the lead sponsors with the best track record the best reputation and we're proud to say that you know Lone Star is one of our earliest lead sponsor partners and um and then since then uh really we had almost a requirement where you had to go through one of our our lead sponsor partners and there's good reason for it we'll we'll come back to   that in a second but since if you're lead sponsor and looking to do this on different deals I'm sorry if you're a fund manager and looking to do a fun to fun on different deals working with different lead sponsors you can absolutely work with tribe best so and you think about the benefits of that right what you're what you're able to do is you can control your own brand right you you get to build your own um your your company you're building a business one deal at a time and from your Investor's perspective instead of them   going to one investor portal and then you know going to another deal that has another investor uh portal they can actually all come to one portal uh as you're using tribe vest so um I want to again just point out that fund managers can now uh absolutely work directly with us they don't need a lead sponsor now I will tell you this think about the benefits though you do get when we are partnered with the lead sponsor and lonar is a perfect example of that right lonar has done the work to say look if   you're a capital raiser you get these marketing resources right you get we we'll we'll put together a you know a deck that you can configure um we've thought through all the economic for you so if you're wondering how to communicate the terms and the returns you know lone Stars gone as far as adding it to their their underwriting spreadsheet so you can play with the numbers calculate it and that's a huge deal right and so all these things that a a lead sponsor partner of ours like lonar does just makes it so so much more   seamless when we do engage with the funder manager right we don't have to go back and kind of figure out well what are the economics and and how are you you know doing uh you know commitments from your investors all those types of things so fund manager can absolutely come and work directly with us it's still way more smooth because we already have the offering docks ready we already have the calculator ready we already have marketing materials right all those things are reasons why by working with   one of our lead sponsor Partners just makes the experience that much better for you and your investors yeah and just a little back and for a lot of people who may not be privy to this but if you are a capital allocator specifically that we're talking about in this situation who is looking to work with the loans or capital or a group similar to us your other sponsors there's just some groups that are just not really built or have the infrastructure in place to really streamline the funto fund process I.E and the underwriting   model IE it already been kind of baked in there we've done this before some groups are kind of in Old way of doing things maybe they only do a couple deals a year that's totally fine I'm not saying that's a bad thing but they might have to create a funto fund breakdown economics setup for the double waterfall there where everyone gets paid out the investors get their returns that should be you know similar to what our investors get and then the fund manager needs to figure out his compensation for   his basically part in the opportunity so we have that baked in and we've done this now enough times to know how this is going to look and actually as a matter of fact to go through that process even one step further before we even go to public or live with the opportunity to even start the capital raising those numbers are ironed out those numbers are in place you know what's going on it's not a scramble drill amongst everything else to get your partners going so on and so forth when you do partner and work with us   which is a key benefit to do and solve for one of the most important uh places in the capital raising you know equation which is speed and time so we kind of shrink that time Gap versus other groups when do that or the other people that you work with which is highly crucial there are a lot more groups now that are tailored to the fund of fund but not every group is um so that's the exciting thing and then going back to now being partnered with a fund manager at at the fund manager level as much that's   amazing for a multitude of things number one if you're a capital allocator fund manager we don't see who your investors are because as Travis alluded to it's one check going into our opportunity so you get the shield and Sheltering in that perspective in that equation there so that's number one number two is we're not going to create the other big problem in the business I would say which is Portal fatigue so it's not a big issue it's not the endl be all but you know if you're let's say a alt uh a   big alternative investor guy right guy or gal person what's GNA end up happening let's say if you've got five to 10 sponsors you're probably going to have you know a bunch of different portals to go into but if you work with a couple of capital raisers who only use triest as your back office well that's immensely beneficial because you can just keep your accounts there so I just want to really highlight those two things and if you want to expand on that further please feel free to do so yeah I mean I'll jump in for sure I   mean you know I've got to mention again compliance right like think about you know the fun to fun model where the fund manager is going to create their own business they're going to create their own entity that they're going to manage um that going to administrate and they're going to operate so by doing so yes there are more responsibilities you are running your own business you are taking accountability for you and your investors and your business but uh on the flip side of that is hey the old CP   model you're getting into bed with all these other CPS that you don't even know I mean you may they may be an acquaintance off of social media or you might not even know who they are at all let alone the lead sponsor so if one of those folks does something wrong you guys are all in the same boat like you're not just taking care of yourself but you've got to worry about all the other people that you're in business with and if they do something wrong they're going to put your investment and your past investors um in a bad   situation and let's get to the next idea which is some of the problems that some people have experienced with a fun of fund that I think you guys are really really Cutting Edge on to solve for them so let's just talk about maybe a couple of the problems which I think is you know the expense I think there's a lot of misnomers about how expensive it can be um and also what you kind of solve for it how you bundle and Pat package it together because if you're the typical person that's going to be very expensive   but that's why we love you guys uh the administration burden and then also time so let's T let's just kind of break down those problems there how you see fit accordingly and uh we'll let you take it away again SE I'll let you jump in because you were saying you were just at a conference in uh think that uh maybe rais Masters conference in in San Diego and you the conversations you were having with fund managers once they kind of fully understood what we did and how we did it it really kind of uh popped   for them so anyway I thought since that was fresh i' I'd ask you to to talk about it yeah I think people that have any kind of experience uh raising Capital under when they hear about all the things that we do and for the amount of money that we do it for they are absolutely blown away I think the problem that comes up is that it's a misunderstanding of what we do and what we are so a lot of folks that don't understand will put us in a category of just being an investor portal they'll be like hey triest is like cash flow portal   or like syndication Pro or invest next or one of those and they just kind of lump Us in with them and we're like that's the smallest thing that we do the smallest thing that we do is the investor portal that's that's one of the services that we provide but we provide everything Soup To Nuts I mean from start to finish I mean it includes everything that you could possibly imagine I mean from getting your EI and letter to setting up your LLC to opening your business banking account to doing your legal documents and setting those   up for signatures for your investors and actually onboarding your investors or hurting the cats I was going to say you actually get a account manager to help you on board your investors professionally and uh yeah you mentioned hurting cats that's maybe one of the things that we're the best in the world at is helping hurt cats yeah I think that's something definitely gets so much fun Craig knows about it all too well yeah lot a lot of work lot of uh reaching out to investors lot of questions on hey where how how do we   fill out these form fields on these subscription documents right like where do we sign how do we fill this out what does this mean those things those they they take time they take effort um it's an administrative burden for you and your company and we take that off your hands and then we also Badger the passive investors till they actually send the wire right like a lot of times they get cold feet and you know we prompt them to to send the wire and actually finish their investment all the things that investor relations manager   might do we handle that now there's there's some teamwork involved as well because they're your passive investors but um you know we do the heavy lifting on on that side and then even on the back end we are managing your cap table so we're setting that up for you on our dashboard and actually making distributions to your passive investors now you can log on to your dashboard if you want to and send them out manually when you want how you want and what amounts but if you want us to just take those over pursuant to the terms of your   offering documents we'll handle that as well it's amazing and and the and the taxes yeah I think Craig tax can't forget the taxes yeah the taxes k1s again one K1 comes in from Lone Star uh we we of course at our core the banking and the cap table so we have the ownership percentage makes it easy for us to and our CPAs to create that K1 for each one of the members we distribute it they find it right in their uh document Management on their dashboard and uh literally two days after After we receive the K1 your   investors have the K1 so think about that and I know everybody's going through tax season here yesterday was kind of a a big day uh but it it's um it's a it's amazing that it really speaks to the technology that we have that we can receive the K1 on behalf of the the deal and then create those k1s in two days and distribute them to to the members I was just going to make one last Point Craig you know I think if you think about what we do if you think about an Institutional level group or fund so I think the way   fund managers can think about what we do is we really bring this institutional level uh setup legal Administration so think about a family office all the organization all the administration everything they need to have in place to operate well we bring that down to the individual level so you can have that institutional level Administration and setup as a you know a oneman business and therefore you can you can really build a business and a brand here's the thing one deal at a time you don't have   to go invest tens of hundreds of thousands of dollars you can do this one deal at a time because try best is in the business of of helping you uh launch a capital raising business efficiently amazing so let's get into the next two components which is expense and time so let's talk about time and then we'll bring it home for the the of course the the elephant in the room which is what is this going to cost me so let's get into the time factor and how long it takes to set everything up from Soup To Nuts from Hey I want to   work with the deal to you know funding and things of that nature Seth you want yeah yeah I'll jump in um timing wise you know we are industry leading in that in that as soon as you give us the basic information that you that we need for your fund of fund so you know just simple stuff like what do you want to call your LLC what do you want your preferred return to be what do you want your profit split to be those those things that you're going to make some decisions on as soon as you get those items to us which is in a simple   form that we provide that you fill out and we walk you through that as well we can have your business banking account and your LLC set up in two days and we'll have you ready to raise Capital meaning we're going to have your legal setup we're gonna have your business bank account open all those things done within five business days so that's why you know it's we should emphasize what Travis said there that it's a deal based decision I mean you can come to us with a deal that's already that's already   under contract that that maybe the lead sponsor is already raising for and say hey look I want to raise for this deal but I've only got a few weeks to go that that's plenty of time for us to to jump into action so it's really tough to do that with let's say you know if you came to me and I have my security attorney hat on i' would be like there's there's no way we we've got to get this going weeks before that like you've got to give us some setup time um with triest we've we've got it streamlined   and efficient to the point where five business days you're raising Capital that's incredible and that's just really a big X Factor that should make everyone feel comfortable with the process because you know there's situations just like go out a sponsor level here where hey a capital raiser might have not been able to get an allocation to deal because of the commitments were there and guess what someone Falls up short well now as you know as a sponsor whatever dollar is not coming in you got to make up for that so it's kind of a a   moving moving Target a kind of moving goal post in many respects so it's very nice that five days you're in you're out you're ready to go to the next that is awesome and then the next thought I have there is a capital allocator maybe you were late you're on vacation and there's this great deal that maybe your inbox is flooded and then one they you know peaked your interest and you could get the space into it well hey the deal could be live but you could have a five-day window to get your turntable   going to raise Capital safely and compliantly um in within this structure and infrastructure yeah great great points again I'll just come back to the benefits of working with some of our our lead sponsor partners like Lone Star so you heard Seth say hey as soon as you have all these things in order and you push the tri the tribit button we spring into action and you're ready to go right well you do need to have certain things figured out before you hit that tribit button and again the nice thing of   working with a a group like lonar amongst many other reasons is they have really ironed out the program the fun to fun program so if you're coming through them you already have those things figured out you hand them we get handed off or you get handed off to us and we're you're pushing that button and in five days you're ready to do onboard investors it's incredible that's amazing now the final thing what people have been waiting for what does this cost cuz you have to think for the amazing benefits   and the amazing opportunity you get to raise in this time and environment this has to cost a fortune maybe there's a massive upfront cost you know I'm not going to get into names but some groups charge an arm and a leg to get things set up if you want to do the more Boutique bespoke route where you're doing everything yourself without a name brand in a sense of the the setup you've got to go through the painstaking process of finding a Seth and a Travis and a this and a that to get all your documents ready to go however it's   pretty cost efficient and effective here so let's get into that I'll let Travis speak to our pricing at trivest but I do want to frame it with this when I worked in big law and you know massive Law Firm thousands of attorneys you would come to our law firm and want to put a fund of fund together or you know maybe even a more sophisticated fund but our prices started at $75,000 I think a lot of people out there in the industry are used to seeing kind of oh yeah maybe it costs like $115,000 maybe it cost $12,000 $225,000   on the top end when you get into the big leagues $75,000 to start and that's just your first drafts of your offering documents and then maybe one round of revisions and then we start charging you $1,000 doll plus an hour um to get across the finish line and that is just the legal by itself and guess what you may get there and then some could change a Nuance could happen and guess what you got to start it all over again and make further res revisions and have more billable hours to your incredible   attorney like s uh these people make a lot of money okay so this is a incredible opportunity to be in a very nice spot here where it might be cheaper and to your point there about that dollar fee I'm hearing 25 Grand from certain Services I'm hearing 75k 50k to make it do it yourself and for some people that's great that's fine that fits into their budget but for I would say the most people that are doing this that probably makes it to a point where you're paying to raise capital and that's what we're looking to avoid and   solve with try this so with that said Travis lead us away absolutely no what a great discussion and I teased Seth all all the time about his his industry it is it is it's the establishment right so we're disrupting The Establishment no doubt about it and uh so we just talked about what it would cost kind of going the more traditional routes well we're able to do everything that we just shared with you the setup the legal offering do uh the banking the uh helping of the onboarding setting up the cap table you   know doing the servicing of the filing for you all that for $5,000 so literally say that one more time please $5,000 yes only $5,000 and here's the other thing right when we talk about having the economics of the fun to fund set up and again getting back to the benefits of working with loone star is they've they've figured out the terms and uh even added in all the expenses of tribe vest right so that $5,000 is actually included in those in the economics so it's you don't have to kind of add on additional uh cost it's all in   there right and and you can do that with tri best because it's contained there's there's no creep of cost right and and I think it's also important to call out how we're able to do this is we have made a very firm box of what we're doing of course we've we've tailored it to these deals like to these deals so everything's in there that you need including the compliance includ you know everything we just talked about um but that's how we're able to do that this at scale and TurnKey and done for for you   so it's $5,000 to set up now we could also talk about what's it cost to administer this over five five years six years right most of these business plans are five years before they're exiting you know working with an administrator an Administration uh you know administrator you're talking about $155,000 a year well with tri best it's $2,000 a year remember we're doing all your uh distributions for you your cap table management that includes your k1s your taxes so you know anybody that's done this before they're like   it's more than $2,000 just to do the taxes every year right never mind you get the portal your investors have a a dashboard to see all their Investments and and set up their payout accounts and they get to see when their distributions are how many distributions they've had that's all there and and the distribution so anyway it's you know I think about we we mentioned right right place right time Craig and we've talked about all those things that kind of lined up for us but the industry has been trying to   figure this out and we just like to think that we're a small part of it we're that technology that kind of was the major unlock that kind of opened up the floodgates if you will and um and now our job is to go out there and tell people that this exists like this tool in technology is available for you and you should build a business on it yeah I want to make some other kind of comments and points there so you hear right there so just to summarize that it's $5,000 takes five days and it's you know   roughly $2,000 maybe a little bit more depending on the number of investors you have in the opportunity but all that's fine and dandy but if the product wasn't good that is where the problem is and it's sucks and I mean it sucks to spend money for something to not work well and people's experience that we've worked with have really liked the infrastructure of the product what it solves for because I think I'm someone personally that I am not afraid to spend a dollar I'm very good at spending money   but I like to spend money in areas where it's actually worth the money and I've had very good reviews here from people who have of course used the product so I just want to share that right there and that's kind of been some of the burden with some of the other products out there as well you spend a lot of money for the technology to not be great I mean Travis has a background with tech so inherently having that there to have the infrastructure be supported by a good product is the difference between   coming back and not coming back so I just want to tip the cap there to make it not only a good product but also have people come back to it but um it being cost efficient and effective as well and then the other time factor that I want to speak on is more from a sales perspective being someone that's been in sales by basically my entire career since I was 21 um almost a decade of sales in real estate specifically the last thing that I want to worry about and think about and do is uh had there be a burden of having you know to go   through Administration stuff talking to an attorney doing this doing that doing everything that's not shaking hands and legitimately moving the conversation forward and funding dollars into the account and what tribe best solves for is a cost- effective route with good technology and done quickly where you don't have to think about any admin stuff I want to connect with people I want to talk with people I want to grow the relationships and raise the capital I do not want to deal with in the your   view and the peripheral stuff and I'm sure you guys can appreciate that sentiment and also I've had people say similar things as well it means a ton to hear you say that of course that's we're building our business on fund managers coming back and building their business on our platform so um you know it's funny as as the founder and you know always improving and growing uh the the the the business and our solution We're Never Satisfied and um we always think we're disappointing in terms of the experience   or and we can be doing this better and we can right and we will but when we get feedback and we we do net promoter scores and get the feedback back from the fund managers and we get you know seven plus you know would you recommend this to friends and family and would you come back and that's just a super high rating if anybody's familiar with it and um and we're we're we're proud of that but we are just getting started I mean we are just getting started so I think we nailed the fact that we bring a ton   of value you know you're getting a good value uh but now we're going to really wow you and your investors that's our goal and uh we're going to keep pushing yeah so let's talk into maybe just the mission as the why you know why you guys are so passionate about this and want to create this product because you both are really smart guys you're very successful prior to this endeavor and Venture so you know why is this your mission and in your day to-day right now because you have the option of working so and doing   really what you want to do so let's talk about that maybe man that's Travis that's you again buddy you're the you're the big picture guy bring it oh man no look I think Seth and I this is personal for both of us right um my brothers and I wanted to get into real estate we didn't come from a real estate family you didn't get it you know that education in in school and we did what you know we've been doing since the beginning which is you know you come together with your tribe when you need to figure something out and that's what   we did and we we we started a a a tribe pulled our capital and started investing together and it changed our lives and it changed the trajectory of our of our family's Financial lives and um and that's why we're doing it um you know by doing this the fund managers right they're they're the they're the heroes in this movie the fund managers are the heroes in this movie that's how millions of investors are going to get access to these deals like the wealthy right we all know why we love real estate it it's   it appreciates it cash flow there's tax advantages you you name it there's a reason why the wealthy invest in these private deals these private real estate deals well most people don't have access to it the conduit to getting into those deals are you are the fund managers are those Capital raisers we're just happy that we're providing a tool for them that makes it easy that makes it easy but as you can tell we're passionate about it Seth I mean he he was a capital Riser right Seth's done a lot he's an   entrepreneur but he knows how hard it is to be a capital Riser and uh maybe you could talk a little bit about what what's motivating you s yeah I mean just quickly you know I took the the Bigger Pockets route so to speak you know read Rich Dad Poor Dad startlist to the Bigger Pockets podcast did a house hacked into a duplex and then started buying single family properties fixing flips and then started investing you're a grinder grinder just level by level by level right um started investing passively in deals when I   became a little bit more sophisticated um and then I was like okay now what now I want to be on the active side and at that point I really wanted to switch over to not practicing law whatsoever I was like screw this I'm leaving Big law I'm not doing this anymore I'm only going to invest in real estate um but then kind of along the the Journey of becoming an active investor and a syndicator and capital Riser I realized that my highest and best use is actually still as a Securities attorney and I'm   pretty good at it so I've kind of integrated that into my real estate business and and use that to um uh join join triest which is at the Forefront of I think perfect timing in this industry right like real estate and legal are two industries that just move extremely slow they're dinosaurs they don't want change and they're resistant to any kind of change right so we've got to as entrepreneurs even if we're fund managers or passive investors that are looking to um diversify our assets or lead sponsors we're the ones that have   to propel this forward and say hey we've got technology now behind us we've got all these different tools and ways to do things we need to take advantage of that and at Tri bestest we're building that so like what we are today is going to be completely different than what we are in q1 2025 and Beyond we are we are constantly building taking in feedback from all of our stakeholders and and and looking to take over the market I love it well then let's just real quickly go back into this we've kind of touched on   it but maybe just more specifically how you do work with everyone from lead sponsors fund managers and I know you're obviously always going to conferences and masterminds you're very accessible in many respects but let's just get into you know how you work with everyone once more just to maybe spoon feed everyone a little bit more information yeah absolutely so the lead sponsor uh we help them form their funto fun program right and that's a huge Advantage for them uh that they can offer a turnkey   funto fund program to their Capital Partners their their Capital raisers their fund managers and we'll we'll actually sit down and talk about all the things that you need to do for that to be successful you know how are you going to work with the fund manager um economics we talked about that you got to build in the fun to fun economics into your underwriting you know uh how are you how are you going to give them access to the marketing tools those types of things and really the the blueprint is is um you know is Lone Star   so lone Stars uh leading the way as they do in most things out there and have built just an awesome fun to fun program and that's why so many fun to fun managers are working with them but um you know that's how we work with the the uh the lead sponsors and we talked about all the benefits of that cool and then go ahead Seth on the are any questions there Craig no I think that that was really well said um kind of building out the blueprint that many people don't have and just how it works and pertains   to us if you are a capital allocator you kind of have understanding of the deal functions and then there's a additional level there of of underwriting materials so you can raise Capital so you understand the ever important what's in it for me conversation you can assess your opportunity cost between us and other sponsor if you're looking at other deals and whatnot I'll tell you this right now I'll say it again and again again we under promise and overd deliver that's kind of the the Mantra that we   try to have here like everything we're probably never going to show you the highest Returns on projections um we like to beat our deals up as much as possible prior to going live because it doesn't serve us nor you the investors to see what the best case scenario is um we try to make it as modest as possible with our assumptions so you know we have our infrastructure for what the deal looks like from an underwriting perspective what your theoretical compensation could look like so these are things are just very important to   think about uh we want basically everyone to be at parody what do I mean by that well if you're a capital raiser looking to raise for our deals we want your investor returns and our investor returns to look very similar they're going to vary ever so slightly because there's a slight drag you know for the fees Associated to the deal what do I mean by that well there's the administration fees that could be about $2,000 so sometimes that by comes by way of affecting the cash on cash return minuscule from a couple you know basis   points I would say roughly about the what looks like but you'll make it on the back end for the lift and raise of the deal there when the deal goes to sell so it's never going to be 100% similar because there are some you know technical nuances there but it is to be fair to everyone there and then you'll be getting you know a nice return on the deal that you raise for as well should there be profit split um above the preferred return so I just think that's a really important thing to hit on as to   how that fundamentally works now let's get into Seth with you over there on fund managers yeah fund managers we kind of touched on it already but you know we' we've changed our business so we're ready to work with fund managers directly um you know you can reach out to us and have an exploratory call if you want but really when you have a deal or you have a lead sponsor that you're ready to to work with that's really when we can spring into action um make that introduction reach out to us make the   introduction to the lead sponsor we can start going to work and again we can have you uh once we have the the information and and the things that we need from all the stakeholders we can have you up and running in five days and you know I'll just go ahead and talk about the passive investors too because they are really important maybe the most important I know a lot of those folks are are listening right now and just know that that's on our that's always on our road map to make the passive investors happy to make that user   experience awesome and streamlined and um you know just just an awesome experience for that passive investor because ultimately that's who we're serving we're trying to reach the passive investors let them get their money moving and so they can uh create multiple streams of income and we want to make that experience awesome for them because if they're happy then the fund managers are happy and the lead sponsors are happy too yeah there's two things that this show is about it's about the for this particular episode two things   it is the fund manager to be safely raising money in an everchanging business business and it is all about at the end of the day the investor the investor is the straw that stirs the drink they are the king of the beach so to speak they're the ones that this is all about for us to be able to give people who may not know that they can invest in those beautiful commercial real estate buildings that we drive by all the time you know it's sad to think that you know that's not in the hands of Main Street so to speak you know a   $50,000 investment gives you access uh to that product type now I'm not saying that's where every dollar should be you should have money probably in the stock market maybe you should have some money in your primary residence maybe you don't believe that mattra but you should have also some money in these institutional grade ACC or assets and that's what we're delivering here and it's so fun to be in a conversation with you both because you guys really are creating and are the future so it's cool   to be in in the moment to be having the conversation now but to be also progressing accordingly with with you all moving forward we just appreciate the partnership there's a reason why when we were cherry picking our initial lead sponsors that we we started to work with lonar and uh just you know couldn't couldn't tell you couldn't tell you how much we appreciate uh this partnership and and like you looking forward to what's to come in the future here yeah well with that said we could talk forever but we got to wrap it up at some   point so let's do that now Travis and sth thank you so much for giving us so much of your time here being generous how can people reach out with you want to learn more with maybe partnering at a sponsor level investor level and or a uh fund manager level absolutely LinkedIn is always the best place to kind of find me and follow me let me know you you heard me on this show I'd love to connect with you and uh and then you can email me and we'll also have a link on the show notes Here If that's uh if that's uh okay yeah of   course you can check out trib vest.com obviously and then for me you can find me all over any social media platform so feel free to reach out excellent well gentlemen thank you so much for your time today for those listening I hope you enjoyed this informative conversation about how the industry is moving and grooving and Ever Changing uh so we'll see you next week everyone have a great rest of your day peace Links from the Show and Guest Info and Links: https://www.youtube.com/watch?v=GVgT4GMrPPI&t=70s https://www.structuringandraising.com https://www.lscre.com/content/passive… https://www.lscre.com/resource/underw Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en Rob Beardsley's Links: https://www.linkedin.com/in/rob-beardsley/ https://www.facebook.com/RobBeardsleyLSC/ https://www.lscre.com/team/rob-beardsley https://www.instagram.com/robbeardsley8/ https://www.facebook.com/RobertToddBeardsleyIII/ https://x.com/RobBeardsley3?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5Eauthor https://www.tiktok.com/@robbeardsley3

Title: Why the W-2 Grind Will Never Make You Wealthy with Jamie Bateman Summary In this engaging podcast episode, Jamie shares his journey from being a competitive athlete and military officer to becoming a successful entrepreneur in the field of real estate and mortgage note investing. He emphasizes the importance of discipline, teamwork, and taking ownership of one's financial situation in achieving success. Jamie discusses his transition from a W2 job to entrepreneurship, highlighting how he leveraged his experiences and strengths to build multiple streams of income. He shares insights about his current business model centered around mortgage note investing, explaining the differences between performing and non-performing notes, and elucidates the challenges and opportunities present in this field. The discussion also emphasizes the importance of long-term planning and learning continuously, making the case that discipline ultimately leads to freedom and flexibility in life. Links to Listen and Subscribe: https://podcasts.apple.com/us/podcast/from-military-officer-to-mortgage-note-master-one-mans/id1618672867?i=1000643495099 Links to Watch and Subscribe: https://www.youtube.com/watch?v=t6nU0TtMAFc Bullet Point Highlights: Athlete to Entrepreneur: Jamie shares how his background in competitive sports instilled a sense of discipline and teamwork. Financial Ownership: Jamie discusses the importance of taking ownership of your financial situation and actively seeking improvement. W2 Quitter: The transition from a stable government job to entrepreneurship reflects Jamie's journey of self-discovery and ambition. Mortgage Note Investing: Jamie provides insights into both performing and non-performing notes, illustrating how to generate passive income through debt investing. Value of Networking: He emphasizes the necessity of building a strong network for finding investment opportunities in mortgage notes. Continuous Learning: Jamie advocates for lifelong learning, suggesting that successful people always seek new knowledge and skills. Long-Term Vision: He stresses the importance of setting long-term goals and reverse planning to maintain focus on achieving one's aspirations. Transcript: Jamie what's going on brother welcome to the show thanks Seth this is this is awesome um I'm excited to be here and I'm hoping to add some value absolutely man third time's a charm we've been trying to get this scheduled after I was on your show which was fantastic had a really good time uh on that show and I think it turned out pretty good so I know we're gonna absolutely we're gonna deliver on this one as well yeah we're GNA try to try to I'll try to do as good a job as you did so yeah that was that   was uh yeah no I that was a very very good episode from adversity to abundance I would highly recommend your your listeners check that one out to your episode on that show so thanks for thanks for doing that absolutely man you're an incredible interviewer I've I've that's the only uh I've been on dozens of podcasts and you know you pulled out a lot of things for me that I've I've never talked about on the air so it's pretty pretty awesome pretty awesome show man appreciate that cool man well let's just jump right into your   background man what's your story um take it back as far as you'd like to brother yeah um man uh I'd like to think that life has phases so I've had a few different phases in in my life um you I come from a a large uh family I'm I'm the oldest of seven kids and we always had a competitive uh background as far as team sports and things like that so um I played lacrosse in college that was always a foundational piece of of uh my life and just kind of I think from there learned how to be a part of something   bigger than myself and how to work toward a common goal with a with a team so that's been something that's been a a kind of a thread through my life and then um got married and uh joined the military and um actually joined the military technically before I got married but seemed like I got married and then ran off and and uh ran away from my wife but it's not exactly what happened but uh joined the military was an officer in the in the US Army did I did miss my first three wedding anniversaries through deployment and   things like that um and again it was a matter of trying to be plugged into something you know to serve and be a part of something bigger than myself and trying to trying to add value like I think we all we all want to do um I've obviously glossed over a lot of lot of details but those were uh a couple of inflection points I guess if you will um like you like to talk about I know um and so my military career transitioned into uh a a career with the Department of Defense as a civilian and um did 14   years as a civilian with DOD at Fort me and the first half so the first seven for all you math whizzes out there uh was full-time and then the second half the second seven years was part-time and that seven years is when I was really building my businesses which are largely um real estate investing and mortgage node investing Focus so we can get into the details there and then in 2022 I ended up quitting my job and and um now I have a few different small businesses that I run and like you Seth I've got a got a   lot of different things that I'm juggling and uh you know so but yeah I love talking about taking ownership of of your financial situation and taking ownership of your your life really and um I know that you and I have that comment so yeah that's a that's a high level overview of my background awesome man I appreciate that that there's a lot to unpack there you know going back to you know playing sports all the way up to the Collegiate level that's incredible I always like to to think even playing like poporn or football   back in the day you need a way to instill discipline in yourself and I I that's kind of the the oldest memory I can think of where it was hard right like it was like you've got a coach screaming at you like back in the day it's like you know they wouldn't give you water unless you like you know for like an hour which I don't think they do that anymore now but you know you had to earn that drink of water and and all those sorts of things but you you really learned what it's like to to work hard and you really learned what discipline   was all about and I would say that and you can you can expand on this but yeah I would say that you know being in the military yourself that takes it to a whole new level right it's like you you you got that from Sports you got that from the military yeah definitely I mean obviously they're very different in a lot of ways but that is certainly a common theme is is being disciplined and um and people people shy away from that word um because it just sounds like work or or no fun and no flexibility but I found that having   discipline in your life ends up adding more freedom in a sense um because you kind of have your foundational pieces set in stone you don't have to think about those and so um yeah regarding team sports it's it's really a matter of um you know everyone doing their part right and so there's a level of individual discipline and um and then just and then also just kind of putting the putting the group ahead of yourself um obviously the you know you want individual there's nothing wrong with individual accolades and I I was   certainly uh chasing you know those individual accolades it's not something I shied away from I was you know I definitely was wrapped up in trying to be an All-American and um that kind of thing and and did get that a couple of times you know but it at the end of the day nobody really cares about that and um the way I viewed it was if I was doing my part and I got those you know if I was scoring goals in Lacrosse as an example that means I'm contributing to you know to the team right and so there's obviously a fine   line there but of going too far either way um but yeah that discipline is critical you know even C I played at a high level in college and and there was year round you're training you're you're uh you're into it it was a division three school but it but the reality was we worked just as hard as any any D1 program and um yeah it's it's a these are skills that have paid off and are absolutely transferable to the rest of of life for sure yeah I think you've got to get those those intangible things you've got to develop   them somewhere along the way whatever whatever that is if that's Sports the military or you know from your parents I mean you can get it from different places but you definitely need it I mean you know we're in different stages of our life at this point we're talking about a lot we like talk about freedom and flexibility and fun um to try to get away from kind of the W2 uh mindset but in order to achieve Freedom flexibility and fun in a successful way you had you have to be disciplined to be able to get   there you you had to have done something successfully to be able to get there or maybe what separates you from you know the guy living in a van down by the river right like that guy that guy has Freedom flexibility um I don't know about fun maybe fun but yeah but you know it's it's a different obviously it's a it's a different outcome yeah and I I I still I think I still need you know I still use a lot of discipline today it's still still required but it's I guess I guess it's self-imposed and um you know I just love   love having that flexibility and that freedom um that comes along with being an entrepreneur so yeah it's been a central piece to my success for sure um but I I I still I don't think it ever you know goes away I just get to pick and choose what you know what discipline I want to kind of enforce on myself I guess um so yeah absolutely and and and as you said I the military was a huge part of that for me as well I mean that's a different kind of different kind of discipline and different kind of teamwork and different you know if you   lose a lacrosse game okay you lost the lacrosse game but military the stakes are a little higher um so maybe certain things are more important attention to detail are crit is critical and um but at the end of the day it's yeah it's that the same principles apply across both I I guess sectors if you will for sure for sure so let's dive into that that transition you started working kind of part-time there for seven years so that seems like a transitional period how are you able to progress from you   know that W2 and what what I've heard you say is call yourself a W2 quitter and I love that um you know how were you able to progress from a W2 person to a W2 quitter what enabled you to do that and what that transition looked like I mean you know I do remember in 2015 probably a little bit maybe maybe say 2014 but I just you get you know I had a wife and two kids and I had the commute the long commute that I I know a lot of people can identify with so um it it just was Groundhog Day it was the same   thing over and over and over and that's not me sitting here complaining about my family or having a having the opportunity to work um but after a while it gets old let's just be real right so it's like you're sitting in traffic and I just you start looking at you know I was I worked for the government and you look around you say who okay who's sort of ahead of me on this like you like I I think you probably mentioned on our on your your show on my my show your episode um you look around to the people   who are more kind of Al further along the path than you you say do you want to be that person is that the life you want and man I did not want that and um it just just having that just super long-term just you know the pot at the end of the rainbow I guess uh nothing driving me in the in the interum man it was it was just it was brutal so I probably did a little woes me for a little bit there a little victim mentality for a bit but then you start to realize like okay if you don't take ownership of your own life no one's   going to right so no one's going to come in and do this for you so I'm not sure what truly you know created the change in my mindset but my mindset absolutely started to change and I just made a shift and I and I stopped watching cable news I stopped uh just you know stopped paying attention to all the things that I can't control and I couldn't control back then and and started saying no what do I have what are my strengths who is in my who's back to the team thing who's on my team who's you know who's in my   network that I can add value to and who can add value to me so I started looking around and um you know my father was a realtor for many years my brother was a loan officer I we had uh one rental property at the time and so and IID worked at a I didn't mention I worked at a title company and I worked for a mortgage broker before as well briefly so I had this experience that a lot of people don't have and that's you know that that doesn't mean I'm better than anyone it just means these are my strengths so let's point to that and   let's use that so I started really being intentional about focusing on my strengths and my assets that I had in my life right and then another asset that I used to see as a liability was the time in the car so I started listening to podcasts oh you know and and then it turned into wait I don't even want to go into work yet because this this podcast episode is amazing and I'm learning so much you know Bigger Pockets and all the other real estate podcasts and different investing podcasts and um started using   that mental bandwidth instead of focusing on National media stories that I have zero influence over uh here's something that I can actually take action on and so um in mid 2015 uh I I I went part-time and and just so happens that at uh DOD it's one of the few agencies in the in the federal government where you can go part-time and still keep your benefits so I still had health insurance for my family you know most people don't have that option necessarily but oh oh well I did so that's what I did and and um you   know that's uh again decided decided to start building my my other streams of income outside of my W2 um had my circumstances been different if I was single I probably would have just quit the whole thing right but I was able to have that kind of laded approach I guess or tiered approach to kind of ripping off the Band-Aid yeah yeah no that that that's awesome I love just the idea of of taking ownership of your your life right like everybody has those moments where they're feeling sorry fors um but but the successful people they   don't sit there and stay in that that mindset they they move on they you're going to be there sometimes but you've got to get out of and you got to say okay what what can I control what can I change and you don't say you don't give other people the power to control you and your mindset and how you feel about your life right like that's that's that's the thing like if if you if you're constantly blaming someone else or saying this happened to me rather what can I do to get myself out of it then you're going to be stuck there   forever you're you're going to be you're going to be spinning your wheels forever um and a lot of that I think helps because you said you don't listen you don't watch the news I don't either it's a waste of time what control what does that do for us it's if I do watch it I literally do it for entertainment and you look at it as an entertain I look at it like I'm watching sports almost absolutely I I look at it like this is funny like I can you know what I mean you kind of analyze like this is funny   this guyy saying this in a debate this guy's saying that it's not taking it as fact and news and this is how I should live my life because of what they're saying absolutely and it's not to say that none of these topics are you know important right I mean right Glo Global you know war or I mean politics poverty global warming whatever that's all very important but I have zero control over it almost zero right and then um you know the other thing is fear sells and that's that's what they're selling and so doesn't mean that every   story is invented and it's all fake fake news but it it just doesn't serve me and so I'd rather focus on you know go ground up and kind of uh you just I see it in people maybe older people in my own life now who maybe are retired and and they watch the news all day and it's like they won't travel because they saw a news story that the airports are packed or something and you know it's I'm sure that story was was accurate right but it but the but the news can filter out and and you end up only focusing on the negative really and   it just didn't serve me so yeah um during that La the second seven years I was able to build out my wife and I were doing single family real estate investing and doing a lot of the Burr method that maybe some of your your audience is familiar with uh um and so kind of putting that Capital back into the the rental property um machine and expanding our portfolio um and then eventually last year Well in in 2018 I made the pivot I kept the rental properties but made a pivot to also add on mortgage not   investing and that's been my primary focus as of late um and uh if you want I can tell the story quickly about how I actually quit my job in 2022 I I think it's kind of kind of a funny one absolutely let's do it all right so um I uh so two years ago uh I was playing bad mitton and um I'd been doing now mind you I used to be like tough you know athlete and like I did you know did Jiu-Jitsu for three years right up before this and you know used to lift Waits a lot and still do it here and there but you know I think I'm tough   right and uh ruptured my achilles playing bad mitton so that's an ego blow uh to add on to the physical pain that you know especially with the recovery so I ruptured my achilles a little over two years ago today and um I was out of work it was my right right foot and the reason I bring this up is not for sympathy but um to say you know I couldn't drive for three months so I actually yeah and I had tons of leave from from work and by this time I was tired really tired of my I was pretty much checked out like I think you you   might have been at your uh your big law uh job but um that's right I was I was checked out I mean I I wasn't the best employee at this point and so I took as much leave as I as I could you know reasonably right and so but couldn't drive and so I was out for three months and I come back so come back into work and I'd had discussions with my wife about about leaving it was just a matter of of when not if um I can tell you truthfully had no idea that I was going to quit this day but I came back in from   having been out for three months mind you no one gave me a call no one from work no one from my management gave me a call the entire three months I was out other than to say to ask me are you vaccinated because you have to be vaccinated to be to get inside the building now I don't want this to turn into some controversial vaccine discussion or get your your podcast banned from something but um yes I'd been vaccinated to to answer the question but no one asked me how's your how's your recovery going like how what   do you you know how's your life you know what's it's just are you vaccinated you need to get that shot before you come in okay great thanks I really feel welcome here so I'm already just you know you know what screw this place right um come back in and just go to my desk and this is this is an office space kind of thing where I go to my desk and there's some there's an a force kid at my desk and long story short they' kind of move me somewhere else without telling me I can't find my desk I finally find it   it's got a box with my name on it with you know monitors sideways and all and clearly not a functioning uh desk and um you know office space so I literally quit that day and I just say that it's just like I knew 100% I was done I my wife didn't know I was I quit but I I quit that day still worked for another month or two but I I was there was no question zero question in my mind I'm done with this place so uh that was March of 2022 and ever since then I've just focused on building out my businesses and having   looked back that's awesome sometimes you just know right like sometimes it's time you just knew I I love that story man for me it was a little bit you already know the story but you know for me it was a little bit more of someone else's decision I got fired I mean and men that you know you you weren't the best employee at that point correct you know I knew the same thing and it's great to have awareness and perspective and kind of looking back now you're like I would have done the same thing like this guy   doesn't want to be here his output isn't what it should be like nope he's got he's got to go I mean he's not he's not the best employee and and as a you know as a business owner now I can you know I have really good perspective of that and and seeing that and they did they were doing me a favor by being like hey like your heart's not in it is it and I'm like no it's not it's not yeah yeah the reality is for me it's really hard to work you know when once you go part-time I mean I knew I was casting a vote   against my career progression there so as soon as I went part-time in 2015 I wasn't saying I'm in this for the Long Haul guys this is this is my focus you know it's the writing's somewhat on the wall looking back it's almost surprising I lasted as long as I did um but so yeah uh haven't looked back and just love love the entrepreneurial you know day-to-day and freedom that you alluded to and and just the multiple streams of income and certainly has its challenges I I probably work harder now than ever   than I ever have um but it's by choice right so I love it exactly same here man I mean it's you know my my days are long I mean I I get up way before I used to get up when I when I had a 95 I worked past when I would have worked a 9 to-5 and it definitely more hours but when you're doing it for yourself and you're doing it because you're working towards something that you believe in yeah it doesn't feel like it's you're putting that much time in definitely I I wake up early a lot of days it's not not on   purpose it's because I'm just excited to get Kracken so yeah yeah absolutely yeah well let's let's kind of get into your current business I know you you had mentioned that you focused on your strengths and your assets um and you know I think it's important I'll just I'll just say it's important to take an inventory of what your strengths are when you're kind of considering going into something else um because a lot of our listeners are attorneys they're doctors folks like that they kind of feel like maybe they're they're pigeon   hold right like well if I'm not an attorney what the hell else can I do right like I don't know anything about real estate investing or node investing or starting a business or anything like that but if you really take a step back you you probably have a lot of skills that you've learned and honed in your career that you can use for something else moving forward and that was that's what you were able to do definitely and one thing I'd say is that um you know one thing that's always comforting for   me is nobody knows everything right so you can always find somebody who knows more than you in a certain area um you know there's one quote about every man is my Superior in in in something right so um basically it gets me a lot of comfort to know like just because an attorney listening to your show knows way more than I do about a particular topic and probably many many other topics that doesn't mean I'm less of a person or you know I don't know more than that attorney does in another area so it's   okay I'm never going to know everything there are other people who've already figured it out so um you know that's that's always comforting to me is and when I say look to your strength it's also looking to the people in your network who know and can help you get to where you want to go um so yeah I mean so many things we take for granted that we do know and um you know example when I started working at a title company fresh out of college because it was my first real job and it paid you know a a   salary um I realized quickly how little I knew about title insurance settlements you know just just basic stuff now looking back pretty basic stuff but you don't know that unless you work for a title company or you're heavily involved in this you don't you're not trained in that in school typically right so you know you forget and so your your listener out there the the attorney the doctor I guarantee they have a lot of life experience not just from their professional world but just life experience that that they shouldn't take   for granted and the fact that you can go through law school and then be you know Be an Effective attorney or go through medical school and Be an Effective doctor that that means you you can learn things right and so again I go back to life has Seasons I mean you've shown that in your own story Seth like you know um it's uh it doesn't mean just because I started a certain business doesn't mean that's going to be what I'm going to be doing for the next 20 years or just because I'm an attorney now   doesn't mean that's what I have to do for the rest of my life so we always have options I mean you might look back and wish you'd done something differently or something but you only have one chance at this and so you know you just make the most of it and and just keep I think keep learning constantly um is critical I I just hired a business coach we've had one call um but one of his motos is um you know one of his sayings is that he's always he's in permanent beta so he's always changing always improving he's always   growing so I'm trying to trying to implement that as well yeah I love that permanent beta I haven't heard that before but I like that I like that phrase like that phrase um so tell me about your current business tell me about mortgage node investing start with the basics um sure what is it yeah so and and I'll try to keep it uh there's so much to it but again none of it is difficult it's just a lot of moving parts and you've got to you know it takes time to learn um we buy debt so we buy a mortgage note   and that could be performing or non-performing the the real highlevel version is is um a performing note is kind of like a a long-term Buy and Hold rental property but you're buying the debt and becoming the lender becoming the bank if you will um and so you're buying that performing note for cash flow so I buy a performing note the barer now pays me through a loan servicer and I get monthly payments so that's a great way to go the the problem with that is you can't really add value to that asset very well you're kind of   it is what it is and in fact with mortgage notes the value actually goes down over time generally speaking because the principal balance goes down so it's just it's worth less than you know than uh you know than it would than it was when you bought it then on the other side the non-performing side of things we buy those uh as well and those are more like a Fix and Flip property so um although we're still buying the debt we're not buying the property but there's a chance to add value There's an opportunity to buy distressed asset and   add value to that asset and then sell that that non-performing note either well I should say sell that asset whether that's as a rep performing note or as uh through the the real estate itself there there are a few different ways you can exit a non-performing uh note deal and but but back to your kind of one of the the themes um thus far one of the reasons I got into specifically that space was that I understood the real estate space so I understood the single family residential real estate space so it wasn't a huge   leap for me to go from owning the property to now owning the debt on that property whereas it would have been a lot bigger leap for me to say oh I want to start buying distressed you know multif family debt um which I know you could probably help me understand better but that you know it's like incremental progress and and and change isn't that scary so I kind of expanded my um you know toolbox if you will and got into the mortgage note space so we have a couple of note funds one is open um currently and they're they're they're   all for accredited investors um and uh the the income fund that's open pays a monthly uh aims to pay a a monthly uh per referred return I know you and a lot of your listeners are attorneys so I got to hold the line here and uh so the fund is structured to pay uh to aim to pay a a monthly return uh of 8% it's not a there's no growth in that fund it's literally a cash flow play and um diversification play you're putting your your capital in we buy assets across the country we we've bought notes in in probably 25 States at this point   um and so the investment is Diversified across Geographic areas across borrower types and um you know we buy for a certain yield we take a small management fee and then we um ideally uh pay a pay the preferred return that we're aiming for to our to our investors yeah nice 506c you're able to talk about it it's uh ACC credit investors only just want to throw that out there um so yeah I mean so just going back to the basics a little bit and we'll get back into the fund like how do you how do you even   find these things I mean how do you get started how do you find these things so I mean that is an ongoing challenge I'm not going to lie to you that's one of the the things that truthfully a a passive investor who doesn't have time to to develop the network to go find these assets they're just not going to have success um you know they might here and there but it takes time it's a it's a word of mouth industry just like real estate itself is and um so we've built out a network of of Sellers and you know that could   be quite honestly I I've never had luck buying directly from Banks it's really either a larger uh mortgage note fund that's closing so it might be a three-year fund and then they've got to they've got to liquidate they've got to figure out how to sell off what to do with these assets um and so that's a great opportunity to buy is just a fund that's closing or somebody a note investor who's getting out of note investing or they've had a life change or something um you know where they just uh there's an opportunity to buy from   them as well um and so there there are other you know I guess we buy from hedge funds note investors other note funds um those are there are also note Brokers as well out there um there are also some online exchanges like paper stack and a couple of others that you can go and I've bought and sold on on paper stack and other exchanges as well um and you know you can you can find assets there um but at the end of the day we have our list that we list of people that we work with regularly and I would say one thing   is that doing due diligence on a note seller is just as important as uh due diligence on the assets that they're selling and so it's it's taken some work and it's it's a work in progress always um but it is the million-dollar question is where do you where do you find these assets yeah so that's that's the hard part right that finding these assets is the hard part um have you ever had to foreclose on on any of these notes and actually acquire the property and I guess a followup question is do you ever   look at a non-performing note like hey I actually want to own that property great questions yeah great questions um to be clear we're not trying to kick people you know Grandma out on onto the street or anything like that um you know that's not our our goal typically well that's never our goal but we're never trying to kick someone out of their home um but the reality is some people honestly need a little bit of a kick in the pants and often times that's not really the best them staying in the house is not often   The best scenario for them I know that might sound sound harsh but at the end of the day if someone can't afford to live somewhere sometimes these people are living in squal and they really need a change of of environment um to answer your question about do we target the property yes sometimes we do in fact we just closed on two they're called uh heckum loans or reverse mortgages where the borrowers are deceased the property is underwater meaning you know the the loan amount is high greater than the   property value and it should be a quick exit through the property so HUD will sell off these uh big pool of of reverse mortgages and we were able to purchase two of them very recently it's a vacant property you're not doing an eviction borrower is deceased you've got to work through the airs or or foreclosure um and get and exit the property that way um if your listener wants to go to my website I've got a really good um it's a Jacksonville blog post I've got a couple of blog posts about this deal I still hold this rental   today and it was a non-performing note that we purchased a few years ago and um I had no intention of exiting through the property or holding holding the the property as a rental property but uh running the numbers it just was too good to to let go and so long story but we we uh you know ended up doing a deed in Lee of foreclosure actually in this case and got the property back and now it's a long-term Buy and Hold property for my own rental uh portfolio yeah that makes sense that makes sense there's there's always   multiple ways to look at an investment right um but it does sound you know is not something that that I've executed on myself but it sounds like this is an active business right and that's why you've put together an income fund for people that want to get involved passively um because as as everybody knows there's active Investments there's passive Investments if you're going to do something active maybe your returns are going to be a little bit better but you're going to give up a lot of time and effort to to get those returns   um so if you want to go to the passive side if you if you're still full-time in your career you're you're a full-time doctor or lawyer or or whatever you are you know these passive Investments are the way to go without having to know every single detail about a new business yeah and I don't know if you can see this but I I wore this specifically for your for this show there it is there it is passive income um you're absolutely right you know these gurus some of the some of the node investing gurus out   there will try to sell you know notes as passive um we have another blog post that talks about uh just the it's a spectrum there's active and passive on either end but at the end of the day if you're gonna node investing in my world is very very active and we have a non-performing note fund that's considerably more active than the Performing note fund so um you're dealing with foreclosures bankruptcies deed and L tracking delinquent property taxes do I have to physically go anywhere no but it is not passive um but   that's why we offer the passive investment to for you know people who like you said have maybe more Capital than time or energy and they want to put that Capital to work that's right there there are certain gurus out there that you know whatever it is that they are pitching it's they they tend to always pitch it as as passive even though it is an active business whether that's ma money yeah whether that's a mortgage note or I mean people pitch Airbnb short-term rentals as passive they're like well you can delegate this and you   can you know you can automate that and there's software for all these things but you still got to put all that stuff together you've still got to monitor all those things you you've still got to you still got to oversee all these different aspects of a business and that's what it is it's a business that you're running and it's not passive like it's not it's not and and it is on a spectrum some things are more passive than others but when you're inves in you know as a passive investor into some sort of a   fund or a syndication that's really leaning really far into the the passive side absolutely 100% and I and I'm as you are Seth I'm I'm I'm I I assume you are I know you're an active investor but I I do have passive Investments myself in other other funds other note funds and and my own my own note funds as well and so nothing wrong with doing both but I would say you need to be careful about you know you got to make a decision at some point do you want to scale this thing and and make this really a   business or do you do you are you satisfied with potentially a little bit lower return and you are giving up some control but much you know much fewer headaches and just a lot less work right right yeah and a lot of you know a lot of the listeners are high income earning professionals so they've already dedic put a lot of time and effort into being able ble to earn this much money from their W2 and absolutely that's probably your best bet to be honest with you I've been there I was in those shoes you're   probably better off putting your head down like let's grind for a few years let's let's not spend every single dollar that we make on all the new stuff on a on a new car every two years or every year in a bigger house that you don't need like let's set aside some of that and invest it passively and then maybe one of those will stick maybe one of those passive investments will be a mortgage note fund where you're like man I kind like this business like I like the sound of it I've learned about it   and then you start maybe progressing on the active side and maybe that takes over and and you want to get into that as a as a business as an entrepreneur but um a great way to kind of dip your toe in the water is to become a passive investor um that's the way that I did it into you know multif family syndications I invested passively in a number of deals first and kind of learned about it learned the ropes and I'm like I can do this and then that's when I made the transition yeah definitely it's it   really comes down to what you what your goals are and what your situation is for sure I I'll say I was too passive initially when I went into notes um because personally I just don't you're you're you were probably a little better student Seth not that I was a bad student but you know I I invest unless I'm actively in investing you know I'm just not going to learn a lot so the reality is yeah it's fine to learn about the asset class you definitely should learn about the operator for sure if you're putting Capital with them but   you're not going to once you're getting your checks and your dispersements you're not going to probably learn a whole lot about how to do that on the active side and so that's what we're here for yeah yeah it's more of like a spark of an interest right like may you already have that spark and then you invest passively then you're like okay well now I'm invested like let me learn about this you have to you have to actively go out there and educate yourself and network and talk to people that are in the business definitely 100   per. all right man before we jump into the Freedom Four you have one last gold nugget for our listeners oh man um I would say within when it comes to investing um you know take the long-term view um don't chase immediate returns um you know I do think just yeah it's certainly we all want to make a million dollars tomorrow but I think it's it's play the long game when it comes to investing I think that's critical love that man all right let's jump into the Freedom Four what's the best thing you do to keep your mind body   healthy yeah I mean one thing that I instituted this year actually um is breath work and it's um you know it's so it takes 10 minutes um and per day for me at least and it's been phenomenal and it's something that quite honestly as a as a you know athlete back in the day or even in the military I would have scoffed at something like this to be honest with you because it's just you know it's not manly or whatever it's like it is phenomenal so uh breath work I mean I do other things for sure but that's certainly this year it's been a   game Cher for me I just feel like it resets my central nervous system and it just gets me focused and uh I know there are other physiological benefits that you can ask uh Dr Andrew huberman or somebody else about cool I have to look into that actually have I mean obviously everybody talks about it's a Hot Topic I haven't gotten into it I haven't gotten into that plus like the cold plunges and that sort of thing um but I really want to explore that a little bit I don't know how much you can cut this out if we   don't have time but I had a I'm just going to be be open about this I just had a you know in late December I got a viral infection like a neuro virus and then I had I had a what I think was a pretty severe panic attack and it was super scary and so that's why I started uh doing this and somebody on my team actually sent me a a I guess we'll call it an implement or a tool that uh I use for the breath work it's BL there's a Bluetooth connection to your phone and it's pretty cool so it's structured and   back to that discipline right but um yeah so it's there was a reason I started doing it and um it's it's so accessible five to 10 minutes a day you can start doing it so yeah very cool highly recommend cool thanks for sharing that man um with all your success what is one limiting belief that you've crushed along the way and how did you get past it um I think just uh you know being afraid to you know that you have to be perfect right so um I used to be an editor back in the day and so many things would just not get done   or not get completed within our team our organization um because it had to be perfect and and it's like I think as I've progressed into more of the entrepreneurial lifestyle and and uh it's just it's not a it's not an option anymore um so um yeah I think just taking action has kind of overcome that limiting belief of of of chasing Perfection yeah yeah I can I can I can agree with you there done not perfect um as you know my background as an attorney I mean we're we're paid to be perfect like we can't make mistakes especially   in contracts and the way that we write things but when you kind of make that transition over to being an entrepreneur there's too much there's too much to to be to be perfect you got you just got to get it done good enough absolutely good enough has to you have to be open um willing to accept that for sure y what's one actionable step our listeners can do right now to start creating more freedom so I'll use the military here you can um which is where I learned U kind of reverse backwards planning reverse   planning so literally just and I'm not going to tell you I'm perfect at this um but you know think about what create a vivid vision for your life in in the next three to five years pick a pick three years out from today and what do you want your life to look like and then backwards plan and now I'm not saying you need to plan every minute of every day but you can be that will that will increase the urgency uh sense of urgency in your life and the intentionality of every every hour and every day because you realize this is   doable but I got to take ownership of of my current situation if I want this to be the reality in three years so I would say create a vivid vision and and kind of reverse or backwards plan to get there perfect perfect last but not least how has passive income made your life better yeah I mean I think in multiple ways but a big one that stands out is is giving me I guess we'll call it margin um to take some more risks on the entrepreneurial side and because I do have alternative sources of income   passive income um it's allowed me that kind of mental and financial bandwidth or margin to maybe invest in a company that even if it doesn't per go perfectly it doesn't go well it's not profitable that's okay I still have that cushion um for for me and my family so that's yeah it's a huge it's been a huge factor in that regard yeah absolutely Game Changer man it just changes your mindset changes your life in so many ways uh Jamie this has been incredible dude you've got so much great content to to share in your   brain man you got to get it out there um I know you've got an awesome podcast that I was on adversity to abundance everybody should check that out um other than that Jamie where else can people find out more about you yeah just two things I'll mention very quickly uh literally got my book delivered today like an hour before I hopped on here it's uh from adversity to abundance it is based on the podcast so I encourage your listener to check that out from adversity to abundance is the book that's out and then Labrador   lending.com l b r a d o r.com is where you can check us out all right man awesome I'll drop all that in the show notes thanks again for coming on brother thanks for having me Seth this has been great Links from the Show and Guest Info and Links: https://www.youtube.com/watch?v=t6nU0TtMAFc https://www.instagram.com/p/C2sKtrAPX50/ https://www.facebook.com/permalink.php?story_fbid=pfbid029mGsZgw2DFvrvFV6QPkwf2U2ewUxCGoRmnjGvuBicaWmM9oHWbemP7NCVFFXz8jxl&id=100089126144055   Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en   Jamie Bateman's Links: https://x.com/batemanjames https://www.facebook.com/batemanjames https://www.threads.com/@batemanjames11? https://www.instagram.com/batemanjames11/ https://www.linkedin.com/in/jamie-bateman-5359a811/ https://labradorlending.com/about/

Title: Why the W-2 Grind Will Never Make You Wealthy with Jamie Bateman Summary In this engaging podcast episode, Jamie shares his journey from being a competitive athlete and military officer to becoming a successful entrepreneur in the field of real estate and mortgage note investing. He emphasizes the importance of discipline, teamwork, and taking ownership of one's financial situation in achieving success. Jamie discusses his transition from a W2 job to entrepreneurship, highlighting how he leveraged his experiences and strengths to build multiple streams of income. He shares insights about his current business model centered around mortgage note investing, explaining the differences between performing and non-performing notes, and elucidates the challenges and opportunities present in this field. The discussion also emphasizes the importance of long-term planning and learning continuously, making the case that discipline ultimately leads to freedom and flexibility in life. Links to Listen and Subscribe: https://podcasts.apple.com/us/podcast/from-military-officer-to-mortgage-note-master-one-mans/id1618672867?i=1000643495099 Links to Watch and Subscribe: https://www.youtube.com/watch?v=t6nU0TtMAFc Bullet Point Highlights: Athlete to Entrepreneur: Jamie shares how his background in competitive sports instilled a sense of discipline and teamwork. Financial Ownership: Jamie discusses the importance of taking ownership of your financial situation and actively seeking improvement. W2 Quitter: The transition from a stable government job to entrepreneurship reflects Jamie's journey of self-discovery and ambition. Mortgage Note Investing: Jamie provides insights into both performing and non-performing notes, illustrating how to generate passive income through debt investing. Value of Networking: He emphasizes the necessity of building a strong network for finding investment opportunities in mortgage notes. Continuous Learning: Jamie advocates for lifelong learning, suggesting that successful people always seek new knowledge and skills. Long-Term Vision: He stresses the importance of setting long-term goals and reverse planning to maintain focus on achieving one's aspirations. Transcript: Jamie what's going on brother welcome to the show thanks Seth this is this is awesome um I'm excited to be here and I'm hoping to add some value absolutely man third time's a charm we've been trying to get this scheduled after I was on your show which was fantastic had a really good time uh on that show and I think it turned out pretty good so I know we're gonna absolutely we're gonna deliver on this one as well yeah we're GNA try to try to I'll try to do as good a job as you did so yeah that was that   was uh yeah no I that was a very very good episode from adversity to abundance I would highly recommend your your listeners check that one out to your episode on that show so thanks for thanks for doing that absolutely man you're an incredible interviewer I've I've that's the only uh I've been on dozens of podcasts and you know you pulled out a lot of things for me that I've I've never talked about on the air so it's pretty pretty awesome pretty awesome show man appreciate that cool man well let's just jump right into your   background man what's your story um take it back as far as you'd like to brother yeah um man uh I'd like to think that life has phases so I've had a few different phases in in my life um you I come from a a large uh family I'm I'm the oldest of seven kids and we always had a competitive uh background as far as team sports and things like that so um I played lacrosse in college that was always a foundational piece of of uh my life and just kind of I think from there learned how to be a part of something   bigger than myself and how to work toward a common goal with a with a team so that's been something that's been a a kind of a thread through my life and then um got married and uh joined the military and um actually joined the military technically before I got married but seemed like I got married and then ran off and and uh ran away from my wife but it's not exactly what happened but uh joined the military was an officer in the in the US Army did I did miss my first three wedding anniversaries through deployment and   things like that um and again it was a matter of trying to be plugged into something you know to serve and be a part of something bigger than myself and trying to trying to add value like I think we all we all want to do um I've obviously glossed over a lot of lot of details but those were uh a couple of inflection points I guess if you will um like you like to talk about I know um and so my military career transitioned into uh a a career with the Department of Defense as a civilian and um did 14   years as a civilian with DOD at Fort me and the first half so the first seven for all you math whizzes out there uh was full-time and then the second half the second seven years was part-time and that seven years is when I was really building my businesses which are largely um real estate investing and mortgage node investing Focus so we can get into the details there and then in 2022 I ended up quitting my job and and um now I have a few different small businesses that I run and like you Seth I've got a got a   lot of different things that I'm juggling and uh you know so but yeah I love talking about taking ownership of of your financial situation and taking ownership of your your life really and um I know that you and I have that comment so yeah that's a that's a high level overview of my background awesome man I appreciate that that there's a lot to unpack there you know going back to you know playing sports all the way up to the Collegiate level that's incredible I always like to to think even playing like poporn or football   back in the day you need a way to instill discipline in yourself and I I that's kind of the the oldest memory I can think of where it was hard right like it was like you've got a coach screaming at you like back in the day it's like you know they wouldn't give you water unless you like you know for like an hour which I don't think they do that anymore now but you know you had to earn that drink of water and and all those sorts of things but you you really learned what it's like to to work hard and you really learned what discipline   was all about and I would say that and you can you can expand on this but yeah I would say that you know being in the military yourself that takes it to a whole new level right it's like you you you got that from Sports you got that from the military yeah definitely I mean obviously they're very different in a lot of ways but that is certainly a common theme is is being disciplined and um and people people shy away from that word um because it just sounds like work or or no fun and no flexibility but I found that having   discipline in your life ends up adding more freedom in a sense um because you kind of have your foundational pieces set in stone you don't have to think about those and so um yeah regarding team sports it's it's really a matter of um you know everyone doing their part right and so there's a level of individual discipline and um and then just and then also just kind of putting the putting the group ahead of yourself um obviously the you know you want individual there's nothing wrong with individual accolades and I I was   certainly uh chasing you know those individual accolades it's not something I shied away from I was you know I definitely was wrapped up in trying to be an All-American and um that kind of thing and and did get that a couple of times you know but it at the end of the day nobody really cares about that and um the way I viewed it was if I was doing my part and I got those you know if I was scoring goals in Lacrosse as an example that means I'm contributing to you know to the team right and so there's obviously a fine   line there but of going too far either way um but yeah that discipline is critical you know even C I played at a high level in college and and there was year round you're training you're you're uh you're into it it was a division three school but it but the reality was we worked just as hard as any any D1 program and um yeah it's it's a these are skills that have paid off and are absolutely transferable to the rest of of life for sure yeah I think you've got to get those those intangible things you've got to develop   them somewhere along the way whatever whatever that is if that's Sports the military or you know from your parents I mean you can get it from different places but you definitely need it I mean you know we're in different stages of our life at this point we're talking about a lot we like talk about freedom and flexibility and fun um to try to get away from kind of the W2 uh mindset but in order to achieve Freedom flexibility and fun in a successful way you had you have to be disciplined to be able to get   there you you had to have done something successfully to be able to get there or maybe what separates you from you know the guy living in a van down by the river right like that guy that guy has Freedom flexibility um I don't know about fun maybe fun but yeah but you know it's it's a different obviously it's a it's a different outcome yeah and I I I still I think I still need you know I still use a lot of discipline today it's still still required but it's I guess I guess it's self-imposed and um you know I just love   love having that flexibility and that freedom um that comes along with being an entrepreneur so yeah it's been a central piece to my success for sure um but I I I still I don't think it ever you know goes away I just get to pick and choose what you know what discipline I want to kind of enforce on myself I guess um so yeah absolutely and and and as you said I the military was a huge part of that for me as well I mean that's a different kind of different kind of discipline and different kind of teamwork and different you know if you   lose a lacrosse game okay you lost the lacrosse game but military the stakes are a little higher um so maybe certain things are more important attention to detail are crit is critical and um but at the end of the day it's yeah it's that the same principles apply across both I I guess sectors if you will for sure for sure so let's dive into that that transition you started working kind of part-time there for seven years so that seems like a transitional period how are you able to progress from you   know that W2 and what what I've heard you say is call yourself a W2 quitter and I love that um you know how were you able to progress from a W2 person to a W2 quitter what enabled you to do that and what that transition looked like I mean you know I do remember in 2015 probably a little bit maybe maybe say 2014 but I just you get you know I had a wife and two kids and I had the commute the long commute that I I know a lot of people can identify with so um it it just was Groundhog Day it was the same   thing over and over and over and that's not me sitting here complaining about my family or having a having the opportunity to work um but after a while it gets old let's just be real right so it's like you're sitting in traffic and I just you start looking at you know I was I worked for the government and you look around you say who okay who's sort of ahead of me on this like you like I I think you probably mentioned on our on your your show on my my show your episode um you look around to the people   who are more kind of Al further along the path than you you say do you want to be that person is that the life you want and man I did not want that and um it just just having that just super long-term just you know the pot at the end of the rainbow I guess uh nothing driving me in the in the interum man it was it was just it was brutal so I probably did a little woes me for a little bit there a little victim mentality for a bit but then you start to realize like okay if you don't take ownership of your own life no one's   going to right so no one's going to come in and do this for you so I'm not sure what truly you know created the change in my mindset but my mindset absolutely started to change and I just made a shift and I and I stopped watching cable news I stopped uh just you know stopped paying attention to all the things that I can't control and I couldn't control back then and and started saying no what do I have what are my strengths who is in my who's back to the team thing who's on my team who's you know who's in my   network that I can add value to and who can add value to me so I started looking around and um you know my father was a realtor for many years my brother was a loan officer I we had uh one rental property at the time and so and IID worked at a I didn't mention I worked at a title company and I worked for a mortgage broker before as well briefly so I had this experience that a lot of people don't have and that's you know that that doesn't mean I'm better than anyone it just means these are my strengths so let's point to that and   let's use that so I started really being intentional about focusing on my strengths and my assets that I had in my life right and then another asset that I used to see as a liability was the time in the car so I started listening to podcasts oh you know and and then it turned into wait I don't even want to go into work yet because this this podcast episode is amazing and I'm learning so much you know Bigger Pockets and all the other real estate podcasts and different investing podcasts and um started using   that mental bandwidth instead of focusing on National media stories that I have zero influence over uh here's something that I can actually take action on and so um in mid 2015 uh I I I went part-time and and just so happens that at uh DOD it's one of the few agencies in the in the federal government where you can go part-time and still keep your benefits so I still had health insurance for my family you know most people don't have that option necessarily but oh oh well I did so that's what I did and and um you   know that's uh again decided decided to start building my my other streams of income outside of my W2 um had my circumstances been different if I was single I probably would have just quit the whole thing right but I was able to have that kind of laded approach I guess or tiered approach to kind of ripping off the Band-Aid yeah yeah no that that that's awesome I love just the idea of of taking ownership of your your life right like everybody has those moments where they're feeling sorry fors um but but the successful people they   don't sit there and stay in that that mindset they they move on they you're going to be there sometimes but you've got to get out of and you got to say okay what what can I control what can I change and you don't say you don't give other people the power to control you and your mindset and how you feel about your life right like that's that's that's the thing like if if you if you're constantly blaming someone else or saying this happened to me rather what can I do to get myself out of it then you're going to be stuck there   forever you're you're going to be you're going to be spinning your wheels forever um and a lot of that I think helps because you said you don't listen you don't watch the news I don't either it's a waste of time what control what does that do for us it's if I do watch it I literally do it for entertainment and you look at it as an entertain I look at it like I'm watching sports almost absolutely I I look at it like this is funny like I can you know what I mean you kind of analyze like this is funny   this guyy saying this in a debate this guy's saying that it's not taking it as fact and news and this is how I should live my life because of what they're saying absolutely and it's not to say that none of these topics are you know important right I mean right Glo Global you know war or I mean politics poverty global warming whatever that's all very important but I have zero control over it almost zero right and then um you know the other thing is fear sells and that's that's what they're selling and so doesn't mean that every   story is invented and it's all fake fake news but it it just doesn't serve me and so I'd rather focus on you know go ground up and kind of uh you just I see it in people maybe older people in my own life now who maybe are retired and and they watch the news all day and it's like they won't travel because they saw a news story that the airports are packed or something and you know it's I'm sure that story was was accurate right but it but the but the news can filter out and and you end up only focusing on the negative really and   it just didn't serve me so yeah um during that La the second seven years I was able to build out my wife and I were doing single family real estate investing and doing a lot of the Burr method that maybe some of your your audience is familiar with uh um and so kind of putting that Capital back into the the rental property um machine and expanding our portfolio um and then eventually last year Well in in 2018 I made the pivot I kept the rental properties but made a pivot to also add on mortgage not   investing and that's been my primary focus as of late um and uh if you want I can tell the story quickly about how I actually quit my job in 2022 I I think it's kind of kind of a funny one absolutely let's do it all right so um I uh so two years ago uh I was playing bad mitton and um I'd been doing now mind you I used to be like tough you know athlete and like I did you know did Jiu-Jitsu for three years right up before this and you know used to lift Waits a lot and still do it here and there but you know I think I'm tough   right and uh ruptured my achilles playing bad mitton so that's an ego blow uh to add on to the physical pain that you know especially with the recovery so I ruptured my achilles a little over two years ago today and um I was out of work it was my right right foot and the reason I bring this up is not for sympathy but um to say you know I couldn't drive for three months so I actually yeah and I had tons of leave from from work and by this time I was tired really tired of my I was pretty much checked out like I think you you   might have been at your uh your big law uh job but um that's right I was I was checked out I mean I I wasn't the best employee at this point and so I took as much leave as I as I could you know reasonably right and so but couldn't drive and so I was out for three months and I come back so come back into work and I'd had discussions with my wife about about leaving it was just a matter of of when not if um I can tell you truthfully had no idea that I was going to quit this day but I came back in from   having been out for three months mind you no one gave me a call no one from work no one from my management gave me a call the entire three months I was out other than to say to ask me are you vaccinated because you have to be vaccinated to be to get inside the building now I don't want this to turn into some controversial vaccine discussion or get your your podcast banned from something but um yes I'd been vaccinated to to answer the question but no one asked me how's your how's your recovery going like how what   do you you know how's your life you know what's it's just are you vaccinated you need to get that shot before you come in okay great thanks I really feel welcome here so I'm already just you know you know what screw this place right um come back in and just go to my desk and this is this is an office space kind of thing where I go to my desk and there's some there's an a force kid at my desk and long story short they' kind of move me somewhere else without telling me I can't find my desk I finally find it   it's got a box with my name on it with you know monitors sideways and all and clearly not a functioning uh desk and um you know office space so I literally quit that day and I just say that it's just like I knew 100% I was done I my wife didn't know I was I quit but I I quit that day still worked for another month or two but I I was there was no question zero question in my mind I'm done with this place so uh that was March of 2022 and ever since then I've just focused on building out my businesses and having   looked back that's awesome sometimes you just know right like sometimes it's time you just knew I I love that story man for me it was a little bit you already know the story but you know for me it was a little bit more of someone else's decision I got fired I mean and men that you know you you weren't the best employee at that point correct you know I knew the same thing and it's great to have awareness and perspective and kind of looking back now you're like I would have done the same thing like this guy   doesn't want to be here his output isn't what it should be like nope he's got he's got to go I mean he's not he's not the best employee and and as a you know as a business owner now I can you know I have really good perspective of that and and seeing that and they did they were doing me a favor by being like hey like your heart's not in it is it and I'm like no it's not it's not yeah yeah the reality is for me it's really hard to work you know when once you go part-time I mean I knew I was casting a vote   against my career progression there so as soon as I went part-time in 2015 I wasn't saying I'm in this for the Long Haul guys this is this is my focus you know it's the writing's somewhat on the wall looking back it's almost surprising I lasted as long as I did um but so yeah uh haven't looked back and just love love the entrepreneurial you know day-to-day and freedom that you alluded to and and just the multiple streams of income and certainly has its challenges I I probably work harder now than ever   than I ever have um but it's by choice right so I love it exactly same here man I mean it's you know my my days are long I mean I I get up way before I used to get up when I when I had a 95 I worked past when I would have worked a 9 to-5 and it definitely more hours but when you're doing it for yourself and you're doing it because you're working towards something that you believe in yeah it doesn't feel like it's you're putting that much time in definitely I I wake up early a lot of days it's not not on   purpose it's because I'm just excited to get Kracken so yeah yeah absolutely yeah well let's let's kind of get into your current business I know you you had mentioned that you focused on your strengths and your assets um and you know I think it's important I'll just I'll just say it's important to take an inventory of what your strengths are when you're kind of considering going into something else um because a lot of our listeners are attorneys they're doctors folks like that they kind of feel like maybe they're they're pigeon   hold right like well if I'm not an attorney what the hell else can I do right like I don't know anything about real estate investing or node investing or starting a business or anything like that but if you really take a step back you you probably have a lot of skills that you've learned and honed in your career that you can use for something else moving forward and that was that's what you were able to do definitely and one thing I'd say is that um you know one thing that's always comforting for   me is nobody knows everything right so you can always find somebody who knows more than you in a certain area um you know there's one quote about every man is my Superior in in in something right so um basically it gets me a lot of comfort to know like just because an attorney listening to your show knows way more than I do about a particular topic and probably many many other topics that doesn't mean I'm less of a person or you know I don't know more than that attorney does in another area so it's   okay I'm never going to know everything there are other people who've already figured it out so um you know that's that's always comforting to me is and when I say look to your strength it's also looking to the people in your network who know and can help you get to where you want to go um so yeah I mean so many things we take for granted that we do know and um you know example when I started working at a title company fresh out of college because it was my first real job and it paid you know a a   salary um I realized quickly how little I knew about title insurance settlements you know just just basic stuff now looking back pretty basic stuff but you don't know that unless you work for a title company or you're heavily involved in this you don't you're not trained in that in school typically right so you know you forget and so your your listener out there the the attorney the doctor I guarantee they have a lot of life experience not just from their professional world but just life experience that that they shouldn't take   for granted and the fact that you can go through law school and then be you know Be an Effective attorney or go through medical school and Be an Effective doctor that that means you you can learn things right and so again I go back to life has Seasons I mean you've shown that in your own story Seth like you know um it's uh it doesn't mean just because I started a certain business doesn't mean that's going to be what I'm going to be doing for the next 20 years or just because I'm an attorney now   doesn't mean that's what I have to do for the rest of my life so we always have options I mean you might look back and wish you'd done something differently or something but you only have one chance at this and so you know you just make the most of it and and just keep I think keep learning constantly um is critical I I just hired a business coach we've had one call um but one of his motos is um you know one of his sayings is that he's always he's in permanent beta so he's always changing always improving he's always   growing so I'm trying to trying to implement that as well yeah I love that permanent beta I haven't heard that before but I like that I like that phrase like that phrase um so tell me about your current business tell me about mortgage node investing start with the basics um sure what is it yeah so and and I'll try to keep it uh there's so much to it but again none of it is difficult it's just a lot of moving parts and you've got to you know it takes time to learn um we buy debt so we buy a mortgage note   and that could be performing or non-performing the the real highlevel version is is um a performing note is kind of like a a long-term Buy and Hold rental property but you're buying the debt and becoming the lender becoming the bank if you will um and so you're buying that performing note for cash flow so I buy a performing note the barer now pays me through a loan servicer and I get monthly payments so that's a great way to go the the problem with that is you can't really add value to that asset very well you're kind of   it is what it is and in fact with mortgage notes the value actually goes down over time generally speaking because the principal balance goes down so it's just it's worth less than you know than uh you know than it would than it was when you bought it then on the other side the non-performing side of things we buy those uh as well and those are more like a Fix and Flip property so um although we're still buying the debt we're not buying the property but there's a chance to add value There's an opportunity to buy distressed asset and   add value to that asset and then sell that that non-performing note either well I should say sell that asset whether that's as a rep performing note or as uh through the the real estate itself there there are a few different ways you can exit a non-performing uh note deal and but but back to your kind of one of the the themes um thus far one of the reasons I got into specifically that space was that I understood the real estate space so I understood the single family residential real estate space so it wasn't a huge   leap for me to go from owning the property to now owning the debt on that property whereas it would have been a lot bigger leap for me to say oh I want to start buying distressed you know multif family debt um which I know you could probably help me understand better but that you know it's like incremental progress and and and change isn't that scary so I kind of expanded my um you know toolbox if you will and got into the mortgage note space so we have a couple of note funds one is open um currently and they're they're they're   all for accredited investors um and uh the the income fund that's open pays a monthly uh aims to pay a a monthly uh per referred return I know you and a lot of your listeners are attorneys so I got to hold the line here and uh so the fund is structured to pay uh to aim to pay a a monthly return uh of 8% it's not a there's no growth in that fund it's literally a cash flow play and um diversification play you're putting your your capital in we buy assets across the country we we've bought notes in in probably 25 States at this point   um and so the investment is Diversified across Geographic areas across borrower types and um you know we buy for a certain yield we take a small management fee and then we um ideally uh pay a pay the preferred return that we're aiming for to our to our investors yeah nice 506c you're able to talk about it it's uh ACC credit investors only just want to throw that out there um so yeah I mean so just going back to the basics a little bit and we'll get back into the fund like how do you how do you even   find these things I mean how do you get started how do you find these things so I mean that is an ongoing challenge I'm not going to lie to you that's one of the the things that truthfully a a passive investor who doesn't have time to to develop the network to go find these assets they're just not going to have success um you know they might here and there but it takes time it's a it's a word of mouth industry just like real estate itself is and um so we've built out a network of of Sellers and you know that could   be quite honestly I I've never had luck buying directly from Banks it's really either a larger uh mortgage note fund that's closing so it might be a three-year fund and then they've got to they've got to liquidate they've got to figure out how to sell off what to do with these assets um and so that's a great opportunity to buy is just a fund that's closing or somebody a note investor who's getting out of note investing or they've had a life change or something um you know where they just uh there's an opportunity to buy from   them as well um and so there there are other you know I guess we buy from hedge funds note investors other note funds um those are there are also note Brokers as well out there um there are also some online exchanges like paper stack and a couple of others that you can go and I've bought and sold on on paper stack and other exchanges as well um and you know you can you can find assets there um but at the end of the day we have our list that we list of people that we work with regularly and I would say one thing   is that doing due diligence on a note seller is just as important as uh due diligence on the assets that they're selling and so it's it's taken some work and it's it's a work in progress always um but it is the million-dollar question is where do you where do you find these assets yeah so that's that's the hard part right that finding these assets is the hard part um have you ever had to foreclose on on any of these notes and actually acquire the property and I guess a followup question is do you ever   look at a non-performing note like hey I actually want to own that property great questions yeah great questions um to be clear we're not trying to kick people you know Grandma out on onto the street or anything like that um you know that's not our our goal typically well that's never our goal but we're never trying to kick someone out of their home um but the reality is some people honestly need a little bit of a kick in the pants and often times that's not really the best them staying in the house is not often   The best scenario for them I know that might sound sound harsh but at the end of the day if someone can't afford to live somewhere sometimes these people are living in squal and they really need a change of of environment um to answer your question about do we target the property yes sometimes we do in fact we just closed on two they're called uh heckum loans or reverse mortgages where the borrowers are deceased the property is underwater meaning you know the the loan amount is high greater than the   property value and it should be a quick exit through the property so HUD will sell off these uh big pool of of reverse mortgages and we were able to purchase two of them very recently it's a vacant property you're not doing an eviction borrower is deceased you've got to work through the airs or or foreclosure um and get and exit the property that way um if your listener wants to go to my website I've got a really good um it's a Jacksonville blog post I've got a couple of blog posts about this deal I still hold this rental   today and it was a non-performing note that we purchased a few years ago and um I had no intention of exiting through the property or holding holding the the property as a rental property but uh running the numbers it just was too good to to let go and so long story but we we uh you know ended up doing a deed in Lee of foreclosure actually in this case and got the property back and now it's a long-term Buy and Hold property for my own rental uh portfolio yeah that makes sense that makes sense there's there's always   multiple ways to look at an investment right um but it does sound you know is not something that that I've executed on myself but it sounds like this is an active business right and that's why you've put together an income fund for people that want to get involved passively um because as as everybody knows there's active Investments there's passive Investments if you're going to do something active maybe your returns are going to be a little bit better but you're going to give up a lot of time and effort to to get those returns   um so if you want to go to the passive side if you if you're still full-time in your career you're you're a full-time doctor or lawyer or or whatever you are you know these passive Investments are the way to go without having to know every single detail about a new business yeah and I don't know if you can see this but I I wore this specifically for your for this show there it is there it is passive income um you're absolutely right you know these gurus some of the some of the node investing gurus out   there will try to sell you know notes as passive um we have another blog post that talks about uh just the it's a spectrum there's active and passive on either end but at the end of the day if you're gonna node investing in my world is very very active and we have a non-performing note fund that's considerably more active than the Performing note fund so um you're dealing with foreclosures bankruptcies deed and L tracking delinquent property taxes do I have to physically go anywhere no but it is not passive um but   that's why we offer the passive investment to for you know people who like you said have maybe more Capital than time or energy and they want to put that Capital to work that's right there there are certain gurus out there that you know whatever it is that they are pitching it's they they tend to always pitch it as as passive even though it is an active business whether that's ma money yeah whether that's a mortgage note or I mean people pitch Airbnb short-term rentals as passive they're like well you can delegate this and you   can you know you can automate that and there's software for all these things but you still got to put all that stuff together you've still got to monitor all those things you you've still got to you still got to oversee all these different aspects of a business and that's what it is it's a business that you're running and it's not passive like it's not it's not and and it is on a spectrum some things are more passive than others but when you're inves in you know as a passive investor into some sort of a   fund or a syndication that's really leaning really far into the the passive side absolutely 100% and I and I'm as you are Seth I'm I'm I'm I I assume you are I know you're an active investor but I I do have passive Investments myself in other other funds other note funds and and my own my own note funds as well and so nothing wrong with doing both but I would say you need to be careful about you know you got to make a decision at some point do you want to scale this thing and and make this really a   business or do you do you are you satisfied with potentially a little bit lower return and you are giving up some control but much you know much fewer headaches and just a lot less work right right yeah and a lot of you know a lot of the listeners are high income earning professionals so they've already dedic put a lot of time and effort into being able ble to earn this much money from their W2 and absolutely that's probably your best bet to be honest with you I've been there I was in those shoes you're   probably better off putting your head down like let's grind for a few years let's let's not spend every single dollar that we make on all the new stuff on a on a new car every two years or every year in a bigger house that you don't need like let's set aside some of that and invest it passively and then maybe one of those will stick maybe one of those passive investments will be a mortgage note fund where you're like man I kind like this business like I like the sound of it I've learned about it   and then you start maybe progressing on the active side and maybe that takes over and and you want to get into that as a as a business as an entrepreneur but um a great way to kind of dip your toe in the water is to become a passive investor um that's the way that I did it into you know multif family syndications I invested passively in a number of deals first and kind of learned about it learned the ropes and I'm like I can do this and then that's when I made the transition yeah definitely it's it   really comes down to what you what your goals are and what your situation is for sure I I'll say I was too passive initially when I went into notes um because personally I just don't you're you're you were probably a little better student Seth not that I was a bad student but you know I I invest unless I'm actively in investing you know I'm just not going to learn a lot so the reality is yeah it's fine to learn about the asset class you definitely should learn about the operator for sure if you're putting Capital with them but   you're not going to once you're getting your checks and your dispersements you're not going to probably learn a whole lot about how to do that on the active side and so that's what we're here for yeah yeah it's more of like a spark of an interest right like may you already have that spark and then you invest passively then you're like okay well now I'm invested like let me learn about this you have to you have to actively go out there and educate yourself and network and talk to people that are in the business definitely 100   per. all right man before we jump into the Freedom Four you have one last gold nugget for our listeners oh man um I would say within when it comes to investing um you know take the long-term view um don't chase immediate returns um you know I do think just yeah it's certainly we all want to make a million dollars tomorrow but I think it's it's play the long game when it comes to investing I think that's critical love that man all right let's jump into the Freedom Four what's the best thing you do to keep your mind body   healthy yeah I mean one thing that I instituted this year actually um is breath work and it's um you know it's so it takes 10 minutes um and per day for me at least and it's been phenomenal and it's something that quite honestly as a as a you know athlete back in the day or even in the military I would have scoffed at something like this to be honest with you because it's just you know it's not manly or whatever it's like it is phenomenal so uh breath work I mean I do other things for sure but that's certainly this year it's been a   game Cher for me I just feel like it resets my central nervous system and it just gets me focused and uh I know there are other physiological benefits that you can ask uh Dr Andrew huberman or somebody else about cool I have to look into that actually have I mean obviously everybody talks about it's a Hot Topic I haven't gotten into it I haven't gotten into that plus like the cold plunges and that sort of thing um but I really want to explore that a little bit I don't know how much you can cut this out if we   don't have time but I had a I'm just going to be be open about this I just had a you know in late December I got a viral infection like a neuro virus and then I had I had a what I think was a pretty severe panic attack and it was super scary and so that's why I started uh doing this and somebody on my team actually sent me a a I guess we'll call it an implement or a tool that uh I use for the breath work it's BL there's a Bluetooth connection to your phone and it's pretty cool so it's structured and   back to that discipline right but um yeah so it's there was a reason I started doing it and um it's it's so accessible five to 10 minutes a day you can start doing it so yeah very cool highly recommend cool thanks for sharing that man um with all your success what is one limiting belief that you've crushed along the way and how did you get past it um I think just uh you know being afraid to you know that you have to be perfect right so um I used to be an editor back in the day and so many things would just not get done   or not get completed within our team our organization um because it had to be perfect and and it's like I think as I've progressed into more of the entrepreneurial lifestyle and and uh it's just it's not a it's not an option anymore um so um yeah I think just taking action has kind of overcome that limiting belief of of of chasing Perfection yeah yeah I can I can I can agree with you there done not perfect um as you know my background as an attorney I mean we're we're paid to be perfect like we can't make mistakes especially   in contracts and the way that we write things but when you kind of make that transition over to being an entrepreneur there's too much there's too much to to be to be perfect you got you just got to get it done good enough absolutely good enough has to you have to be open um willing to accept that for sure y what's one actionable step our listeners can do right now to start creating more freedom so I'll use the military here you can um which is where I learned U kind of reverse backwards planning reverse   planning so literally just and I'm not going to tell you I'm perfect at this um but you know think about what create a vivid vision for your life in in the next three to five years pick a pick three years out from today and what do you want your life to look like and then backwards plan and now I'm not saying you need to plan every minute of every day but you can be that will that will increase the urgency uh sense of urgency in your life and the intentionality of every every hour and every day because you realize this is   doable but I got to take ownership of of my current situation if I want this to be the reality in three years so I would say create a vivid vision and and kind of reverse or backwards plan to get there perfect perfect last but not least how has passive income made your life better yeah I mean I think in multiple ways but a big one that stands out is is giving me I guess we'll call it margin um to take some more risks on the entrepreneurial side and because I do have alternative sources of income   passive income um it's allowed me that kind of mental and financial bandwidth or margin to maybe invest in a company that even if it doesn't per go perfectly it doesn't go well it's not profitable that's okay I still have that cushion um for for me and my family so that's yeah it's a huge it's been a huge factor in that regard yeah absolutely Game Changer man it just changes your mindset changes your life in so many ways uh Jamie this has been incredible dude you've got so much great content to to share in your   brain man you got to get it out there um I know you've got an awesome podcast that I was on adversity to abundance everybody should check that out um other than that Jamie where else can people find out more about you yeah just two things I'll mention very quickly uh literally got my book delivered today like an hour before I hopped on here it's uh from adversity to abundance it is based on the podcast so I encourage your listener to check that out from adversity to abundance is the book that's out and then Labrador   lending.com l b r a d o r.com is where you can check us out all right man awesome I'll drop all that in the show notes thanks again for coming on brother thanks for having me Seth this has been great Links from the Show and Guest Info and Links: https://www.youtube.com/watch?v=t6nU0TtMAFc https://www.instagram.com/p/C2sKtrAPX50/ https://www.facebook.com/permalink.php?story_fbid=pfbid029mGsZgw2DFvrvFV6QPkwf2U2ewUxCGoRmnjGvuBicaWmM9oHWbemP7NCVFFXz8jxl&id=100089126144055   Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en   Jamie Bateman's Links: https://x.com/batemanjames https://www.facebook.com/batemanjames https://www.threads.com/@batemanjames11? https://www.instagram.com/batemanjames11/ https://www.linkedin.com/in/jamie-bateman-5359a811/ https://labradorlending.com/about/

This week we had the glorious GNA return and we got LIT. We got insanely off-topic and Devin got destroyed as usual and we give some programming updates. As always be sure to drink and riff responsibly!

In this episode of the Energy News Beat Daily Standup, the hosts, Stuart Turley and Michael Tanner break down key global energy developments, including risks to UK North Sea oil jobs from anti-fossil policies, Brazil's expanding LNG power and clean energy mix, and Russia's shifting LNG trade outside the U.S. dollar via the dark fleet. They warn that the growing move away from dollar-based oil trading could threaten the USD's reserve status. The episode also highlights Texas' $5B energy fund expansion and pro-natural gas legislation, plus oil market reactions to geopolitical tensions and Canadian wildfire disruptions.Highlights of the Podcast 00:00 - Intro01:10 - UK North Sea Oil and Gas: Jobs at Risk, Costs Skyrocketing, and the Anti-Fossil Fuel Push03:50 - Brazil's GNA launches second LNG power plant06:27 - Russian LNG Exports Dip Amid Sanctions and EU Clampdown: The Dark Fleet's Role in Russia's Energy Trade09:16 - The 2025 Regular Texas Legislative Session Concludes: Key Energy, Oil, and Natural Gas Bills Analyzed15:10 - Markets Update16:57 - OutroPlease see the links below or articles that we discuss in the podcast.UK North Sea Oil and Gas: Jobs at Risk, Costs Skyrocketing, and the Anti-Fossil Fuel PushBrazil's GNA launches second LNG power plantRussian LNG Exports Dip Amid Sanctions and EU Clampdown: The Dark Fleet's Role in Russia's Energy TradeThe 2025 Regular Texas Legislative Session Concludes: Key Energy, Oil, and Natural Gas Bills AnalyzedFollow Stuart On LinkedIn and TwitterFollow Michael On LinkedIn and TwitterENB Top NewsEnergy DashboardENB PodcastENB SubstackENB Trading DeskOil & Gas Investing– Get in Contact With The Show –

Dr. John Smirniotopoulos, an interventional radiologist at Georgetown/MedStar Washington Hospital Center, discusses the intricacies of genicular nerve ablation (GNA) for pain management in patients with osteoarthritis and post-surgical knee pain. He delves into the history and evolution of GNA, outlines the neurovascular anatomy, and explains his specific rationale for targeting various nerves for ablation. --- SYNPOSIS Dr. Smirniotopoulos also compares GNA with other procedures such as corticosteroid injections, hyaluronic acid injections, and genicular artery embolization (GAE). He emphasizes the importance of managing patient expectations, the role of physical therapy, and explores different modalities of GNA, including the use of cryoablation versus radiofrequency technology. The episode offers a comprehensive overview of expert insights for evaluating knee pain and performing effective GNA. --- TIMESTAMPS 00:00 - Introduction 03:13 - Understanding Genicular Nerve Anatomy 12:06 - Tailoring GNA Treatment to Each Patient 22:39 - Comparing Ablation Devices and Methods 28:06 - GNA in Surgical and Post-Traumatic Patients 33:19 - Patient-Centered Decision Making 38:50 - Evaluating Functional Outcomes 43:39 - Comparing Treatment Modalities 49:34 - Post-Procedure Counseling and Expectations 58:40 - Future Directions in GNA Research --- RESOURCES Safety and efficacy comparison of three- vs four-needle technique in the management of moderate to severe osteoarthritis of the knee using cooled radiofrequency ablation (Wong, et al 2021): https://pubmed.ncbi.nlm.nih.gov/32968824/

On the latest episode of Beyond the Numbers by Weaver, host Vince Houk, Partner-in-Charge, International Tax Services at Weaver, delves deep into the world of strategic transfer pricing and how businesses can use it to their advantage. Joining him is Josh Finfrock, Director, Transfer Pricing Services at Weaver, an expert with a wealth of knowledge in the field. Key Points: One overlooked opportunity in utilizing FDII is to analyze the expense allocation with GNA expenses and allocate accordingly based on genuine benefit, which can help derive a better benefit. Other opportunities include looking at services provided by the U.S. company that may qualify for the FDII benefit and reviewing the IP structure to potentially move IP into the U.S. The U.S. provides a jurisdiction with substance, a good treaty network, and potentially lower tax rates compared to other countries, making it an attractive option for IP ownership and maintaining key operations. How can firms shift their perception and utilize transfer pricing as an asset rather than a burden? And what lies beyond the surface of transfer pricing, and how can businesses harness its potential to enhance their global operations? Clients often overlook how strategic transfer pricing can be and how it can be a tax saver and assist in cash management efficiency. For example, there is cash repatriation leakage that can be planned around with transfer pricing. Rate differentials between countries can be another challenge that transfer pricing adjustments can help save. Finfrock stated, “If we can do a strategic transfer pricing review with the company, we're going to come in and be able to look at, get a holistic view of the company, the global structure, understand where all the moving pieces are. That way, then we really know where those levers are, what our range of outcomes can be in different places, and then we can find those opportunities for savings.” Subscribe and listen to future episodes of Beyond the Numbers on Apple Podcasts or Spotify. ©2023

What's up Bros? Its Potomac time and we are thoroughly enjoying this season. It feels like we can comfortably say that Potomac is back. In this episode, Mia gets ready for her 40th birthday party. Ashley talks with Uncle Lump about her divorce and her journey over the past few years. Gizelle and Ashley host a GnA event as they continue their rebrand into... we're not entirely sure what the rebrand is yet but we will keep you updated. Mia brings up Gordon and Inc. and lets the ladies know some very personal info regarding the love triangle. The group is taken aback but overly supportive to Mia. That is until they get to the party later and bring up the family photoshoot at the pool not 24 hours after the fact, in which Gordon and Inc can be seen having a drink together for some family time. The whole situation is messy to say the least but it is impossible to look away from. Karen has her court date but it gets postponed until September. While she says in a confessional she just wishes it was over... in real time her attorney says that the postponement was their goal. So conflicting information there... At Wendy's party (and Ashley's actual birthday) we get to see a whole different side to TJ and it is a horrible look. The way he talks to Stacey is all of the red flags on the planet. Wendy and Eddie are making up with Eddie's siblings which is nice to see. But the party takes a left turn when the group addresses Mia and the photoshoot after Mia lets slip (intentionally) that she needs the FATHERS of her children to get along... Learn more about your ad choices. Visit megaphone.fm/adchoices

Join me as I get into the latest episode of RHOP! Check out the visual on YouTube! I discuss Karen's court date (she is waiting to tell her truth), GNA fusion (I guess and Ashley...the vocals my dear...they're trash...next question)/Wendy's party (how did she get off the boat) and Mia...GIRLUHHH! Please support the podcast HERE.Support the show

Wendy preps for her 40th birthday bash and tries to bring her extended family together; Karen's big day in court arrives. Ashley performs her new single at a GnA event; Gizelle and Mia's confrontation causes issues within the group. #RHOP #GizelleBryant #KarenHuger If You'd Like To Support This Channel: Cashapp: $bwashley5 Connect With Me: Blog: thebrookeashley.com Bluesky: thebrookeashley.bsky.social IG: thebrookeashley_ Tik Tok: thebrookeashley1 For Business/Promo Inquiries: Email: thebrookeashley5@gmail.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Whats up Bros? The ladies of Potomac head to Lake Norman. This season has been a breath of fresh air and the newbies are performing very well. In this episode, Mia is upset with Karen for not taking accountability in her DUI. Gizelle also has to have a convo with Karen in regards to the award show/ GnA event debacle. Jaqueline claims to want to get out from under Mia's shadow, but in the same breath takes offense when Jassi claims she is Mia's NEW sidekick... Stacey is still upset with Ashley for outing her new man to the group. Karen takes out her frustrations on Jaqueline for telling everyone that she called her drunk during the birthday party. The group addresses Stacey being "boring". Things get interesting at dinner when Mia lets Karen know that she was privy to a butt-dial conversation... "The ladies think I'm with Ray"... Is Karen up to no good? Perhaps the return of blue eyes? Learn more about your ad choices. Visit megaphone.fm/adchoices

RHONJ may be off the air but many of our favs, who may or may not be returning, have been making quite the headlines this past week. Teresa is urging, or begging based on how you read it, everyone to sign up for some website where we can all make free money to the tune of 50K a year. We break down this very strange biz venture, share updates on Louie's other biz ventures and answer just what is going on across the river in the Giudice / Ruelas household. Jennifer Aydin cannot seem to accept her fate that she is probably not returning to RHONJ, claims she has spoken to Andy Cohen, slams Tamra as thirsty and backtracks on many of her current statements regarding her cast mates and future of the show. Finally, Melissa Gorga shades Teresa and explains why she follows all the rules unlike her beloved sister in law. In other news, RHOP Season 9, Episode 3. The Grand Dame is in the hot seat as everyone has questions about her DUI, Gizelle remains mad over the GNA event and public headlines arise that her attorney's motion to dismiss the case against her due to a lack of Miranda Rights has been denied. In other words, the Grand Dame in headed to face a jury for her fateful actions the night she got behind the wheel of the car, allegedly, intoxicated.  Mia is messy AF, Stacey becomes enraged with Ashley, Gizelle and Wendy are actually getting along and, even though we are only in episode three, the ladies prepare to head on a cast trip to the far away and exotic state of North Carolina. How exciting.  @behindvelvetrope @davidyontef Listen Now: https://www.patreon.com/c/behindthevelvetrope Learn more about your ad choices. Visit megaphone.fm/adchoices

 COLD OPEN - 00:00-14:08 (Pop Culture Round-Up: VPR's return?? And Lala on Jeff Lewis)RHOP RECAP - 14:08We're picking up where we left off in Potomac, with Gizelle giving Mia, Jassi, and Stacey the boot from her GnA event and the aftermath. But let's be real, this episode is building towards the ultimate Karen vs Gizelle showdown, and what better place for the prize fight than on the trip Mia's hosting for the ladies in North Carolina! We're breaking down it all, hope you enjoy!Support the showSUBSCRIBE TO PREMIUM ON PATREON HERE OR APPLE PODCASTS HERE - FOR EXCLUSIVE RHONY RECAPS, SELLING THE OC SEASON 3 RECAPS, SOUTHERN CHARM REWATCHES AND MORE! BUY US A COCKTAIL OR HERBAL REFRESHMENT! IG @reality.bites.podcast ‘Like, Comment, Rate and Review' on all platforms!DISCLAIMER: The opinions, views and conjectures expressed by anyone on the podcast "Reality Bites" are their own and do not reflect the views or opinions of any networks, streaming platforms or digital platforms mentioned or related to the reality television shows discussed. These opinions and views are solely based on their personal experiences and perspectives as a viewer and reality TV producers. Any statements made on the podcast, social media or any other mediums are for entertainment purposes only and should not be considered as facts or representative of any network or platform. The opinions and conjectures presented are subjective and should be taken as such. Reality Bites bears no responsibility for any action or decision based on the information provided during the podcast or any other platform.

What's up Bros? It's Potomac time and we are so happy that this season is off to such a good start. Gizelle kicks the ladies out of her GnA event despite only being 4 minutes late. However, she recognizes later that they were just collateral damage and to EVERYONES surprise... SHE APOLOGIZES! It seems like her and Karen are geared up to face off all season. Wendy and Gizelle continue to further their friendship and we are liking that duo. Ashley calls out Karen for the shady behavior regarding the awards show. We get to meet Inc and hear more about Mia's coparenting situation/ living situation with G. Gizelle fears that the newbies are falling under Karen's spell already so she makes an effort to get to know them. Stacey introduces us to TJ in a very strange scene, and then finds out that Ashley Darby may not be who she says she is... The crew heads to Lake Norman (great spot) for Mia's cast trip. En route Mia points out to Karen that this is a criminal charge against her, and despite her not discussing it, it is out there on the internet and eventually Karen will hit a breaking point. The biggest bummer for us is watching Karen take zero accountability on the issue. The victim mentality when you get your second DUI is a bold strategy and we don't see it panning out for her. Learn more about your ad choices. Visit megaphone.fm/adchoices

Shocked by the dramatic GnA ousting, the group seeks answers and apologies; Keiarna settles in at her boyfriend's house; Mia and Inc have a staycation to get some space of their own; Stacey's close friend TJ comes to town. #RHOP #GizelleBryant #KarenHuger If You'd Like To Support This Channel: Cashapp: $bwashley5 Connect With Me: Blog: thebrookeashley.com IG: thebrookeashley_ Twitter: thebrookeash Tik Tok: thebrookeashley1 For Business/Promo Inquiries: Email: thebrookeashley5@gmail.com Learn more about your ad choices. Visit megaphone.fm/adchoices

RHOP Season 9, Episode 2. The P is back in our lives and there is no shortage of drama baybee as Karen and Gizelle's minute long frenemyship has gone completely south with competing events - Karen's out of no where Femme Powered salute and Gizelle and Ashley's rebranded GNA launch.  In other news, Mia sobs, Stacey lets us know she is celibate, Keiarna Stewart - aka K - makes her debut, Wendy teaches Gizelle how to eat oysters as we, the audience, are left asking, Robyn and Candiace who? Heading west, Alexis Bellino demands sympathy the same as Shannon, lets us know all the reasons how and why this season has been hard for her and talks upcoming nuptials to the one and only Johnny J.  Speaking of John Janssen, he makes it clear why Shannon has no case of blackmail or extortion against him for any rumored videos of Shannon the night of her DUI.  Rumors of a Tamra / Shannon reconciliation a la the RHOC reunion arise, rumors of a Shannon / Vicki breakup get started and Tamra announces who she will never, ever speak to again. Finally, RHONY chugs along with Episode 3, Season 15 as this fragmented cast head to The Hamptons where, based on history, things never seem to end well. Thanks for hosting Erin.  All this and more as we break down all of this week's hottest Bravo goss, shows and more. @behindvelvetrope @davidyontef Listen Now: https://www.patreon.com/behindthevelvetrope Learn more about your ad choices. Visit megaphone.fm/adchoices

It's been too long! We catch up with each other and all of the happenings as well as recap RHOP and RHONY. Over in Potomac, it's the battle of events with GNA vs Femme Powered. Was Karen getting honored for running into a tree? In New York, the women head to the Hamptons where Erin has a full spread for the ladies and we are trying to figure out who is the pigeon. Come judge with us!You can find us:Instagram & Threads: @twojudgeygirlsFacebook: www.facebook.com/twojudgeygirlsPodcast: ACast, iTunes, Spotify, wherever you listen!Merch: www.etsy.com/shop/twojudgeygirls Hosted on Acast. See acast.com/privacy for more information.

What's up Bros? Potomac is off to a great start this season and we couldn't be happier. It seems as though this cast has found its way to making entertaining TV again. Whether that's the absence of Robyn or the shady yet lovely friendship between Karen and Gizelle, we're only 2 episodes in but we are optimistic. In this episode. Gizelle and Wendy sit down in an attempt to reignite some sort of friendship. They are able to hear one another out, and while Gizelle sees a path to be besties... Wendy sees it as a step in the right direction. Gizelle is throwing an event for GNA in honor of her late father and partnering with the Brain Tumor Society. Karen informs Gizelle she's being presented with an award during her and Ashley's GNA event, so she will be attending later. The next morning however, Karen extends an invite to the whole group even though they are all planning on (and have been for awhile) going to Gizelle's event. Double events and shady invites are what we love to see and it forces the group to choose. Although some of the ladies plan on attending both, the timing of the bus back to Gizelle's event makes that next to impossible. We learn more about Stacey and her home life, and while she still lives with her husband despite separation, we definitely don't need Ashley of all people commenting on it. Things escalate when the majority of the group is not present at Gizelle's event. Some of the housewives decide to stay at Karen's event to see her receive her award (namely Wendy which should cause some strain in her newfound friendship with Gizelle) and a few decide to show up late to Gizelle's and are promptly met by security. RHOP seems to have found its way back, and it is just fun to watch! Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a text Clashing Events & Confessions RHOP Season 9, Episode 2 - "Double Trouble" This episode of The Real Housewives of Potomac centers around tensions brewing between the ladies during a birthday lunch, two simultaneous events, and ongoing relationship drama.The episode opens at the end of the birthday lunch where Mia is emotional in the bathroom, comforted by Jassi, Stacey, and Jacqueline, while Wendy discusses Mia's role as a mother with Karen and Giselle. Giselle then gifts hats to the ladies, symbolizing their place in the group, with Giselle taking the "Queen" hat.Afterward, Mia and Jacqueline rejoin the table where apologies are exchanged.Personal storylines emerge: Stacey's complex family dynamics are highlighted as she manages co-living with her separated husband while dating and raising her daughter Arabella. Ashley also visits Stacey to discuss relationships, race, and parenting.Later, tensions rise during a lunch between Wendy and Giselle. They address unresolved issues, with Wendy voicing her frustration about feeling alienated, while Giselle offers to communicate more directly in the future.Karen's award event and Giselle's GNA event overlap, causing friction. Giselle suggests everyone attend Karen's event to avoid chaos, but some of the ladies try to juggle both events, leading to an awkward split and Giselle's frustration with the divided loyalties.The episode wraps with tensions unresolved as Giselle sees Mia, Jassi, and Stacey arrive late to her GNA event and confronts them.TakeawaysMia was upset about her parenting being questioned.Giselle's behavior is often hypocritical.Wendy's fashion choices were deemed inappropriate for lunch.Giselle and Wendy agree to communicate better.Stacey's daughter is trilingual, showcasing her family's diversity.Ashley identifies as a black woman despite her biracial background.Kiarna is building a house with her partner, indicating a serious relationship.Karen's advice to Kiarna about relationships may be overstepping.The dynamics of friendship in Potomac are complex and often contentious.Giselle's invitation choices reflect her alliances within the group. The GNA event sparked significant drama among the cast.Friendship dynamics are complex, especially between Giselle and Karen.Giselle's new venture is influenced by her father's passing.Karen's actions during the event were seen as opportunistic.The fallout from the events could lead to lasting consequences.Production insights reveal the behind-the-scenes workings of Potomac.Personal reflections on health and drinking habits were shared.The hosts feel the episodes of Potomac fly by quickly.The rivalry between Karen and Giselle is a central theme this season.The importance of supporting friends during difficult times was emphasized.Emotional Support Water Bottlehttps://podcasts.apple.com/us/podcast/emotional-support-water-bottle/id1672867717Emotional Support Water BottleSupport the show

The fallout from Karen's `hattitude' birthday continues as a few of the ladies try to reel in the drama; Gizelle and Wendy meet to hash out their issues; Gizelle and Ashley's GnA event is challenged by the Grande Dame. #RHOP #GizelleBryant #KarenHuger If You'd Like To Support This Channel: Cashapp: $bwashley5 Connect With Me: Blog: thebrookeashley.com IG: thebrookeashley_ Twitter: thebrookeash Tik Tok: thebrookeashley1 For Business/Promo Inquiries: Email: thebrookeashley5@gmail.com Learn more about your ad choices. Visit megaphone.fm/adchoices

The ladies must choose between Karen's award ceremony and Gizelle's GNA event on The Real Housewives of Potomac. Someone's bound to be upset, but it's great for the audience! To watch this recap on video, listen to all of our bonus episodes, and join in our new community chat, go to Patreon.com/watchwhatcrappensSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dorit continues to wear her wedding ring, has started filming the new season of RHOBH with and without PK, has sat down with Kyle to work out the issues that remain from last season and trudges along amidst her separation from PK. Real or Fake seems to be the question most of you are asking and we take a little deep dive down that path.  In other news, Kathy Hilton returns, Bozoma Saint John, Eva LaRue and Jennifer Tilly are all set to join Season 14 in some capacity, Annemarie cannot stop slamming Crystal despite Season 13 being long gone and Lisa Rinna proves, once again, she is the Princess of Re-invention with “Mommy Meanest”.  RHOC picks cameras back up thanks to Ryan Boyajian's Gambling MLB drama, Tamra shades Jennifer Pedranti, Jennifer slams back and we cannot help ourselves but to get involved. Long live The TamRat.  Finally, we spill the tea on the new season of RHOP - newbies, a united GnA, a vocal Grand Dame and much, much more. @behindvelvetrope @davidyontef BONUS & AD FREE EPISODES Available at - www.patreon.com/behindthevelvetrope  BROUGHT TO YOU BY: QUINCE - quince.com/velvetrope (Get Free Shipping and 365 Day Returns on Elevated Luxury Without Paying Luxury Prices)  ASTEPRO - asteproallergy.com (Get Fast Acting Nasal Allergy Symptom Relief with Astepro. Discount Available on Website) THE KARDASHIANS (New Season Starts May 23rd Only On Hulu) BUBLY - bubly.com (Introducing Bubly Burst - Sparkling Water with an Extra Burst of Fruit Flavor, an Extra Burst of Fun. Purchase At a Store Near You)  INDEED - indeed.com/velvet (Seventy Five Dollar $75 Sponsored Job Credit To Get Your Jobs More Visibility)  INDACLOUD - indacloud.co/spring24  (30% Off Discreet Delivery Off Top Shelf THC Products)   ADVERTISING INQUIRIES - Please contact David@advertising-execs.com MERCH Available at - https://www.teepublic.com/stores/behind-the-velvet-rope?ref_id=13198 Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 51 | Strategic IT BudgetingThe Big Themes:Integrated investment approach: Wayne advocates for aligning IT investments with broader company goals, urging against treating IT as a separate entity. This approach ensures that IT projects are evaluated alongside other investments, prioritizing those with the highest strategic value.Time allocation for CIOs: Wayne recommends that CIOs dedicate around 20-25% of their time to budget-related activities, including engaging with business stakeholders, discussing investment priorities, and strategic planning. This time investment is critical for ensuring that IT initiatives are aligned with broader business objectives.Comprehensive project costing: A transparent and comprehensive approach to project costing, where expenses are aggregated to provide a holistic view of total project costs can be beneficial. This strategy prevents budget overruns and facilitates better decision-making throughout the project lifecycle.The Big Quote: “Don't budget only for implementation. I see this all the time. If the project is going to be $10 million to put it in, what's your first year, first 18 months of costs? People say my project is to put in Product X. Now when the product is done, there's the ongoing cost — especially in the SaaS [software-as-a-service] world, that's not insignificant."

As The Traitors Season 3 prepares to film, we address the many rumors of who will be joining the cast separating fact from fiction in regards to Paris, Nicole, Teresa, Dorinda, Kenya and Jax as potential cast mates. Next we break down Paris & Nicole's new unscripted show, Jax slams Lala, Scheana and the rest of the VPR cast, Jax and Brittany have more marital troubles, The Valley Season 2 is green lit and we prepare for tonight's Part I of the VPR reunion. Over in the P, Gizelle kicks Mia and the newbies out of her GnA event as Karen befriends them. Finally, Dorit claps back at fans, sits down with Kyle, and reacts as PK storms out of meeting with Mauricio and off the RHOBH set. @behindvelvetrope @davidyontef Learn more about your ad choices. Visit megaphone.fm/adchoices

Trident Royalties is a royalty company with a large portfolio of royalties in various commodities. They aim to build a diversified portfolio and have exposure to lithium, copper, mineral sands, iron ore, gold, and silver. Their Thacker Pass lithium royalty is a significant asset that is expected to generate substantial cash flow. Trident Royalties trades on the AIM in the UK and the OTC in the US. They have a revolving credit facility with BMO and CIBC to finance their acquisitions. The company is generating free cash flow and has a conservative GNA of $4 million per year.

In this episode, I will deep dive into the final part of The Real Housewives of Potomac Reunion part 3. I talk about the ups and downs of Gordon & Mia's relationship and where I see them heading in the future, Nneka's storyline or lack thereof and her season exhausting fueled with Dr. Wendy, Candice Departure from the show, Robyn's shady departure from the show, whether or not Kierna is a great fit with the group, Dr. Wendy's storyline, the GNA brawl that left Kierna in the hopsital, and where I see this group going from here & SOOOOOO MUCH MORE......

Another wild week in March. How much more can we take? Monday's news about P Diddy's homes being raided by Homeland Security and his sons being cuffed, while he was allegedly flying around the islands on a private jet. Real Housewives of Potomac has us talking - the finale was definitely worth watching. There's a physical fight at the GNA party. And Mia and Gordon are getting divorced: Mia's been having an affair, and she and Gordon aren't sure whether their son is Gordon's or Mia's on-and-off affair partner. So this is going to be *quite* the reunion. We have an interesting theory on what might actually be behind Simon Guobadia's recent call to the police. Miami filming is delayed - we've got some thoughts on why. Why are we finding out so much more about Kyle and Mauricio's separation on Buying Beverly Hills? Last but not least, congrats to Ariana from VPR on the purchase of her new house. A quick update on where things stand with her house battle with Tom.    This week's episode of Cocktails and Gossip is brought to you by our sponsors: - Get 20% off your entire order at Honeylove! Go to honeylove.com/GOSSIP for bras so comfortable you'll forget you're wearing them.  - Take the first step to visibly thicker, healthier hair with Nutrafol - get your first month's subscription for $10 off and free shipping at Nutrafol.com/GOSSIP - Get 15% off your first OneSkin purchase using the code GOSSIP when you checkout at oneskin.co - Head to factormeals.com/gossip50 and use code gossip50 to get 50% off.   

Emma and Isabel begin with (in their opinion) this season's best episode of Vanderpump - the Scheana and Schwartz “kiss”, Katie and Max, and the Jo of it all. POTOMAC (~33:00) Then, they get into the RHOP finale, which breaks down the fight at the GnA fashion show, and dives realllyyyyy deep into Mia and G's marriage situation. Plus, news that Candiace will not be returning, and Karen's DWI charges. SUMMER HOUSE (~48:00)  Finally, another week of analyzing Lindsay and Carl in the Hamptons.  To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Emma and Isabel begin with (in their opinion) this season's best episode of Vanderpump - the Scheana and Schwartz "kiss", Katie and Max, and the Jo of it all.POTOMAC (~33:00)Then, they get into the RHOP finale, which breaks down the fight at the GnA fashion show, and dives realllyyyyy deep into Mia and G's marriage situation. Plus, news that Candiace will not be returning, and Karen's DWI charges.SUMMER HOUSE (~48:00) Finally, another week of analyzing Lindsay and Carl in the Hamptons. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This episode, Eamon & Merlin talk Rupaul's Drag Race where the queens get their HGTV on and Q copes with Sapphira's win, sorta. Then, they talk the Season Finale of Real Housewives of Potomac featuring the aftermath of the GNA brawl and the aftermath of Mia and Gordon's marriage. And finally, the Season Premiere of Summer House: Martha's Vineyard where it's a Silas-less summer that still has tons of great drama. 4:44 - RuPaul's Drag Race: Season 16, Episode 12 49:42 - Real Housewives of Potomac: Season 08, Episode 18 1:50:00 - Summer House: Martha's Vineyard: Season 02, Episode 01 We are Eamon and Merlin, a queer married couple from Texas living in Pittsburgh, PA. We love reality television, wrestling, drag queens, and pretty much anything that can be called even kinda gay. A Gay & His Enby is a podcast where we talk about everything we love in terms of media and pop culture; everything thats gay and gay adjacent; basically all the conversations we have in our living room we are now putting in front of a microphone and on the internet for you. We have launched our MERCH STORE! We are so excited to bring you these designs, all made by Merlin, commemorating some of our favorite iconic moments! Shop now at https://AGayAndHisEnby.Threadless.com Every week, we have the pleasure and privilege of recording from Sorgatron Media Studios in Pittsburgh. Our theme song is Pulsar by Shane Ivers which you can find at https://www.silvermansound.com All of our social media can be found at our linktree: https://linktr.ee/agayandhisenby In recent years, states have pushed forward a record number of bills that attack LGBTQ rights, especially transgender youth. The current obession with Drag Queens is no exception. This is a thinly veiled attempt to outlaw gender expressions that do not fall within the cisheteronormative guidelines. Please consider donating to one of the following charities to help make the US a safer place for Queer folks to live in peace. American Civil Liberties Union (https://www.aclu.org/issues/lgbtq-rights) Trevor Project (https://give.thetrevorproject.org/give/63307/#!/donation/checkout) PFLAG (https://pflag.org/donate/) True Colors United (https://my.truecolorsunited.org/give/107399/#!/donation/checkout) OutRight International (https://outrightinternational.org/take-action/give) Lambda Legal (https://support.lambdalegal.org/site/Donation2;jsessionid=00000000.app30130a?df_id=6680&mfc_pref=T&6680.donation=form1&NONCE_TOKEN=D3311163DF16F06EEA5520010BAF90B5) GLBTQ Legal Advocates & Defenders (https://donate.glad.org/give/123741/#!/donation/checkout?c_src=webheader) Human Rights Campaign (https://give.hrc.org/page/118560/donate/1?ea.tracking.id=or_gnr_hrc_homepage2022) It Gets Better Project (https://give.itgetsbetter.org/give/250737/#!/donation/checkout)

Purple Pants Podcast | An Iconic Ending It's been a season! @Jtiaphd & @brice return to recap the season finale of Bravo's ‘The Real Housewives of Potomac.' We're covering the GNA brawl, the photo shoot release party, Gordon and Mia‘s demise, plus discussing which cast members will not be returning and so much more. Tune in for this week's RHOP Recap! You can also watch along on Brice Izyah's YouTube channel to watch us break it all down. https://youtube.com/@BriceIzyah215?si=CvofnwY4WQXA12xE   LISTEN! Subscribe to the Purple Pants podcast feed by visiting https://robhasawebsite.com/feed/purplepants/ WATCH! Watch and subscribe to the podcast on YouTube SUPPORT! Become a RHAP Patron for bonus content, access to Facebook and Discord groups plus more great perks! Previously on the Purple Pants Podcast Feed: Purple Pants Podcast Archives Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode, Eamon & Merlin talk Part Three of the Real Housewives of Miami reunion that ends a phenomenal season of television with a remix we couldn't believe. Then, they talk the last two episodes of Real Housewives of Potomac where Charrisse's crabs are as under seasoned as GNA fashion. Also, two new episodes of Vanderpump Rules that see Sandoval give us the worst lesson in who Scott Petersen is. And finally, Part Three of the Real Housewives of Beverly Hills reunion where Sutton takes a trip to the hospital, leaving Kyle to stall for as long as possible. 4:16 - Real Housewives of Miami: Season 06, Episode 20 47:46 - Real Housewives of Potomac: Season 08, Episode 16 & 17 1:29:25 - Vanderpump Rules: Season 11, Episode 07 & 08 2:33:32 - Real Housewives of Beverly Hills: Season 13, Episode 20 We are Eamon and Merlin, a queer married couple from Texas living in Pittsburgh, PA. We love reality television, wrestling, drag queens, and pretty much anything that can be called even kinda gay. A Gay & His Enby is a podcast where we talk about everything we love in terms of media and pop culture; everything thats gay and gay adjacent; basically all the conversations we have in our living room we are now putting in front of a microphone and on the internet for you. We have launched our MERCH STORE! We are so excited to bring you these designs, all made by Merlin, commemorating some of our favorite iconic moments! Shop now at https://AGayAndHisEnby.Threadless.com Every week, we have the pleasure and privilege of recording from Sorgatron Media Studios in Pittsburgh. Our theme song is Pulsar by Shane Ivers which you can find at https://www.silvermansound.com All of our social media can be found at our linktree: https://linktr.ee/agayandhisenby In recent years, states have pushed forward a record number of bills that attack LGBTQ rights, especially transgender youth. The current obession with Drag Queens is no exception. This is a thinly veiled attempt to outlaw gender expressions that do not fall within the cisheteronormative guidelines. Please consider donating to one of the following charities to help make the US a safer place for Queer folks to live in peace. American Civil Liberties Union (https://www.aclu.org/issues/lgbtq-rights) Trevor Project (https://give.thetrevorproject.org/give/63307/#!/donation/checkout) PFLAG (https://pflag.org/donate/) True Colors United (https://my.truecolorsunited.org/give/107399/#!/donation/checkout) OutRight International (https://outrightinternational.org/take-action/give) Lambda Legal (https://support.lambdalegal.org/site/Donation2;jsessionid=00000000.app30130a?df_id=6680&mfc_pref=T&6680.donation=form1&NONCE_TOKEN=D3311163DF16F06EEA5520010BAF90B5) GLBTQ Legal Advocates & Defenders (https://donate.glad.org/give/123741/#!/donation/checkout?c_src=webheader) Human Rights Campaign (https://give.hrc.org/page/118560/donate/1?ea.tracking.id=or_gnr_hrc_homepage2022) It Gets Better Project (https://give.itgetsbetter.org/give/250737/#!/donation/checkout)

On the eve of this season's Potomac finale, Mia Thornton stops by the studio to bring us up to speed on all the mess. She gets real about the personal journey she's been on the last few years, and why she hasn't shied away from sharing it all on camera. Later, she and Dylan talk through some of the larger issues the group is facing this year, and whether the reunion might bring much-needed resolution. Also, Mia breaks down the situation with Deborah at the GNA fashion show, and why things go left when people shoot their shot. Learn more about your ad choices. Visit megaphone.fm/adchoices

Join us as we break down the GNA fashion show, The Wendy Show, Robyn's Glow 30 Spa and so much more.

Join us as we break down the GNA fashion show, The Wendy Show, Robyn's Glow 30 Spa and so much more.

Purple Pants Podcast | Fashion Show-Down   @Jtiaphd & @brice return to delve into episode Seventeen of Bravo's ‘The Real Housewives of Potomac.' Join us as we break down the GNA fashion show, The Wendy Show, Robyn's Glow 30 Spa and so much more. Tune in for this week's RHOP Recap! You can also watch along on Brice Izyah's YouTube channel to watch us break it all down. https://youtube.com/@BriceIzyah215?si=CvofnwY4WQXA12xE   LISTEN! Subscribe to the Purple Pants podcast feed by visiting https://robhasawebsite.com/feed/purplepants/ WATCH! Watch and subscribe to the podcast on YouTube SUPPORT! Become a RHAP Patron for bonus content, access to Facebook and Discord groups plus more great perks! Previously on the Purple Pants Podcast Feed: Purple Pants Podcast Archives Learn more about your ad choices. Visit megaphone.fm/adchoices

Join us as we break down the GNA fashion show, The Wendy Show, Robyn's Glow 30 Spa and so much more.

Trevor McConchie joins The Stump to talk about the Good Neighbor Authority. What is Good Neighbor Authority, GNA for short? How does it fit into the management of Forest Service lands? How is GNA implemented in Washington State? Trevor leads the Good Neighbor Authority program in Washington State for the Department of Natural Resources. With a relatively small but passionate team of foresters, engineers, and other natural resource professionals, DNR is working with federal land managers on critical work that benefits both the environment and society. The GNA program produces a variety of tangible and intangible benefits, from wood for the marketplace, road maintenance for access, recreation opportunities, water and habitat improvement work, and jobs in rural communities. All are done more efficiently than can often be obtained through Federal Government contracting methods. You can learn more about the Good Neighbor Authority at the links below: U.S. Forest Service: https://www.fs.usda.gov/managing-land/farm-bill/gna National Association of State Foresters: https://www.stateforesters.org/state-defined-solutions/good-neighbor-authority/ Western Forestry Leadership Coalition: https://www.thewflc.org/partnerships/gna-information-and-resources Washington State Department of Natural Resources: https://www.dnr.wa.gov/gna

“Don't Sign the Pope's Document

www.atravelpath.com   00:00 Introduction 05:37 What Did Your Travel and Work Life Look Like? 08:06 How Did Your Plans Change? 09:21 Money Saving Tips 10:26 How Did You Find Campsites? 13:06 Recreation.gov 14:11 How Do You Travel with Children? 17:06 What is the Junior Ranger Program? 20:06 Did Bringing a Child on Your Road Trip Hold You Back from Anything? 21:47 The Impact of Travel at an Early Age 22:06 Get Your Child's Input 22:51 Bringing Your Dog to National Parks 24:19 How Long Did It Take to Plan Your Road Trip? 26:41 Homeschooling Tips 30:36 Travel Frustrations 32:41 What Was Your Coolest Travel Experience? 34:36 What Is One Thing You Can't Live Without While Traveling? 35:06 How Did You Transition Back to “Normal” Life? 36:06 How Did You Take Care of Your House? 37:22 What is One Thing Someone Could do to Get Started with a Road Trip? 39:26 What Are Your Favorite YouTube Travel Channels?   Laura and Jason on Social: YouTube Facebook Instagram Olympic National Park Video 5 Tips for Hiking with Kids 75 Day Road Trip Playlist   We had a great time chatting Laura, Jason, and special guest Alexis during this episode of The Travel Path Podcast! In today's show you will hear all about:

www.atravelpath.com   00:00 Introduction 01:15 How many times have you been to Disney World? 02:13 What is there to do apart from the main attractions? 03:15 How long should someone spend in Disney World? 05:10 When is the best time to go to Disney World? 06:30 Disney Crowd Calendars 07:00 How far ahead should someone plan? 07:52 Disney Park Passes 08:39 Disney Genie+ 11:20 Night life/adult activities in Disney World 12:30 Favorite restaurants 14:00 Alien Encounter ride 15:00 What are three things to do around Disney World? 17:50 Two complaints someone would have at Disney World 20:20 Crowds/weather in Disney 21:40 What is one thing you can't leave Disney without doing? 22:40 Favorite ride?       Ericka on Social Media: https://www.youtube.com/@ErickaAdventures https://www.instagram.com/ericka.adventures/     Links Planning https://disneyworld.disney.go.com/ Crowd calendar Annual passes Disney Genie+ Video   Restaurants Homecomin' Kitchen La Cava del Tequila Satu'li Canteen in Animal Kingdom   To Do Animal Kingdom Lodge Resort Magic Kingdom Fireworks Guardians of the Galaxy Cosmic Rewind   Outside of Disney Universal Orlando   #travelpodcast #disney #disneyguide #disneyworld #erickaadventures   *All content from atravelpath.com, including but not limited to The Travel Path Podcast and social media platforms, is designed to share general information. We are not experts and the information is not designed to serve as legal, financial, or tax advice. Always do your own research and due diligence before making a decision.   Transcript from YouTube: Erica thank you for joining hope and I on this episode of the travel path podcast thanks for having me yes we know you on YouTube and Instagram as Erica Adventures that's Erica e r i c Ka a um you've got content and videos featuring everything from your travel Vlogs all over the country you've got some backpack Packing Tips you have some book recommendations so a lot of variety there and then you also have a ton of Disney so we're excited to jump in here um why don't you start by sharing a little about yourself and then letting our audience know your current lifestyle looks like yeah so um I am a travel content creator on the side I do have a full-time 9-to-5 job but um on Eric Adventures I just love sharing tips and tricks on all of my Adventures whether that's theme parks or Beyond so that's kind of what my lifestyle looks like right now no that's awesome you definitely have some awesome content I've enjoyed watching it I've learned a lot from you about places that you've gone so I'm excited to jump in here um before we dive too deep into your actual current travel lifestyle we want to take a step back and talk about um when you studied abroad in Rome yeah so that was a very very special time in my life yeah that was my junior going into senior year of college I did six weeks there I think I don't know the time time's crazy there but um yeah that was an incredible opportunity I really got to live in Rome I lived in an apartment um really got to like live in the culture there and explore all of Rome the Coliseum um everything and it was a truly life-changing experience and I cannot recommend doing a study AB broad if it's an opportunity for you like I think everyone should do that um if they can in college it just take you don't have to take the whole like semester off like I just went in the summer and just go for go for a couple weeks and it's going to change your life and give you a whole new perspective oh yeah that's awesome now did you have any initial fears or concerns doing that and if someone you know was thinking about going abroad what would your advice for them be yeah I mean I was excited and nervous I think that's everyone's feeling towards that especially that was my first time really going like out of the country um so you know I had to get my passport and like make sure all my travel documents were in order but I was really lucky to go with some solid friends so I knew I had people um that I knew very well going but I definitely met amazing people along the way so I just feel like it's that you just kind of have to take the jump and do it because it's only like a once in a-lifetime Opportunity you can't you know go back later and do it like study abroad you can go back and travel to Europe but you know actually being in the city for that long and and experiencing the lifestyle that's that's like a once in a-lifetime chance yeah absolutely definitely too with you know your group of friends and at that age you just experience things so much different than you know you do when you travel and you get a little bit older yeah absolutely and you mentioned six to eight weeks and that's news to me might not be news to our audience but I always thought like studying abroad you were there for like a year or a semester so I think that almost answers that question hope had originally where like if you have a concern or you're a little bit afraid to do that well you can actually do it for just 6 to8 weeks can you go for shorter or is that like the quickest time frame you can do in a broad study well for me so I went to Michigan State which has a huge study abroad program and a lot of the study AB Brads were semester and I had you know I didn't really want to take a semester off college cuz that's an experience in itself I really want to have the college experience um so I feel like 6 weeks was the shortest one at my school at the time uh there still might be other opportunities it's maybe four weeks but yeah it wasn't too long um it was I feel like it was the perfect amount of time to get that experience but also like come back home too what was the dayto day in like week to week like in Rome when you were there I pretty much had classes every day during the week so that was basically my morning to my afternoon some of those classes did involve like field trips going to like an historic site or something like that um but basically I I had a pretty similar schedule to what I'd have at home like I went to class and then i' come home and I'd either make dinner go out to dinner because I mean I ate pasta every day when I was in Italy that's kind of what like the week schedule looked like and then on the weekends that was free for us to do whatever some people actually would leave the country and go to like Spain or Barcelona for the weekend because you know that was like a short train right away and we did like a mai Coast or went to Florence so we tried to like explore outside of Rome too uh on the weekends awesome yeah it sounds like a really awesome time there yeah well great um I guess we can fast forward a little bit to your current travel lifestyle where you are now so growing up you've been traveling pretty consistently you've been back and forth the Disney World in Florida and you've lived pretty much all over Michigan has that always been a part of you and did that make you want to continue traveling absolutely I feel like I've always like I almost like live to leave I say sometimes like what really gets me excited is having a trip booked or like knowing I'm about to go experience somewhere new like that's always been a part of me I think I get that from my mom like she's always like let's go let's go here let's go there like yeah like let's do it and I've never really had any reservations about that that's just always been who I am and kind of like how I've grown up just I I I I love to go new places experience new things I do love being at home but I can't be at home for tooo long I have to go somewhere at some point so that's kind of always been a part of me so it sounds like the travel came first like when you're looking for your job your full-time job after your graduated college the travel part was a non-negotiable so how are you able to land a job so that you could have that opportunity how it's how it came to be so I've had two jobs since I've graduated college my first job was in retail which gave me five weeks off um a year so I was like perfect like plenty of time to travel um but I soon realized that that career path wasn't for me so I wanted to switch careers which I did and now I'm in marketing at my current job and I was supposed to be not fully remote like I was supposed to be in the office every day but when I got hired it was March 2020 and life happened and I got sent home and everything kind of shifted at this new company I worked for and everyone's like okay well you can work from home now just because that became our Norm so I feel like you know of course 2020 has its highs and lows for sure but I would say maybe like a good thing that came out of it is that there's so many more opportunities to work from home and that really helps like with travel because I can work you know from home and then leave right to the airport after like I I feel like it just gives me way more flexibility so I feel like in today's society we have so many opportunities so many um job opport unities that we can you know work remote or even hybrid my fiance Works hybrid and that still works with our travel schedule when you're working from home it's great you have the opportunity you can travel more you're not making that commute to work but your work and your boss like they kind of always know you're on call if that makes sense does that make your work hours longer than they might typically be or what does that look like yeah so because I do work in marketing so a lot of my job is communicating with our customers and you know if there's anything that they need um whatever time of day it is I'm just always like okay yeah I'll answer them I work a lot in our social media too so if someone messages us at 10 p.m. I'll need to message that customer back and that's just kind of how it goes thankfully I have a really great team where we always like you know pick each other up if I'm on vacation or traveling you know my boss will be like oh don't worry I got this or or whatever but we just really have a great collaborative team and I think that makes it makes such a difference when you have people that understand on your team that like okay this person traveling will help pick up you know anything that's going on at the office sure yeah finding a job in a team where you're like-minded it's group effort and get things done that way yeah what are some of the biggest frustrations you find with this lifestyle I would say that I feel like there's so much to do and so many places to travel to and I only have so much PTO or we have only so much time off and it's hard to like pick everything and then when you go to that destination it's like okay well there's like a hundred things I could do in Rome in Paris at a theme park like how do I you know pick and choose and I feel like that's kind of like the beauty of travel also is like we're never gonna be able to see it all you know so it's Al it's always like I love to do my plan and research ahead of time so that way I know like okay these are my priorities but I always feel like oh I left a place I'm like oh I didn't get to do that or that and it's like I don't know that's like a little struggle I have personally no I definitely feel that like when we're driving through a state it's like which way do we want to go right like there's so much up here on the Northern side and there's so much on the southern side so we definitely struggle with trying to you know feel like what you can get done in that time frame when you actually have off right and then you come back home and people are like so did you do that and you know and you're like no I didn't do that like oh well you missed out and it's like oh but I was doing this really cool thing it's like ah you know you know it's so true we did a cross country Loop we went North out and then back towards the middle of the country and we thought like once we did that we never have to like do that loop again but like what we found was we could drive that same exact Road the whole exact same path out and back and we could have a completely different experience because there's just so many things that we missed right along the way that we didn't get get to do yeah absolutely so it's funny to bring that up because you do go to and I know we're going to touch on this in part two of the Disney World in Orlando studios and all that but so if anyone's looking to plan a trip to Disney definitely tune into part two here but you mentioned there's a ton of places million one things to do and see but you're always going back and forth to Disney and you've been going there since you were a kid I guess we can do like a little bit of a teaser for the next episode is there something that makes that place so special for you yeah I mean well first of all I think the Nostalgia factor for me since I've been going there since I was a kid it's it's always been very nostalgic for me it's always felt like a place I mean kind of like a a second home in a way like I just always feel at peace when I'm there and it's it's just a place I go to when I just want to have fun like I just want to have a good time I want to be entertained and like just have a ball and honestly have permission to be a kid again and just have that Disney escapism um some people call it the Disney bubble like as soon as you enter Disney World all of your problems at home they don't exist anymore you get to kind of be in this like pretend world and just just have fun and just be a kid again so that's something that I do love about theme parks in Disney World like I just love to go and just just be a kid have a good time I love roller coasters and the entertainment so it's just a place I like to visit for sure yeah and they're always making more and more new rides and yeah yeah so everyone tune in to part two we'll be talking about that in the next episode so we'll transition a little bit to some of the budgeting and finance when you're on the road now we typically ask this question what does a monthly budget look like obviously you're not traveling full-time living in a van or an RV so how long are you typically gone for and then what does that budget typically look like yeah so it really depends on the trip um it could be a weekend trip or a week trip but I feel like when it comes to budgeting I really focus a lot of my budgeting when I'm at home like I I budget the most there so that I can save up for those travel experiences so for instance like I rarely really eat at eat out when I'm home like I actually moved to a new city um it's been over a year now and some people ask me like oh like what are your favorite restaurants in the new city you live and I'm kind of like oh I don't really try a ton because I kind of save that money to then eat out when I travel and do other experiences so it really just depends and then when it comes to like a a week or weekend trip if I can drive there that's what I'm going to do just to save some money there so it's all about kind of like saving money leading up to the trip so that way when I'm there I don't have to think so much about you know like oh should I really spend this much it's like well I've been saving for a month now for this trip so I want to spend that money on this experience that I can only get in this city sure yeah saving up when you're back home and yeah splurging when you take that vacation yeah that's kind of how I balance it that's a good point you're bring up and it's it's interesting because we learn that same thing I think the pandemic brought out a lot of people actually going out and exploring their own backyard because for a while like we have like some air Bean bees and people would ask us like oh the best places to eat at and things to do in the area and we'd be like yeah we'd actually never we'd be recommending things but we're like we actually haven't done these things before we spent like one day a couple years ago and just did everything we could in Mystic and it was like like this is such a fun you know such a fun time I remember you worked at a at a shop in one of the in the village and like people were coming in who've lived in this area for like their entire life and they're like I never knew this was here you know once you know there's a shutdown and people are forced to stay home and stay in their hometowns then they get out and explore but yeah it is funny how like little we knew about our hometown until we were like we should probably know more about this yeah no that actually that reminds me of something I saw on Instagram a couple weeks ago and it was this guy I think he was in Switzerland and he was at a bar and the guy next to him was like oh yeah like I'm a local here and he's like oh well tell me all the cool stuff to see and the Local's like no you want to talk to all the tourists at that table because they've done their research they know what to do it's like we're always bad that bad about being tourists in our own town but that's just funny you know that that happens so when you are staying is it air BNB Hotel how does that look mostly hotels um I guess my in September I did stay in Airbnb because we were there for a week and there was six of us we wanted a little bit more space a kitchen and everything but I would say you know if it's like a short trip four days or less I'm I usually do a hotel um but longer I think Airbnb works out best and how many trips a year are you taking I think well I guess I'll think I'll talk about this year because I feel like I got all my trips like in my brain now for this year it's might be like every month to two months which is exciting I'm excited for this year because I'm going to go finally back to Europe because I haven't been since the study abroad that'll be my honeymoon trip so I'm very excited about that so it'll be a big year of travel for me awesome awesome what are some money-saving travel tips you've discovered along the way I love trying to fly during the weekday that really saves a lot I always like looking at Google flights like I love tracking flight prices too to make sure I'm getting the best deal um I also do have a travel card that helps me a lot I earn a lot of miles on that so that helps pay for flights um but yeah I would say just I I really that's probably my number one thing is I really try and save leading up to the trip and that way when I'm there I don't have to worry so much about you know my budget while I'm experiencing what I want to experience yeah so true which travel car do you have I have the Delta AMX card does that get you into the lounges well you know they they changed that rule so I think I was leading up to I think I had to get so many miles and then I could get in but now I don't know they changed the rules and I'm like okay whatever like yeah that's like something we just or I think you had known about it but I just discovered it like you walk in the airports and you see these lounges and I've never thought twice about it but apparently if you have the right card you can just you know get in there and do your work and it seems like the perfect opportunity for someone who is traveling you know fulltime or you know they're away for a while and they just want to get some work done like some of these places have like free food showers it's like you have to be travel obviously but you could get there like half you know half a day early and crank out some work super nice if you have a long layover actually now that we're talking about it I think it might be I have to pay like a certain fee like maybe $50 but I think that includes your food while you're there too so yeah I forget but I know they just changed that rule so it's like people were all upset about that so I was like okay maybe I won't be getting into those lounges but oh well so you don't have kids but you do have two dogs right yep so what would you say to someone who wants to travel but has pets and are worth that's too much of a commitment what would you tell them how do you manage it yeah so I have a couple points on this so first of all yeah I do have two dogs so it can be a little bit bit of a barrier when I'm trying to travel it makes it a little bit harder to do last minute trips because who's going to watch the dogs you know they can't just be home alone um so first of all thankfully we do have family that are so obsessed with our dogs that they'll be like yeah like we'll take them and they get so excited so sometimes they stay with them but also I don't always just want to like dump our dogs on our family you know everyone has busy schedules too so we do board them as well and I feel like just dog boarding has really come a long way in the past couple of years like I remember as a kid when we used to board our dog she didn't really like it because she was just like in a kennel all day but these dog boarding places are like little mini Resorts now they have doggy playtime and like they get like walks and everything so I'm like okay I'm basically taking my dog on vacation while I while I go on vacation so that's really nice too um and then I'll also say like we like to take our dogs when we can um travel especially when we go to Northern Michigan we definitely bring our dogs along and I think they have more fun than us when we go honestly like they love being up there so there's I feel like there's a lot of opportunity nowadays to take your pets with you my my fiance and I just took a trip to Chicago not too long ago and when I was looking up hotels I swear all of them were like dog friendly and I feel like you wouldn't have seen that like five years ago like I don't know I was like wow like all these places are dog friendly not that we were planning on bringing our dogs but it was nice to know that that is an option nowadays so definitely just like do your research there's really cool places you can take your pets with you one word of caution I will just mention because we just took a trip to Florida and we had our dog scheduled to do the daycare we were boarding them and we got a message like I don't know like a week before and they told us that the puppy Co Kettle cough was going around we ended up having someone that just we paid her to stay at her house so there's always fallback plans like Rover um there's different things you can do too so I guess the word of advice would be to just have some sort of fallback plan and they do get pretty pricey right how much typically are you spending to have your dog be boarded we've been because we've moved around a lot in Michigan so we've seen a lot of different um kennels and they can be pricey some of them have been $50 per dog so when you have two dogs that adds up a lot um but sometimes they give a discount on the second dog which is nice but our recent kennel that we just found um really comes out to $30 per day for dog so that's way more reasonable so you just have to kind of do your research I feel like dog doggy daycares and kennels are popping up everywhere so just do your research and you might be able to find one that's not too expensive but again if it is maybe you just take a shorter trip so you can kind of balance out that yeah 30 bucks they must not have the balcony and the hot tub in their sweet for that price right all right awesome we'll transition we'll start wrapping up a little bit here what has been the coolest experience you've had while traveling so that is such a hard question because I feel like oh my gosh there's so many I could choose from but I think the one I want to talk about is a recent one I've had so in September of 2023 I went to bamp National Park which is like in the heart of the Canadian rocky and it was our first day there and we had signed up for horseback riding and we were riding these horses literally through the mountains I mean you couldn't have pictured a more beautiful place and I'm on a horse I feel like I'm living the cowgirl dream and it's like it was like a pinch me moment like this can't be real the beauty and just the experience was just like so awe inspiring and it was like that moment I was like yep I'm in love with this place like this place is so cool and just to like kind of do an Excursion instead of just like hiking the trails being on a horse was like really really really cool so let me ask you this and I think I know what the answer is going to be but would that experience be a contender if there were no horses involved do you think well I think it would still I mean maybe because it was also my first day so I was just still like whoa like with these mountains cuz I I'd never seen mountains like that before and the lakes and we even walk the horse through like a river so I was like oh my gosh like this is so cool I felt and also at the time I was watching Yellowstone which is like a huge like cowboy show so I was like okay like I am totally living living the dream right now but yeah just it was like one of those like Pinch Me moments for sure yeah I guess I asked that because we had a similar experience we did Cody Wyoming we went horseback riding completely different terrain it was red rock and we were in the in the woods but yeah if we had hiked it it wouldn't have been the same as just you know going I me we don't ride horses regularly that was like I don't know your first time right riding a horse and I think like my third time so just doing that just makes it so I guess my advice would be if you're looking to do something like this and there's like a horse back riding option available for the family look into it it's GNA be something your children your guys are going to remember for a long time it's it makes that moment just that much more special yeah I totally agree with that I mean it would have been cool on foot as much but like to be on the horse and I it's just a different experience and just added added a little something extra to it yeah everything you shared from that looked amazing and I think every single person that probably saw your post were like okay that's got to be a a bucket list travel next year so you've been traveling pretty much your entire life what is one thing you've learned that you can't live without while you're traveling and one thing you learned that you don't need okay so things I can't live without I have to mention two things first has to do all with packing because I love packing I love like I feel like that's just as exciting as going on a trip it gets me so excited to go and once I discovered packing cubes I swear it changed the packing game for me I just love it because it organizes your stuff I swear you can pack more stuff with them because it kind of like compresses it and I feel like it just makes traveling so much easier and again more organized especially let's say you're going to Europe and you're doing a couple countries in one trip just like kind of having everything in one spot is so nice and then the second thing I have learned is you always always should wear good comfortable shoes because nothing ruins a trip than blisters or sore feet like I I tell you just find the most comfortable shoes you can wear because whether you're going to the theme parks out on a hike or walking the streets of Europe like you should have good shoes it's going to like make your trip so much better and then the thing I realize that I can live without I feel like I I've learned that you know you don't have to have a new outfit every day of your trip I feel like for girls or anyone on Instagram like we always get this pressure to be like okay like we have to like pack all these things so that we have the best trip and the best photos but that's not really what it's about like I feel like I used to get into that like mindset that it's like oh I should you know have the perfect outfit for this perfect photo or whatever but you know what be an outfit repeater it's cool to do no one really cares and just it's that's not about what travel is travel is being there in the moment yeah such good advice now do you have any recommendations on shoes oh yeah um okay so one pair of shoes I love is called All Birds they are extremely comfortable shoes I love them I've worn them on so many trips and then the second pair of shoe that I've recently discovered are vessie shoes and what's really cool about them is they are 100% waterproof but they're like a tennis shoe and they're knit material so it still like gives you that nice comfortable tennis shoe feel but I mean I I can dump a bucket of water on them and water is not going to get through so I've worn those to Disney World in Orlando where it can rain at any moment and then I did wear them to bamp just because I wasn't sure and honestly they were great hiking shoes too I kind of had like this tennis shoe boot style from them and I love those shoes they're just so comfortable so those definitely those two Brands I really recommend we fit an insane amount of things in our van that I thought was not going to fit and then somehow she stuffed everything in the cube and we had like room to spare so packing cubes invest in your Footwear and it's kind of similar like an analogy is like your mattress you spend a lot of time sleeping you spend a lot of time on your feet know Splurge there because your body's going to thank you you know 20 30 years down the road you've been traveling your entire life did you have any YouTube or other influencers that influenced you to travel or maybe people have recommended books too yeah I think really I dove into the whole YouTube travel Community um especially during 2020 cuz all I wanted to do was go somewhere and I couldn't so like that was my escapism was to just like watch people go on trips um on YouTube so I would say a lot of those were Disney YouTubes because I was just missing Disney World so I watched um Disney food blog is a great Channel they have so many great tips on Disney World um there's another she's also like life style but Rogan Tate on YouTube is awesome she does a lot of travel um in Europe and also to Disney park so those are like two that I love to watch and just give a lot of tips from so we'll link those channels in the show notes below and while our audience is checking out those channels where can they find out more about you yeah so I am on Instagram and YouTube both erica. Adventures AA spelled e r i c Ka um and yeah that's where you can find me I have travel Vlogs a little bit of Lifestyle Vlogs too on my YouTube channel and a lot of travel content on my Instagram great Erica thank you for coming on thank you so much for having me this was so much fun

Purple Pants Podcast | First Come, First Served Welcome to this week's Purple Pants Podcast! Join @briceizyah and @Jtiaphd as they break down episode eleven of Bravo's ‘The Real Housewives of Potomac.' Get ready for a deep dive into GNA, Karen's grandmother's home, Nneka vs Wendy, and so much more! Don't miss out on this […]

Purple Pants Podcast | First Come, First Served Welcome to this week's Purple Pants Podcast! Join @briceizyah and @Jtiaphd as they break down episode eleven of Bravo's ‘The Real Housewives of Potomac.' Get ready for a deep dive into GNA, Karen's grandmother's home, Nneka vs Wendy, and so much more! Don't miss out on this […]

Purple Pants Podcast | First Come, First Served Welcome to this week's Purple Pants Podcast! Join @briceizyah and @Jtiaphd as they break down episode eleven of Bravo's ‘The Real Housewives of Potomac.' Get ready for a deep dive into GNA, Karen's grandmother's home, Nneka vs Wendy, and so much more! Don't miss out on this week's RHOP Recap. You can also watch along on Brice Izyah's YouTube channel to watch us break it all down. https://youtube.com/channel/UCFlglGPPamVHaNAb0tL_s7g Learn more about your ad choices. Visit megaphone.fm/adchoices

Purple Pants Podcast | First Come, First Served Welcome to this week's Purple Pants Podcast! Join @briceizyah and @Jtiaphd as they break down episode eleven of Bravo's ‘The Real Housewives of Potomac.' Get ready for a deep dive into GNA, Karen's grandmother's home, Nneka vs Wendy, and so much more! Don't miss out on this […]

www.atravelpath.com   00:00 Intro 01:06 Studying abroad in Rome 04:48 Have you always wanted to travel? 05:44 How were you able to get a job so you could travel so much? 07:20 Does remote work mean you are always “on call?” 08:12 What are the biggest frustrations you find with travel? 10:10 What makes Disney so special to you? 11:15 What does your travel budget look like? 13:50 What types of places are you staying in? 14:45 What are some money saving travel tips? 15:15 Delta AmEx card 16:30 Traveling with dogs 19:40 What has been your coolest travel experience? 22:00 What can't you live without while traveling? 23:13 What have you learned you don't need while traveling? 23:56 Shoe recommendations 25:09 Travel influencers   We had a fun time talking with Ericka from Ericka's Adventures today! In this episode you can expect to hear all about how:   ✈️Her study abroad in Rome

We're back! After a year long hiatus Cecil has resurrected the GNA back to life with a helping hand from some old timers. The crew gets deep for a little bit as they touch on their journeys for the past year. Come join Erin, Zyber and Cecil as they fire up the new year with some laughs!.

www.atravelpath.com   00:00 Introduction 07:10 How do claims and damages work? 12:26 How often are your clients calling and texting you? 14:55 What are the biggest frustrations with renting your RVs? 14:30 How many people do you need to manage 37 RV rentals? 18:00 How many RVs did it take to turn your side hustle to a business? 19:00 How much time and money is involved in a turnover? 10:30 Do you have a home base for dumping and refilling? 21:27 What do you provide your renters with? 26:14 Do you only have camper trailers? 26:58 What is the difference between Class A, B, C, and trailer RVs? 28:32 Where do you keep your RVs? 29:05 Have you dealt with DigiSure? 33:45 What is your worst renter experience so far?   Luis and Robyn Website and Social: Bout that RV Life - YouTube WELCOME (lrvaldezrentals.com) Luis R Valdez (@boutthatrvlife) • Instagram photos and videos Log in | TikTok Boutthatrvlife (@Boutthatrvlife1) / X (twitter.com)  Core Sports Cards and Collectables   Do you have an RV parked at your house that is costing you money? Are you looking for a new way to make some extra income? In today's episode, Luis and Robin share how they turned their unused RV into a full time business. Hear all about:  

www.atravelpath.com   Adrian and Ruth Social: LIFE MEDIA PRODUCTIONS (rvlifeproductions.com) RV Life with Adrian & Ruth - YouTube RV lifeWithadrianruth (@rvlifewithadrianruth) • Instagram photos and videos Adrian and Ruth (@rvlifewithadrianruth) | TikTok So You Wanna GoFull Time RV NOW WHAT live series - YouTube Ruth • RV Life • Esthetician (@thervesthetician) • Instagram photos and videos   In today's show, Adrian and Ruth from RV Life with Adrian and Ruth join us to discuss their full time RV life. In this episode you'll hear all about:

www.atravelpath.com Bronderlust: https://www.instagram.com/bronderlust/ https://www.tiktok.com/@bronderlust   What  show!