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In this episode, join Paul Mort and Head Chef at Restaurant Gordan Ramsey, Chef Matt Abé. Matt has climbed the ranks of the kitchen from a young, hungry chef in Australia to running one of Londons most sought after fine dining spots... Here's what we covered; The Importance of attention to detail, Where Matt found his passion for food, What it's like being head chef serving 700+ dishes per day, Dealing with high-level stress day in, day out and the importance of keeping health in-check to reach peak performance And much more... For show notes, updates and free stuff.. don't forget to subscribe to the podcast AND head on over to http://paulmort.uk

Matt Gouge has spent 5 years in direct lending before making a switch to Independent Mortgage Broker in 2018. As an Independent Mortgage broker he takes private advising to the wide variety of clients with diverse needs. Matt`s background Entering the Mortgage business Matt's first investment Business Overview during the 08-09 recession How to grow a real estate business Interest rates and inflation Where Matt is looking for deals Building a team Real estate marketing Investment outlook Mentorship, Resources and Lessons Learned Useful links: https://www.youtube.com/channel/UCq2XM1Q4PXs-msULABdk2Yw https://mattthemortgageguy.com Transcriptions: Jesse (0s): Welcome to the working capital real estate podcast. My name is Jesse Fragale. And on this show, we discuss all things real estate with investors and experts in a variety of industries that impact real estate. Whether you're looking at your first investment or raising your first fund, join me and let's build that portfolio one square foot at a time. Ladies and gentlemen, welcome to working capital the real estate podcast. My name is Jesper galley and my special guest today is Matt. Matt has spent five years in direct lending before making the switch to independent mortgage broker in 2018 as an independent mortgage broker.  He takes pride in advising a wide variety of clients with diverse needs as to which lender and loan product is right for them. So today we're going to be talking about all things, investing, all things, mortgages, Matt, how's it going? Oh, it's going great. How are you doing Jesse? I'm doing great, man. The sun is out. It's a beautiful day down here. How's it up in Sacramento, same, same thing.  Matt (56s): And I get this when I record something on YouTube or court's on anywhere. They're like you're in California where it's hot and you're wearing a jacket inside my office freezing cold. So it's, it's 66 in my office, but outside it's, it's probably mid eighties. That'll get to see out that often with as busy as mortgage has been these last few years, but I assure you it's, it's sunny in California still.  Jesse (1m 16s): Yeah, well, it's a pretty topical to be talking mortgages right now. I think over the last few podcasts and just in general, you know, everything has been spotlight on where interest rates are at inflation, you know, the impact of this stimulus. And I'm sure you're seeing a ton of volume right now just given the fact that there's so much capital out there,  Matt (1m 35s): Right? Yeah. There's so much capital and there's so much demand for real estate. That's what people don't realize is like sure. We have a supply problem where, you know, the supply demand imbalance causes this run-up in real estate. You know, you've got viewers that are in Canada, they're seeing similar stuff, but in the United States, we've got price appreciation of 15, 17% sure that, that we need more supply and not enough was built in last 10 years, but nobody's really talking about the fact that like we're on pace to have 7 million sales in 2021, which is like a 20% uptick from previous years when the average year sees about five and a half million sales.  So plenty of demand, I'm surely not lacking in, in business or incoming, you know, loan applications.  Jesse (2m 15s): Yeah, absolutely. Well, I can't remember which guests we had on and put said, there's always that conundrum or that thing in real estate when there's a lot of capital out there, it's just seems, seems like deals are harder and harder to find. And when there isn't, it seems like there's a value deal everywhere. So I think we're definitely in the former right now, trying to find good deals is becoming harder and harder to do. But, you know, from your vantage point, maybe we could take a step back and, you know, how did you get into real estate, the mortgage business? Give us a little bit of a, of the background.    Matt (2m 42s): Sure. I mean, a quick snapshot of, of where, where I've been and what I've done is is I graduated college in 2005 with international business and finance degree. And so I've had a finance background, always been a numbers nerd. Since I was a kid, I used to, you know, tally the groceries as they came into the cart. And if I got it wrong, adding tax, I would cry. And that's the famous story my mom told. So since, since I've been a kid, I've been a numbers, nerd got a finance degree, actually went and ran a small business from graduating till about 2013 and then a small stint in 2013, working for the state of California, doing more finance stuff.    But it just wasn't my cup of tea had friends and mortgage that said, Matt, you know, you've got the numbers, you've got the work ethic, you've got the, the networking and all the stuff that would make a good mortgage professional. You should come do mortgage. And I did. And the rest is history. And, and so into, you know, my foray into mortgage, like other professions you get to see inside of what other people are doing. You know, you get to see inside finances and you sort of learn a little bit about finance. You get to see inside, wow, this guy has got 14 rental properties. That seems kind of cool.    This guy's live in a pretty cool life. And so that I think is what turned me on to, it was just seeing through my mortgage business, what, what investors were doing. And so like so many people, I'm sure you, you, you click onto a bigger pockets podcast, you read a book or two, and you're just like, wow, this is really, really cool. The, the crazy part is, is when I'm talking to investors now in 2021, I'm trying to get them to avoid what I did is literally like, listen, talk about, get excited about everything, but take action. Right? And it's because it was like 2017 before I actually started buying property.    And, and so when I did start buying property and I, and I, and I put together a couple of deals, bought a few fourplexes, a few single families, then it was not just like an idea like, oh, you could get cashflow and you can look at your net worth statement and see the principal pay down and see how things appreciate over time and all the benefits of real estate that, you know, on paper, on a book, in a book, on a podcast, sound great. Then you experienced it in real life for yourself. That I feel like I talk about it different.    Now, when I talk to clients about the power of real estate and all the benefits of real estate, I can use myself as, as a case study or the hundreds of people that I've now worked with that have built wealth one way or another through, through real estate and real estate investing    Jesse (5m 13s): Right on. That's pretty cool. And you know, it's not as a similar story we hear from, and I'm sure you've heard from accountants lawyers where they're like they see a portfolio or a client list where they're like, there's a lot of these wealthy people owning real estate or investing in real estate. So Matt, what was the, you mentioned fourplex, single family. What was the first investment that in 2017 that you made? Well, the first    Matt (5m 33s): One was actually an out-of-state rental and I I've got a video on my YouTube. My YouTube is just Matt, the mortgage guy where    Jesse (5m 41s): Checking that out. I've got a lot of traffic up there. Thanks.    Matt (5m 45s): Yeah, it's, it's, it's been picking up some steam and it's been over the years, just, I get commonly asked questions and I, I basically make videos answering questions. And, and if, if five or six clients asked me the same question a month, my guess is that, you know, nationwide or worldwide, other people have those same questions. And so I made a video, please try to avoid my mistakes when investing at a state. And so like other stories I've heard my first investing experience, wasn't that good. I bought something out of state because in my mind, and being a numbers guy, I thought to myself, you know, this low price point, this, you know, rent per month, this thing's going to be 22% return, 23% return.    What could go wrong? Well, when you're buying stuff, that's in a war zone, you're going to have bad tenants. You're going to have repairs. You're going to have all the nasty stuff, which I've, I've learned. I don't want to deal with not saying that out-of-state real estate real estate doesn't work. Cause I know tons of people that have done it successfully. They've just done it differently than me. If they've done their due diligence, which was mistake. Number one on my part, they've got boots on the ground and professionals that they like and trust in the area they're investing in.    A lot of times they're doing it at scale. So it's not just one property. They've got eight or 10. And so that was 2017. And then my, my other single family rental from 2017 was another common story. I see. And really how I kind of advise my clients to get into real estate investing. I moved out of my primary and bought a new one and kept my old one. And so my old primary became an investment property, not a home run, but it's cool to be able to show people, not just, you know, random figures and say, you know, here's how real estate investing works, but here's me.    I moved out of this thing. If you thought about it, it's going to rent for 2200. Here's the mortgage. It doesn't sound that attractive. But if I show him a 10 year, 15, 20 year horizon and they're working for the state, they're grinding away for, what's going to be, you know, their retirement 30 years from now, I show them like, look at how cool this is. I'm going to get paid a couple hundred dollars a month on this investment. That's an increase in value. You know, even if we only see 3% appreciation on average, which is really conservative for California, you know, this, thing's going to add a half, a million, three quarters of a million to my net worth and then be cashflow positive $2,000 a month.    Once it's paid off. And I'm just doing tax and insurance, like that's cool stuff to show somebody who doesn't know anything about real estate. And it's an easy way to say, could you save up 5% to buy a new primary and have this old one, be your first investment property and then get that, you know, where different parts of the country are different than if I talked about, you know, a half, a million or 700.    Speaker 2 (8m 31s): Yeah. That was in and in equity. People are just like, not here in, in Ohio where I'm at, but    Matt (8m 38s): You know, it's, it's, it's going to be different, different places, but that stuff, it's not rocket science. I don't feel like it's something that's, you know, a super complicated formula other people can follow. And that was my first one. Yeah. And for a lot of people, if you did nothing else, but that, and then maybe buy another or two every Wednesday, I'm on a one rental at a time, a buddy of mine who, who his book that he wrote. And his whole thing is like, try to get to four rentals and four rentals will change your life.    And so a lot of people I talked to that's, that's at least a start, right? Not everybody wants to own 150 units. Not everybody wants to build this humongous empire, but you know, if you, if you have a few rental properties, imagine the folks that just grind their life away for 40 years and then get 36, 24 a month for the rest of their life. You know?    Jesse (9m 33s): Yeah. I think ultimately, you know, even at one or two rental properties, like you said, not everybody wants to own hundreds or thousands of units passive, you know, you're in this game long enough, passive income is not so passive there. There's still, you know, you, you make a decision at a certain point, are you going to start a real estate business? Or are you going to try to make it as hands-off as possible? But one or two properties for a lot of people would rival their 401ks, their retirement savings plans, whatever they have there. Because like you said, you're, you know, you have that appreciation and then you can get into the forced depreciation, depending if you're going commercial, residential.    And on that note, so you got oh five to 2017 and 20 2005 is when you graduated. Did you get into the business? Were you in, were you in the business during 8 0 9 and not like during the recession and deal with, with hap what was happening during that time? Well, I had bought    Matt (10m 24s): My primary in oh six and the small business I was running was a poker room. And so I got to do a ton of great networking right through the poker room. And I had plenty of buddies who, you know, like me were in their mid twenties, starting off, everybody's doing something different. I had plenty of clients, plenty of friends, plenty of family that were all into mortgage and just having a finance background, you know, it interests me. And so I had talked to them. I wasn't actively involved with writing mortgage or anything like that, but I definitely saw a lot of it.    A funny story that I don't tell that often is when I came back, I went and studied abroad in Mexico in oh three and oh four. When I came back, I interviewed at a mortgage company and this was, you know, subprime and AmeriQuest and just injuries. Yeah. Crazy stuff going on. And this company, I went there and I'm like super excited. I'm 24 years old. I'm about to graduate from college. I feel like I've got a good handle on business and, and marketing. And, you know, I've always had good work ethic.    They asked me if I would be willing to like forge documents or they asked me if I'd be like, would I be willing to do, to, to make a deal close? And basically none of it, I said, you know, I'm bilingual. And I live in California, I work hard and I've got some, some business sense. I think that without cheating, I would do fine. And they basically told me I wasn't for them. Right. So no surprise a company like that went out of business, but looking, I think it's cool because I never was involved in writing any of these mortgages that people, you know, look back on and talk about like how terrible of a product, some of these, you know, two 20 eights and interest only arms and whatnot were.    And, and so, you know, having not wrote a alone until 2013, I've only wrote the vast majority 30 year fixed no prepayment penalties and, and really clean loans. Like we've seen since all of a sudden destruction    Jesse (12m 26s): Since the recession. Yeah. So I mean, crazy time, obviously, you know, they've made movies about it. They've people have gone gotten sued, gone to jail now after this time. So why don't we go on to that 30 year fixed, but Canadians will be like, w what the hell is this? This is not a product we have five years is our max for residential in terms of actually fixing rates. But why don't we talk about, we break it up into residential and commercial. So you're looking for single family property.    Why don't we start with that? People that are listening and maybe they have one, a rental property, maybe they're buying their first rental property. It, it is on the single-family side. What do they do once they, you know, they spot a pro property that they like and they're underwriting it. Sure.    Matt (13m 15s): I mean, for most people to, like you said, if, if they're buying their first rental property, they'll reach out to me and say, how do I qualify for rental property? Is it different? It's fairly similar to how you qualify for your primary residence. It's going to be a debt to income ratio thing. So it's, so it's all math on the income side, you vet your income and then debt side, you've got your current mortgage, you've got the new mortgage, you've got whatever car payments, student loans on that. And you just have to have the debt to income ratio work where your income versus all the debts, you know, 45% is probably a good, you know, rough figure.    Some programs go a little higher. Some might even be a little bit stricter depending on your credit score. You may or may not get approved higher or lower, but, but that's the basics of it is that, you know, you're going to have to have verifiable income, unfortunately, through COVID folks that are self-employed are having a little bit harder time. A lot of them that I've seen, you know, business declined in 2020. And that's, that's something that I would love to have a better mortgage products available for self-employed borrowers.    Unfortunately in the, you know, Fannie Freddie, conventional world, there's just not, and it's, and it's something that lenders look at as, you know, variable or uncertain. And so you really have to have a track record as, as a, as a self-employed borrower, because the lenders don't know any other way to look at, like, what, what do I think your future income is going to be? Well, what you made in 19 and 20, and then your year to date P and L and 21. That's the only thing we go off we'll those 30 months and divide them by 30. And that's what we think you're going to make in the future.    And    Jesse (14m 56s): I think, you know, to that point, and like you said, it's, if you're in a different area, different banks, you know, we call it the, the total debt service or the, the, you know, the gross debt service, your TDS and GDS racials. But like you said, 45%. I know in my area, 35%, we're pretty conservative up here is, is fairly standard. May be pushed to 40. But yeah, I think on the self-employed side, it's so funny, you mentioned that because I was just talking to a colleague in the industry, it does commercial mortgages. And he was saying that basically, they're almost creating a product or adjusting, basically making an adjustment for 2020 income.    You know, especially if you're self-employed for a long enough time, they see, you know, a steady increase or, or, you know, stasis, and then 2020, you know, came back and then 2020 started picking up again. So it's like, well, if we lose, if we use your last two, it's not really a good picture of what, of what you're, you're really making out there. Exactly.    Matt (15m 50s): Yeah. And I've been telling self-employed borrowers that like stay tuned because mortgage guidelines change. Unfortunately they don't change fast enough sometimes for you, but in, you know, in an ideal world, it would be, make sense where, like you said, I could look back at the track record, you had a blip and you were out of work for three months, maybe your state shut down or whatever it was. And now you're back, you know, full bore. But you know, the guidelines that are in place right now are, are to be completely honest, fairly restrictive for self-employed borrowers. You can just got to have a business that has weather the storm and can show that on paper.    Right. Because that's, that's another part about being self-employed is that you could have a business that has a $2 million top line. If your bottom line is 24 grand, you're not going to be able to buy a half a million dollar house. Yeah,    Jesse (16m 39s): Absolutely. So, okay. On the residential side, what are you seeing in terms of, you know, the average client, you have percentage payment that they're able to achieve and what, at what point can you not stay within the residential, you know, mortgage product and you have to go into commercial, I assume that'd be a unit count. Right?    Matt (16m 60s): Exactly. And so that's, my, my lane is one to four unit residential stuff. Once you get to five units and above it's going to be commercial. And so literally all the business I write is going to be a single family, a duplex or triplex or a fourplex. And, you know, even if it looks really similar to a fourplex down the street, if you've got a five unit building, I just can't finance it. And, and so you gotta look for commercial financing and, and the main difference, you've probably talked about this in the past, being in commercial is that, you know, when you're looking at a commercial asset, they're looking at the building and they're looking at it's producing this much income.    If you're buying a four unit property, if it rents for a zillion dollars and your mortgage payment is 3000 a month, that isn't necessarily what the lender is looking at. They're looking at your ability to repay. And so somebody who's got $200,000 a year in W2, income is going to qualify no matter what, you know, the building could be a net loser. And so that's, that's something important to think about for people that are looking for residential properties. And another reason when I'm coaching investors or I'm talking to investors about qualifying for mortgages, and the fact that you can only do 10 conventional loans, is that if you've got a great W2 income and your plan is to, you know, leave that job, but build a rental portfolio, as long as you want to get this cream of the crop financing, where you're getting, you know, 3% on single family and sub 4% on the multi-family on a 30 year fixed rate term, keep that W2 jobs, you can qualify for those because once you quit that job, it's, it's highly unlikely that you're going to have enough net rental income on your tax return to qualify for those same sweet, sweet, conventional Fannie Freddie loans.    Jesse (18m 49s): I'm curious the, the 10 property limit. I, you know, I've heard that thrown around a bunch of times. Do you know what the actual, first of all, what the logic of that is, or the history is, is it just something that has always been done?    Matt (19m 3s): You know what, that's, that's an awesome question, dude. Like, I've never, I've never thought about the history or the logic behind that. Besides like, I know that some lenders have implemented stuff in the past where they don't let you know, some, some lenders aren't huge. And so they're smaller. And they'll say, I don't want more than four loans from one individual, even though they could do, you know, that person's ninth and 10th, if they already had eight finance properties. And so maybe it's something where, you know, a smaller lender or even a bigger lender, doesn't want to have 77 finance properties from one person.    If that person goes belly up, you know, it's, it's spread the risk for that one. That, that would be my only thought because, you know, if somebody qualifies. Yeah. And I guess in general, it's probably a higher risk if somebody has 47 finance properties. And so that, that, that could be the only thing is that yeah, that ship crashes, then, then it's, you know, $14 million worth of mortgages. Versus if they've only got a handful, then it's, it's less risk to the lender, but that's, that's a good one, dude.    I'm going to even take a note and see if I can find some history of like, when that started. And    Jesse (20m 15s): Yeah, I've always been curious because I've heard that before. And then usually I guess it, perhaps one of the reasons it doesn't get answers by the time you get to approaching 10, a lot of people are switching to commercial product. So it's almost like, you know, unless single family is literally your bread and butter. So in your lane, one to four units, are your clients, are you able to still have them put the properties into a corporation or LLC, or do being a residential mortgage?    I assume there's, it still comes with a personal that, you know, you're, you're personally still on the hook for the right,    Matt (20m 51s): Right. Yeah. Yeah. And that's the thing too, is a lot of people want to, you know, not like be personally liable for the debt and lenders just aren't going to lend to you. And, you know, you can, you can slap it into an LLC for liability protection and for a slip and fall at your property. But as far as like closing alone, most all traditional lenders are going to make you close in your personal name. You're personally liable. You know, they're pulling your credit, they're qualifying you as a person. And then I see investor slap at Nelsey just, just for the liability protection.    There are some like non QM lenders, which has a broker. You know, we broke her out, plenty of that, where we're doing non-traditional type loans, debt, service, coverage, ratio, loans, bank statement, loans, and those lenders can work outside of, you know, the, the regulations that are put on conventional loans where sometimes they'll allow you to, to actually fund the loan in, in an LLC. But it's really not that common. And I get the question quite a bit and I haven't dove in deep enough to find lenders that, that do that, do that very often.    Jesse (21m 59s): Yeah. I think on the commercial side, even, even on our side at the beginning, when you're getting into it, you're, you're personally indemnifying until you really build up, you know, actual assets within, within the company in terms of where we're at today. I mean, like we talked about a little bit the last year and a half has been kind of crazy. There's a lot of volume in terms of mortgages, what you're seeing. If we focus kind of macro economically interest rates, how are you advising clients? How is that impacting if at all, the way you're doing business in, in 2021,    Matt (22m 33s): As far as far as like where interest rates are headed or what I think about the housing market    Jesse (22m 37s): Or, well, number one we're interest rates are headed in. And do you have a strong view about that? I know, like you can have people on completely opposite sides of this, of this conversation that are both really intelligent and informed that have very different views of where they think interest rates are going. But yeah, I would just like to get your perspective on that and obviously, you know, that has a material impact impact on the, on the products that you offer, right?    Matt (23m 2s): Yeah. I mean, I think like when people ask me, cause that's a million dollar question for a mortgage broker, like what's your rate is the question number one, and what are rates doing? Where are they headed as question number two? And I mean, we've seen some volatility last week was, was the, the, the fed meeting where, where the fed talked about, you know, the, the future thought of, of moving the fed funds rate. And so people don't know, like in the U S the fed fund rate, it doesn't necessarily track the 30 year mortgages in the short term, but over the longterm, it certainly does.    And so just them talking about talking about the future of moving the fed funds rate saw a tick up in 30 year rates, probably like a quarter percent in, like, I think it, what was last Wednesday was the 16th, 16th, 17th, 18th were all red days for mortgage mortgage bonds. So it was like a quarter worse on those three days. And so I think that anybody who follows mortgage and mortgage rates knows that the fed who's buying over a hundred billion dollars a month in mortgage backed securities.    They're like keeping mortgage rates low in the U S once they start taking their foot off of that gas, or, you know, rates have nowhere to go, but up, I don't think that they're going to increase fast. So I wouldn't tell anybody like, you know, get it now hot. You've got to, you know, refinance today are going to miss out. But Morgan now that are really close to 3% on a 30 year fixed for the most well-qualified clients, if those are three and a half or 3.75, by the end of the year, I wouldn't be surprised if they're still at the same levels they're at today.    I would be surprised cause cause they they're going to gradually increase is kind of my thought. And like, if, if you look across like national association of realtors, mortgage, professional association, anybody who's got surveys on where they see mortgage rates by the end of 2021, it's higher. It's not a ton higher, but it's a little bit higher. And so what I'm seeing a ton of on this subject is people that have a bunch of equity because we've seen, you know, 30 plus percent appreciation over the last 24 months for a lot of people in a lot of places in the U S is people are grabbing that equity and they want that long-term 30 year fixed money.    A lot of people think that, you know, inflation isn't necessarily transitory and some of it is here to stay. So they want to hedge against inflation. They want to pull some of that equity out of their home. And the crazy part for me as an investor and dealing with so many investors is there's all this money and nowhere to put it, like, there's just, they're, they're looking for you, especially I think in, in residential real estate, because I'm not going to pretend like it's easy to find cash flowing deals or great deals out there.    You know, I'm looking, I'm submitting offers, I've got dozens of clients that are submitting offers and you know, even the ones that are playing the long-term don't need humongous returns are, you know, they're searching for six and 8% before they wouldn't even look, they wouldn't even think about that deal. And they can't even find that in some of the markets they're looking in. And so that'll be the interesting thing going forward is where are people going to find a place to park all this money? Because I know with absolute certainty, there's just so much capital looking for a place to park it, you know, in my little micro world of me and my mortgage clients, I've got people in the bay area that had paid off homes that just said, I'm going to pull out the 820 2003 75, park it on the sidelines.    I mean, clients that have seven 50 already sit in the bank, they're just doubling up because if something happens, if, if there's a deal to be had, I want to be ready.    Jesse (26m 45s): Yeah. Yeah. I think it's a, I think that's everywhere. I think people are any appreciation that they've built up, you know, and the products where you have, you know, different banks call them different things where you have a line of credit attached to the mortgage and you can actually utilize that when you see an opportunity, speaking of your markets. So you're in California, you're an investor. Number one. How do you do that? And where are you looking right now for deals    Matt (27m 12s): I'm looking, you know, with, with, with the experience I had at a state I've, you know, it's, it's good to be self-aware and you know, your strengths and weaknesses, the people that I see do it out of state have, you know, a tie to the city that they're investing in either. It's, you know, I've got family that lives there. I've got a real estate buddy who lives there and he helps me find the real estate. He knows the great property managers. He knows the great construction folks. I think my weakness for investing out of state is I just don't have the boots on the ground that I would want to have to make it a successful operation.    And so my general investing, I guess, philosophy is I want to be able to drive to it. And there's some markets that are three hours away, three and a half hours away in California. Some people think that I'm crazy because it's so tenant friendly in California, but there's, there's something about being able to drive, you know, meet a contractor, meet the property manager, look at the building, talk about the building. And so the neighborhoods that I'm looking at, I, I created a video that could send out to real estate agents who are working in the markets where I'm looking and, you know, I don't want stuff in eight neighborhoods because it's just, it's expensive.    It's just too expensive. And so, you know, the, the B minus C plus, if I could duplicate what I did in 2019 with the two fourplexes that we bought, I would do it 10 times over because those are, you know, appreciating their cash flowing. And I think when I looked at it last, it was like 16 or 18% cash on cash return after all expenses. And now after 24 months, I feel like I even have like a worst case scenario because obviously there was some tenants that were struggling and in these type of markets, these type of units I have that are mostly one ones, some, two ones and some three twos between those eight units in those two fourplexes, I would imagine expenses and vacancies would only improve in the future and not get worse.    But even with all that stuff considered, you know, a 14, 15% cash on cash return, now it's more expensive. And so I've adjusted accordingly and, and I've looked in other markets like Fresno, California, which is more central. And, you know, similarly it's, it's, it's a C plus B minus and you know, the homes are 50 years old, but I just, as, as a person, who's going to be continually bullish on real estate. People are always going to need a place to live.    And as crazy as people think that I'm home, like price appreciation for purchase has gone crazy. You should see some of the numbers for rentals around rental increase is, is gone crazy as well. And, you know, I don't think I'm ever going to have a thousand units. So if I have, you know, 50 spread across a couple of different California markets with really good property managers in place, I'm not worried about the tenant laws so much because in my experience at least, and it's maybe it's only been three to five years.    I haven't experienced the worst of the worst. You deal with tenants like they're human beings and you work with them and you're kind, I, I just, anything can be worked out. You know, I had some terrible tenants where we just had to say, I don't want an eviction to go on your record to where, you know, it's gonna affect you for the next seven years. If you can be out by next Friday, we'll forgive all the back rent and you won't have an eviction and then they're out. And then we clean it up and we move on. And, and that type of stuff I think is just to be expected.    And you just write it into when you're thinking about how something's going to perform. So I guess long-winded way of saying, I'm just looking for cash flowing stuff that, you know, appreciation would be kind of gravy, but thinking about 10, 15, 20 years from now, let's call it 50 units that are paid off. And when they're paid off, they're $500 per door or something like that, then    Jesse (31m 25s): What kind of mortgage broker says that    Matt (31m 28s): I know, well, that's the thing too is, is, is, you know, I'm human like everybody else. And I feel like when I talk to somebody, I try dig into like, what's where are you at in life? What are you trying to do? Certainly right now, I'm not trying to pay anything off. Yeah. And it's funny because I made a video talking about like fast ways to pay off your mortgage. And people are just like, okay, you're an idiot. It's a 3% mortgage. Why would you ever do that? I'm like, listen, I've literally like stopped any additional principal payments on all the stuff I own because I, I see what you see Mr.    YouTube.    Speaker 2 (32m 3s): Yeah.    Matt (32m 4s): Not trying to like throw that money at, at this long-term 3% debt, but, but things change. Right. And I think if I talk to a client who's 57 and you know, they've worked their behind off, and they're like, I'd love to have this stuff paid off at 62. It feels different for me and, and whatnot. Then I'm not going to tell them, don't do that because you know, the money versus, or the rate versus inflation, it's getting that money for free. Don't do that, sir. Like, you know, every everybody's different, so I'm not, I'm not tied to one belief. And I, and I honestly try to keep an open mind to not just like how I view things, but people in different stages of their life can view things.    Jesse (32m 42s): Yeah. I think it goes back to what you said before, even before the show, when you're talking about not everybody wants to have a, a thousand units and in the same breath, not everybody, you know, wants to maximize and be, you know, most efficient with every single dollar. They have, they, some people just rather the peace of mind that that's paid off, I feel better. You know, even, even if I know I can get a better technically return on equity or, you know, whatever it is. So in terms of, in terms of the actual market that you're looking at, these micro markets, you know, three hour drive, four hour drive, are you, do you have a team that, where you're going to look for these properties, because if it's anything like our market, you know, if you go on the MLS, you can pretty much forget it.    You're in there with 10 other people bidding on stuff. Are you seeing the same thing? And if so, how are you finding the deals? And what's, what's the marketing like?    Matt (33m 32s): Yeah. I mean, I don't have a huge marketing budget or team, right? Because truth be told I'm 95% focused on the mortgage business, serving clients and in a stage where my business is growing, you know, bonkers, but for the areas where I am looking, I tried to duplicate what I did in Sacramento and surrounding where it's just all network. And as a mortgage broker, I probably know 500 real estate agents.    And of those 500 real estate agents, 20 are active investors. Try to let them know I'm looking for stuff as well. I, I know through conversation with them, stuff that they're looking for, some of them are doing just flips. They don't care about a buy and hold. Something might come across, you know, them, that makes sense to me. And they would never even think about buying it. So getting clear with them about, Hey, here's what I'm looking for. If you find it, let me know. I probably have between two or three different markets and 40 to 50 different agents, eight or 10 deals coming across every week.    You know? And if I was trying to build those, trying to get huge, I could probably find a way to 10 X that and get a hundred deals to look at every single week. But I    Jesse (34m 44s): It's just not your full-time job. Right.    Matt (34m 46s): Right. Yeah. And so, so focused on the business and growing that, and then with those deals that I'm seeing, you know, writing one or two offers, but other investors I've talked to have had similar story as me where I've probably wrote a couple dozen offers with zero getting accepted. It's like, sure. I'm in the market to buy it. If a deal comes across my desk, I'm, I'm willing, able, and ready and I've fired. I just haven't hit anything yet.    Jesse (35m 15s): Yeah. And so it's almost sorry. Sorry to interrupt you there. Go ahead. No, go ahead. Go ahead. Yeah, no, I was going to say it's almost a, it can be a feature, not a bug where I know friends of mine that are putting offers literally this year on a hundred different properties, not getting many of them, but they have capital that they need to put to work. Whereas you can kind of do your full-time job, put a few offers in, you know, if the right comes along, you'll jump on it. But that makes you actually a bit more conservative in your underwriting because you don't have to, there's no pressure for you to do deals.    Matt (35m 46s): Right, right. Yeah. There's no money that needs to be deployed. You know, it's, it's, it's more just me itching, right?    Speaker 2 (35m 52s): It's like, gosh, somebody has got to get to work. I    Matt (35m 56s): Can't have it in a, in a one half of 1% yield savings or whatever that gets in for too long. Because then I feel like as I look at gas prices, as I look at everything going up in price, this, this, this money is withering away.    Jesse (36m 12s): Yeah. Right on. Well, before we get to a, we ask every guest like a final four question, bunch of softballs. I just want to get your take on the next few years investing. It sounds like single families, the space you're going to play in. Is there any interest in branching out to other areas, whether that's, you know, multi-family retail office, industrial, what what's on the horizon for you?    Matt (36m 36s): You know, I've looked at some office space and I've, I've, I've gone through like learning how to underwrite deals, which started as I'm going to buy an office in Sacramento. And if I'm gonna buy an office in Sacramento to do mortgage out of, I might as well buy something where I can lease out space to others. And you know, not just my mortgage business, leasing out space, but, but others in there, you know, paying myself.    And so, so that's something that, that I'd be interested in. Cause it was cool. I got into some underwriting and talks to people that know a lot more than I do. And it's cool to think about, oh, you can buy this $900,000 building, you know, put about a hundred thousand in upgrades, get it fully occupied. Now it's worth 1.5. Like that value add which to be, to be completely honest, as I looked at it, I thought to myself, like everyone I talk to is working from home. Why isn't commercial real estate on sale more than it is. Right.    And so that, that might be something, but, but I really, you know, have a strong tie to residential real estate and probably more of an in right where I just know so many people that I can be presented deals and, and be picky and choosy and add good stuff to the portfolio. So that's, that's more likely area where I'll play at. I looked at some apartment deals over the last couple of years and I guess I, I, I put in a few offers on, on a few different, like smaller, like 12 to 15 unit apartments, but nothing stuck.    So I think I'm open. I think that, you know, the entrepreneur entrepreneurial spirit, you know, lives, whether it's a commercial building and, and it's all with the same goal, really, it's just like freedom, like thinking about being able to take a month and, you know, take the kids and the wife to Europe and have cashflow coming in. I mean, over the last eight years, as I've grown this mortgage business, I've worked hard. And so, so thinking about, even if it's fairly passive, you know, like the Marysville stuff is one hour per month talking to the property manager, it's, it's, it's as passive as it gets.    And so adding more of that, you know, passive fairly passive income is pretty attractive when I think about it.    Jesse (38m 55s): Yeah, sure. I can definitely agree with you there. And echo just because office is, is my world on the broker agenda and yeah. Prices are sticky. You know, they don't like to lower their rents long-term leases. You think half of it would be on sale, but we'll see in the next year or two, see how things go. Obviously retail has taken, taken it on the chin to a certain extent. All right. So four questions we typically ask every guest, I'll lay them up if you're ready. Yes, sir. Let's do it.    All right, Matt, what's something, you know, now in your career that you wish you knew when you got started. Oh man.    Matt (39m 34s): Something I know now that I wish I knew when I got started, I wish I wish I knew what a great deal. What, what, how many great deals were around me? Right. It took me so long to pull the trigger. I wish somebody would have been like, Matt, just take action. Because this is what I tell investors do is I tell them, like, once you take action on the first property, you're gonna look back and go that wasn't that hard and you can do it again and again, and again and again. So if I could rewind to 2013 and be like that first couple times, that that, that idea got into your head where you saw a client that had investment real estate and you thought it was a good idea.    If you would have taken action then, and started that a little bit sooner, w there, we might be a, you know, three X where we are today, as far as real estate holdings.    Jesse (40m 17s): Yeah, absolutely. Zero to one. All right. Number two. Mentorship for the, for the younger people out there, or just your, your view of mentorship, has it, has it been a, a large part of your journey?    Matt (40m 29s): Oh, it's been so, so important. I think it was funny. I was talking to a guy who works for a bay area startup, where they basically do, you know, mentoring and coaching and all kinds of stuff in that space to C level executives. And I talked to him about, you know, personal coaching around real estate, around my mortgage business, around even life and family and whatnot. It's super vital. And my trick, when I talk to people about mortgage, like how did you go from zero to do on 125 million a year and 300 plus transactions?    I literally started and I did 27 deals. And I looked around and said, who's doing deals a year. I want to talk to them. I talked to them, how do you do it? What's your, you know, what are some best practices that you have? And I implemented some of that. And then when I got to 70 or 80 deals a year, I looked around and said, who's doing 150 deals a year. And you know, you'd be surprised at how many people who are rungs above you on whatever ladder it is. You're trying to climb that are happy to share, you know, their story, their structure, how they do things. And I continue to do it.    Now, I'm trying to find mortgage teams that do a $500 million a year and how the heck they structure that, how they manage their time, their team, their systems, all of that stuff like that, to me is the secret sauce. And so anybody who starting out in mortgage who's like looking for mentorship or really anything investing or whatever it is, you know, you look to people who are either where you want to be or headed and closer to where you want to be. And you do as much as you can to soak up some of that, get some of those best practices.    I've tried to do that for people who are newer in mortgage, my Monday Q and a on YouTube, I started doing 6:00 PM Pacific standard time, two hour question and answer. And at first I thought I was just speaking directly to consumers who were looking for a good mortgage advice. And we could just do a Q and a, rather than post a comment and wait two days to get a response. Let's do it live. I found out there was a ton of brand new loan officers. They were like, this is super informational. This is cool. I, I I'm learning so much. And so now I'm starting to invite new loan officers because that's, that's how you learn.    Just talk to somebody who's been doing it and is a little bit farther along the path that you're trying to walk down.    Jesse (42m 46s): Yeah, absolutely. Couldn't agree more with that. Or what is a, either in the past or now a resource that, that you find vital, you'd like listeners to know about resource that could be podcasts, YouTube channel book.    Matt (42m 59s): I mean, I think that I love books and I love audible. And so, you know, there might be some listeners that want to do commercial real estate. There might be some listeners that want to do residential real estate. There might be some that, you know, are hanging out and listening to this, but they want to lose 40 pounds, whatever your, your, your passion or your goal is. If, if you're spending your time listening to information, that's going to help you with that. It's so powerful. And I think that over the last few years, like my personal growth, I can attribute to the fact that, you know, I'm letting a lot of the good stuff get in.    I'm not spending my time. I couldn't tell you about all the cool Netflix series and stuff, but I can tell you about, you know, what's the guy's name that wrote winning Tim Grover, the guy who coached Jordan and Toby, you know, all, all the cool books that are out. I can tell you a lot more about those. And then the Netflix series that are out. And I think that, you know, that's, that's something that, you know, it, we live in a great time. In 2021, you could literally go on YouTube and learn anything you want. You could find a podcast on anything you're interested in.    You could find an audible book on somebody who's wrote on a subject that you want to learn more about. Plug yourself into that stuff and watch yourself grow by a half an inch every day in a few years, you'll be, you know, it's, it's crazy how far you can come. Awesome,    Jesse (44m 24s): Man. I like it. All right. Last one. As listeners know my personal favorite, first car make and model.    Matt (44m 31s): Oh man. So 1996, my parents gave me their 1989 Oldsmobile Cutlass,    Speaker 3 (44m 42s): Kalai. Hatless elegant. I don't know how    Speaker 2 (44m 47s): It just, it seems so much    Matt (44m 49s): Older than it was, but the best part about it is, is I think I ended up buying myself a new car after that. But fast forward to 2003, I was going to go down to Mexico and study. And my parents were like, oh, if you want to take that old Cutlass Kelly, you can. So I drove myself from Northern California down to Southern California, across to Texas and down into like the middle of Mexico. Good at the row. It was like a 55 hour drive. And I had that old Cutlass that the top, the roof, like the stuff was falling down the car, must've been worth 500 bucks tops.    But I cruise that thing all over Mexico for 18 months. It was it's amazing.    Jesse (45m 26s): I feel like down there, it just be car now because the Cutlass is, they used to just put up that became such a hydraulic, just dubs on it, man. I remember that car he's at my uncle had one of those. Just, just like a, just a steel rectangle going down the street, but awesome. Sweet dude for listeners out there, aside from a Google search of your name, we'll put show links below. Where is the best place to, to go out, to reach to    Matt (45m 53s): You? Yeah. I mean, I think that I've hopefully done a pretty good job. A lot of people don't even know my last name is because I just brand myself as Matt, the mortgage guy. So if you go to Google and type in Matt in the mortgage guy, you're going to find tons of different stuff. Matt, the mortgage guy.com I'm on Instagram as math and mortgage guy CA which is California, not Canada. Sorry. I I'd love to have people check out math, the mortgage guy on YouTube. Cause I think that 450 plus videos, my main it's crazy.    My main thing has always been education. So, so ideally somebody who's looking for mortgage information, you can type in how to escrow accounts, work math, the mortgage guy. Why I get a supplemental tax, bill, math and mortgage guy, all the things that my clients have asked me, you might have a similar question and you type in that question, the math, the mortgage guy, check out the YouTube channel. If there's something that you don't see and you think it's a question that other people might be asking, go ahead and fire off a comment. I'm still it's getting to that point. I think man, with a hundred thousand views a month or something where I'm having trouble keeping up with answering every comment.    But I was, I was bragging like two months ago. Every single comment I respond to and every single comment is me personally responding to it. I got to spend like an hour and a half the other    Speaker 2 (47m 5s): Night. I'm like they just keep coming. That's crazy.    Jesse (47m 10s): My guest today has been Matt, the mortgage guy, Matt, thanks for being part of working capital. That was awesome. Thank you so much for listening to working capital the real estate podcast. I'm your host, Jesse for galley. If you liked the episode, head on to iTunes and leave us a five star review and share on social media, it really helps us out. If you have any questions, feel free to reach out to me on Instagram, Jesse F R a G a L E, have a good one. Take care. 

Matt Oliveira aka Molives is a skydiver, flight attendant for Southwest Airlines & recently author of his first book Break A Leg, Fix A Mind where he talks about his experience of recovery after a skydiving accident in October of 2020. He was born with Cystic Fibrosis and has not let this disease hold him back from living his best life. Topics : Halloween Skydiver weekend in Georgia that leads to Matt's accident Gearing up for his first night jump skydive & the challenges that come with it vs daytime Missing his land zone & going full speed into a shed Where Matt was in his life leading up to accident : Just moved out of LA to Florida for skydiving Navigating a break up to pursue a dream of being in the Red Bull Airforce Post surgery recovery provides an extended period of stillness for him Suicidal thoughts from wanting the pain to end Digging out of rocket bottom by self exploration and focusing on what he could control Excercising his demons with his uncle Manny Inspiration for writing his book Break A Leg, Fix A Mind was to help people get through dark times & to push people to be transparent with their feelings Finding our Vibe .5 Authenticity & personal happiness is the North Star Greatest lesson he's learned from battling Cystic Fibrosis : Make use of your time here Meditation brings him back to his true self Question he is trying to answer in his life : Am I happy? Area of his life he's putting more effort into : Finances First step to reaching our inner potential : Self awareness Challenge for the listeners : Ask yourself if you're happy? Why or why not?   Books mentioned in podcast  The Surrender Experiment Ego Is The Enemy Peace Is Every Step   Connect with Matt! Instagram : @Molivess YouTube : @Molives Website : VibePointFive.com Check out his book, Break A Leg, Fix A Mind Free E-Book Amazon   Sign up for my new Bearded Wisdom Newsletter! Support this podcast by donating $ via Venmo : @Bobbbaaaay You wanna help blow this podcast up? GREAT! Here's how: Leave a 5 star review on the podcast app with your hot take of the show Share out the episode on your IG story tagging me @Bobbbaaaay —- Follow The Bearded Man! Instagram : @Bobbbaaaay YouTube : @BobbyHobert Twitter : @Bobbbaaaay Website : ItsTheBeardedMan.com 

After a horror performance by the Saints, Charlie's ready to pack it in. We finally find out Where Matt's At and Brody Grundy delivers an inscrutable pocket profile.

Matt Skinner started as a general contractor and graduated into development and syndication in early 2000. When the market crashed, he found multifamily investing and has never looked back.  He loves that apartment ownership provides cash flow, tax benefits, and growth. In this episode, Matt shares why he thinks you should focus on one market and become an expert in it, and how doing so makes it easy to attract the capital you need.  Checkout: Raising Capital Without Rejection Full-Day Workshop (Online): https://investorattractionworkshop.com/ What you’ll learn in just 17 minutes from today’s episode: Discover how you can build a fortune in real estate even if you are just a high school graduate  Learn how to focus on the market and find deals on a regular basis and make money consistently with them  Discover one smart trick to attract capital partners with confidence and not with neediness  Resources/Links: Get your FREE Book and click here: https://dealmakersociety.com/book-dmm/  Topics Covered:  00:52 – Where Matt lives and invests right now  02:55 – From a construction worker to a real estate entrepreneur  07:00 – How to raise capital  10:06 – Great opportunities that COVID afforded him  12:32 – Attracting possible capital partners  14:39 – The book that tells you how he raised his first capital  Key Takeaways:  “I do most of my investing, I do have assets in California, we primarily do new development in here because if you can get your hands on a piece of land, you can build something way cheaper than you can buy it, the values are just so high, the price per square foot they sell for more than they cost to build.” – Matt Skinner  “With raising capital, there are rules, and there are regulations. And as long as you follow them, that’s not complicated, and it’s not hard, and you shouldn’t get yourself in hot water. I’d say the best thing to do is disclose everything and document everything. And I think you’ll be just fine.” – Matt Skinner  “My biggest advice is to focus on one market, master one market, and don’t even think about going to a second market until you know all the players. Investors want that they are investing with you because you are the expert.”  – Matt Skinner  “Master one market, and you’ll attract all the capital that you would ever need inside that market.”  – Matt Skinner  “If you’re focusing on the market, and you’re finding deals on a regular basis, you can sell those for a fee, you can sell those for a fee plus equity. Or you can syndicate it yourself, or maybe find a passive partner that wants to put up the money and let you run the show.” – Matt Skinner  “The key is to separate the acquisitions, real estate business from the capital-raising side of the business because capital raising is a full-time job. It can be depending on which capital you’re going to raise now, but really the key is treating them as two separate skill sets.” – Matt Skinner  “When you’re out raising capital, we call it prize framing: This deal is awesome, and we’d like to invite you to participate in it. I don’t need you; I don’t need your money. But I would like you to come in and win with us because we want to build a long-term relationship.”  – Matt Skinner  Connect with Matt Skinner:  dealmakersociety.com  YouTube  Facebook  LinkedIn  Connect with Dave Dubeau:  Property Profits Podcast  www.davedubeau.com  www.investorattractionworkshop.com  Facebook  LinkedIn  Enjoyed the Podcast?  Please subscribe on iTunes for updates 

A critical component of any cannabis cultivator’s business is establishing best practices around breeding plants. Here to tell us how to create thriving genetic nurseries is Matt Gaboury of House of Cultivar. Learn more at https://www.seattlecannabis.co/house-of-cultivar/  Key Takeaways: [1:04] An inside look at House of Cultivar, the largest cultivator in Seattle, WA [2:03] Why Matt has shifted his focus from designing grow facilities to plant breeding [4:51] Types of clients House of Cultivar works with, including I-502 licensed growers and processors [7:24] A breakdown of propagation through cloning, mother plants, and tissue culture [16:14] How House of Cultivar validates genetics to ensure they’re the best expression of the plant possible [19:31] What it means to “reinvigorate” a plant [24:11] The behind-the-scenes on how House of Cultivar delivers their clones to customers [29:18] Where Matt sees the cannabis industry heading as it undergoes more specialization across the supply chain  [33:17] How large-scale nurseries will revolutionize cannabis from home growers to commercial cultivators [34:16] How grow room technology has evolved and where Matt sees it advancing in the next few years

Article Referenced In Show: 101 Best Gifts For Hunters (DeerCast is #12 on the list) Show Notes: https://thebiggamehuntingblog.com/podcast/mattdrury/ Show Sponsor: Go to muzzleloaders101.com/buy to learn everything you need to know in order to get started hunting with a muzzleloader, plus get EXCLUSIVE discounts on muzzleloader gear through Muzzle-Loaders.com. What We Covered 1) Background on Matt Drury. 2) Why Matt hunts with a muzzleloader. 3) Where Matt primarily hunts and some of the unique hunting regulations he has to deal with. 4) Discussion on the muzzleloader gear Matt uses. 5) Where you can go for more information on how to hunt with a muzzleloader. Resources 101 Best Gifts For Hunters – Check out this article and sign up for DeerCast (#12 on the list). Follow Matt Drury on Instagram Drury Outdoors Facebook, Instagram, & DeerCast Pages DruryOutdoors.com – Drury Outdoors Web Site Show Sponsor If you want more information to help you take your muzzleloader hunting game to the next level, then you NEED to check out muzzleloaders101.com/buy.  There, you’ll learn the details of my 5 Step Insider's Muzzleloader Hunting Framework. This framework contains all the information you need to know in order to get started hunting with a muzzleloader and will help you make an informed decision on exactly which muzzleloader equipment you should use for your particular hunt.  You’ll also get access to a private Facebook community where you can get regular access to other experienced muzzleloader hunters where you can ask questions, get feedback and help, and receive support as you move forward in your muzzleloader hunting journey. And to top it all off, members receive EXCLUSIVE discounts on muzzleloader equipment from Muzzle-Loaders.com. In fact, you get so much useful stuff from joining the community that I’m practically giving it all way considering what I’m charging for it. Head on over to muzzleloaders101.com/buy and sign up for instant access.

How do you succeed in health, your relationships, and with your money when there is so much uncertainty in the world?With all that’s going on, a lot of us have been facing challenges. Our health routines have been disrupted, our relationships have been strained, and a lot of our financial worlds have been rocked.Today, you’re going to hear stories from two groups of The ONE Thing members. One is a husband and wife couple who have gone on a journey of transforming their health, their wealth, and their relationship. The other is a corporate attorney who has leveraged The ONE Thing’s goal setting principles to not only maintain a thriving career this year but make sure she’s showing up as a wife and as a mother first.If you would like to learn more about The ONE Thing Goal Setting Retreat, visit the1thing.com/setmygoals.In this episode, you will learn...[04:11] Where Matt and Malinda were before The ONE Thing[06:58] Getting on the same page with their goals[14:20] How going through the goal setting framework helped prepare for the unpredictable[21:04] What to do when you’re treading water[27:19] Giving yourself permission to do one thing at a time[30:48] Going from naively confident to having actual confidence[38:25] Creating an accountability group[39:41] Where to start[45:59] How you can join the Goal Setting RetreatLinks & Tools From This Episodethe1thing.com/setmygoalsLosing 100 Pounds & Eliminating $551K in Debt - ONE Habit at a TimeEpisode 186: How ONE Working Mom Changed Her Life | Casey Gocel--Do you keep writing the same thing over and over in your emails?We’re constantly sending the same email addresses, phone numbers, and replies to our coworkers and clients — and over time, the busy work really starts to add up. That’s where TextExpander comes in. Whether you’re writing on your computer or on your phone, in an email, or in an instant messaging app, TextExpander is always there to save you time.You can get 20% off your first year by visiting textexpander.com/podcast.--Right now, we cannot be overwhelmed. We have to work to keep our loved ones safe and protect communities. We have to work to stay strong, to stay connected, to stay focused. We have to work to inspire, to innovate, to build new solutions. But for all of this to work, we have to work together. ZipRecruit works to connect employers and people every day.Visit ziprecruiter.com/worktogether to find out more.--Do you run a small business?Small business owners wear a lot of hats. Some of those hats feel incredible to wear. However, filing taxes and running payroll... well, for most of us, they don’t feel great and they’re not our ONE thing. That’s where Gusto comes in to help you make payroll, taxes, and HR easy. So ask yourself, it time to take off some of your hats?You can get three FREE months when you run your first payroll at Gusto.com/ONE.--

A critical component of any cannabis cultivator’s business is establishing best practices around breeding plants. Here to tell us how to create thriving genetic nurseries is Matt Gaboury of House of Cultivar. Learn more at https://www.seattlecannabis.co/house-of-cultivar/  Key Takeaways: [1:04] An inside look at House of Cultivar, the largest cultivator in Seattle, WA [2:03] Why Matt has shifted his focus from designing grow facilities to plant breeding [4:51] Types of clients House of Cultivar works with, including I-502 licensed growers and processors [7:24] A breakdown of propagation through cloning, mother plants, and tissue culture [16:14] How House of Cultivar validates genetics to ensure they’re the best expression of the plant possible [19:31] What it means to “reinvigorate” a plant [24:11] The behind-the-scenes on how House of Cultivar delivers their clones to customers [29:18] Where Matt sees the cannabis industry heading as it undergoes more specialization across the supply chain  [33:17] How large-scale nurseries will revolutionize cannabis from home growers to commercial cultivators [34:16] How grow room technology has evolved and where Matt sees it advancing in the next few years  

Matt shares his knowledge about rural internet options. Pertinent during the time of COVID-19 when so many are working and learning from remote locations.  Links to resources referenced:  Connect ME @ Maine.gov Connect ME Executive Summary Mobile Must Have  Where Matt got his Data Plan and lots of information on the topic. https://5gstore.com/  Where Matt purchased equipment.  Please feel free to email podcast@btsmaine.com with questions.  Visit us online and find all previous podcast episodes at BTSMaine.com   

Hey guys the boys are back with Episode 13! We are coming in hot with our thoughts on Season 2 of The Punisher and Stephen tells us how much he loved Velvet Buzzsaw! We discuss things going on over at Disney and what's to become of Deadpool and the X-Men franchise. Eddie and Matt sit down for a new segment called GAME CHAT WITH MATT! Where Matt reviews some games and Eddie listens. Finally we end the show with the segment we introduced last episode called NEWS AND SH*T! Please make sure to subscribe, comment, leave a like and please spread the word! FEATURED BEER: This episode we go outside of Texas to support a great cause with Sierra Nevada drinking Resilience IPA. If you've heard us talking about before than you know that 100% of the beer sales will go to the Camp Fire Relief Fund. For more info and a list of local breweries in your area that have #RESILIENCE on tap visit this link https://www.sierranevada.com/resilien... --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Beth sits down with NASA astronaut Matthew Dominick last week at NASA’s Johnson Space Center to discuss his work as an Artemis Generation astronaut. At the time of his selection as an Astronaut Candidate in June 2017, Matt was at sea on the USS Ronald Reagan (CVN 76) serving as a Lieutenant Commander in the U.S. Navy, a Naval Aviator, and a department head for Strike Fighter Squadron 115. He has accumulated more than 1,600 flight hours in 28 aircraft models, 400 carrier arrestments, 61 combat missions, and nearly 200 flight test carrier landings (arrested and touch-and-go).  Yep, it’s impressive. And the conversation Matt and Beth share is just as impressive! Listen to hear highlights that include:    Where Matt was and what he was doing when he “got the call” to welcome him to the NASA astronaut corp (Once Matt found out he was selected as an astronaut, Matt called someone incredibly special from the ship and asked her not to tell a soul! Listen to find out who) What cultural impression stayed with Matthew after living in Japan Matt’s used to living in many places, but the BUGS of Texas have their own story… How exploring space is like exploring the south pole…  Matt’s thoughts regarding the NASA Administrator’s goal to return to the Moon in2024      This is a unique time at NASA- For the first time in more than four years, NASA began accepting applications Monday for future astronauts. Aspiring Moon to Mars explorers have until 11:59 p.m. EDT Tuesday, March 31, to apply. The call for more astronauts comes at a time when the agency is preparing to send the first woman and next man to the Moon with the Artemis program. Exploring the Moon during this decade will help prepare humanity for its next giant leap – sending astronauts to Mars. U.S. citizens may submit applications to #BeAnAstronaut at: https://www.usajobs.gov/GetJob/ViewDetails/561186900   About Becoming a NASA Astronaut:   https://www.nasa.gov/feature/an-astronaut-s-guide-to-applying-to-be-an-astronaut https://www.jpl.nasa.gov/edu/news/2015/11/4/so-you-want-to-be-an-astronaut/   About Matthew:  https://www.nasa.gov/astronauts/biographies/matthew-dominick/biography    Summary: Matthew Dominick was selected by NASA to join the 2017 Astronaut Candidate Class. He reported for duty in August 2017 and having completed the initial astronaut candidate training is now eligible for a mission assignment. The Colorado native earned a Bachelor of Science in Electrical Engineering from the University of San Diego and a Master of Science degree in in Systems Engineering from the Naval Postgraduate School. He graduated from U.S. Naval Test Pilot School. He has more than 1,600 hours of flight time in 28 aircraft, 400 carrier-arrested landings, and 61 combat missions. Personal Data:Dominick was born and raised in Wheat Ridge, Colorado. He is married to Faith Dominick, and the couple has two daughters. His parents, Donald and Rhonda Dominick, still live in Wheat Ridge. Education:Graduated from D’Evelyn Junior/Senior High School in Golden, Colorado. Earned a Bachelor of Science in Electrical Engineering from the University of San Diego with minors in Physics and Mathematics. Earned a Master of Science in Systems Engineering from the Naval Postgraduate School in Monterey, California. Graduated from the U.S. Naval Test Pilot School in Patuxent River, Maryland. Experience:Dominick was commissioned through the Reserve Officers’ Training Corps (ROTC) following graduation from the University of San Diego in 2005 and reported to Pensacola, Florida, for flight training. He was designated as a Naval Aviator in 2007 and reported to Strike Fighter Squadron 106, Naval Air Station Oceana, Virginia, for transition to the F/A-18E Super Hornet. Following his initial training, Dominick was assigned to Strike Fighter Squadron 143. He made two deployments to the North Arabian Sea, flying close air support missions in support of Operation Enduring Freedom. While with Strike Fighter Squadron 143, Dominick was selected to attend the Naval Postgraduate School / U.S. Naval Test Pilot School Co-Operative Program, where he earned a Master of Science in Systems Engineering from the Naval Post Graduate School and graduated from the U.S. Naval Test Pilot School. Designated a developmental test pilot in 2013, Dominick was assigned to the fixed wing carrier suitability flight test department of Air Test Evaluation Squadron 23. There he served as developmental flight test project officer for a variety of carrier suitability test programs, including MAGIC CARPET, Joint Precision Approach & Landing Systems, Infrared Search and Track Pod, and the precision approach and landing certification of aircraft carriers. He flew developmental flight tests in the F/A-18ABCD, F/A-18E/F, and EA-18G. Additionally, he contributed to X-47B, Unmanned Carrier Launched Surveillance and Strike, V-22, T-45, E-2C, C-2A, and F-35C test programs. In 2016, Dominick returned to an operational naval squadron, Strike Fighter Squadron 115, flying F/A-18E Super Hornets in the Forward Deployed Naval Forces stationed in Atsugi, Japan.  At the time of his selection as an Astronaut Candidate in June 2017, Dominick was at sea on the USS Ronald Reagan (CVN 76) serving as a Lieutenant Commander in the U.S. Navy, a Naval Aviator, and a department head for Strike Fighter Squadron 115. He has accumulated more than 1,600 flight hours in 28 aircraft models, 400 carrier arrestments, 61 combat missions, and nearly 200 flight test carrier landings (arrested and touch-and-go). NASA Experience:Dominick reported for duty in August 2017 and completed two years of training as an Astronaut Candidate. He is currently awaiting flight assignment. Awards/Honors:2015 Naval Test Wing Atlantic Test Pilot of the Year; Member of the 2015 Department of the Navy Test Team of the Year; Strike Flight Air Medal (three awards); Navy Marine Corps Commendation Medal; and Navy Marine Corps Achievement Medal (three awards) Organizations:Society of Experimental Test Pilots Society of Flight Test Engineers and Tailhook Association.  

Matt Skoglund and his wife Sarah are bison ranchers and the owners of the North Bridger Bison Ranch, which is located in Montana's iconic Shields Valley. The Skoglund's bison operation is deeply rooted in Holistic Management and Regenerative Agriculture principles, and their goal is to produce healthy and delicious meat, while simultaneously improving the land, helping the environment, and contributing to Montana's economy. Through hard work and genuine curiosity, Matt has found his life's true calling in bison ranching—a challenging yet deeply rewarding business that combines so many of Matt's passions into one dream job. By now, you may be assuming that Matt comes from a western ranching family or perhaps holds agriculture degrees from a land-grant university. But the reality is that Matt grew up in the Chicago area, attended college in the northeast, then law school, then began a career as an attorney in the litigation department of a large Chicago law firm. After several years of practicing law, he and Sarah could no longer resist the desire to move West, so they took a leap of faith and moved to Bozeman. Matt found a job with the Natural Resources Defense Council (NRDC), where he worked for nearly ten years, digging deep into many conservation issues that affect the Greater Yellowstone Ecosystem, including bison. Finally, in 2018, after several years of dreaming and planning, they pulled the trigger, bought some land, and started their adventure in bison ranching. Matt and Sarah's story is inspiring and instructive, especially for those who have dreams of pursuing lives and careers in the West. Instead of jumping all over the place like I normally do, this conversation is pretty much split into two main sections. The first half covers all the details about North Bridger Bison, how they acquired the ranch, their process of field harvesting the meat, who their customers are, and some of the biggest surprises of running their own business. The second half covers some broader personal topics, such as how being a father has affected Matt's outlook, why he was able to walk away from a lucrative career in law, and the life lessons learned from being a college hockey player. Whether you are strictly interested in agriculture or only interested in people's personal evolutions, there are aspects of the Skoglund's journey that will be fascinating to both groups. Be sure the check the episode notes for a list of everything we discussed. Hope you enjoy! --- https://mountainandprairie.com/matt-skoglund/ --- TOPICS DISCUSSED: 4:00 - The location of the ranch 5:45 - Why they chose the Shields Valley 8:15 - Details around purchasing the ranch 12:30 - Genesis of the bison ranch idea 14:30 - Books that shaped Matt's business philosophy 16:00 - Transitioning from dreaming about ranching to doing it 18:15 - Criteria when searching for land 22:45 - Collaboration among bison ranchers 25:30 - Details of field harvesting bison 30:40 - Biggest surprises of bison ranching 36:00 - How past professional experiences inform bison ranching 37:00 - Lessons learned from stressful situations 39:30 - Transition from the law to conservation 42:00 - Moving to Bozeman 43:00 - Getting off the big law firm "treadmill" 44:50 - Where Matt got his independent streak 47:30 - Lessons learned from high-level athletics 49:30 - How having kids changed Matt's life and perspective 54:30 - Three specific heroes and mentors 58:45 - Aldo Leopold obsession 1:00:15 - Favorite books ---- ABOUT MOUNTAIN & PRAIRIE: Mountain & Prairie Podcast Mountain & Prairie on Instagram Upcoming Events About Ed Roberson Support Mountain & Prairie

Matt is a veteran technology marketing leader with more than 25 years of experience in brand, digital marketing, demand generation and revenue management, customer experience and corporate communications. Matt is the CMO of Forcepoint a cybersecurity technology organization, where he leads the company’s global marketing organization that includes brand management, corporate communications, events marketing, digital and web marketing, revenue and field marketing, and sales enablement. Matt has been named among the top 20 most influential CMOs by Forbes. In this episode, Matt shares some of his proudest career achievements, where he experiences his a-ha moments, and how to create a culture that pushes the status quo.   Key Takeaways: [2:00] Matt shares why he is so fond of his hometown of Linz, Austria. [3:05] What attracted Matt to marketing [6:00] Matt discusses how great marketers are conceptual on one hand and quantitative on the other. [10:40] How Matt continues to advance his skills at the executive level [13:50] Matt sees meetings as a place to have conversations and ask deep and meaningful questions. [16:25] What is Matt proud of? [20:30] Matt doesn’t believe in sponsorship for sponsorship’s sake. You need to be intentional with your brand connections by building use cases with them. [24:10] We have the opportunity to leverage more tools, more people, and more expertise. [25:10] How to get the attention of someone and hold it. [26:55] Where Matt goes to experience his a-ha moments. [32:30]Marketing is not open-heart surgery. If you make a mistake that’s OK. [33:30] Why our biggest drivers of growth come from failure. [34:20] There are five roles that the CMO must take on; which one of the five is the most important to Matt? [39:40] How Matt finds a work-life balance. [45:10] Why embracing technology is key to becoming a world-class marketer. [47:15] The strategic skill gap that many marketing leaders face today. [51:45] The key differentiating factors between B2B and B2C marketing. [54:00] What’s next for Matt?   Mentioned in This Episode: Forcepoint.com Matt on LinkedIn Originals: How Non-Conformists Move the World, by Adam Grant “The 5 Roles of the CMO,” by Jennifer Veenstra on Deloitte

This week’s interview is with highly anticipated and requested guest, Matt Long. Matt Long is husband and other half to Robin’s balanced life. In this episode, Matt and Robin share how they balance health, marriage, and kids during this season of life.  They discuss roles they’ve had to take on, along with how they make gradual changes in order to support their family’s needs. Join this dynamic duo in this authentic conversation about how to lean into current seasons, along with how to make conscious choices to support and encourage your partner through the good, bad and the ugly.    Show Highlights:  What Robin’s life looked like before Matt and how he’s impacted her self-perception  Where Matt was in life when he met Robin and how running became a bonding experience   Navigating lifestyle differences and taking initiative to live a healthier lifestyle  Integrating nourishing recipes that are still flavorful into your diet  Managing individual dietary and allergy restrictions as a family  How to work through lifestyle shifts with your partner harmoniously  Matt’s relationship with Pilates and the role exercise plays in his life  How Matt and Robin integrate exercise into their busy schedule  What to do when your partner isn’t being supportive in health changes  Things Matt doesn’t do in this current season of life  What Robin and Matt say no to as a family  Managing postpartum season and the importance of having support  Avoiding self-pity in order to be as supportive and encouraging as possible  Making a mindset shift to show up with more energy for your family    Links:    Instagram: @thebalancedlife    5 Day Jumpstart:    https://thebalancedlifeonline.com/jumpstart/   Enrollment for the Sisterhood:    https://thebalancedlifeonline.com/balanced-life-sisterhood/

They are back with season two of Marital Musings. Where Matt and Sarah (aka Strawberry) rambles about life, marriage and everything in between. its a little glimpse into their crazy world! in the episode find out why Matt new name for Sarah is Strawberry. How deep, dark and weird Matts mind is and of course has Matt finally managed to get some fun in the bedroom... Caution may contain strong language and adult material (as well as Infectious giggles) --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/marital-musings/message

Episode 1: Where Matt learns how not to prepare for a podcast, and also reaches the end of the internet – twice.

WE ARE BACK! Come listen to S2 E1 of MLRugbyPod. Where Matt’s done his homework, Joe remains upset about the Chicago Bears and James doesn’t hijack it with NOLA for once! We also talk about a great opening weekend of rugby!

Matt Payne is a Colorado Landscape Photographer and host of the "F-Stop Collaborate and Listen" Photography podcast   In This Episode You'll Learn: How Matt got his start in photography How Matt used his first camera What motivated Matt to learn photography Where Matt got inspired to grow his knowledge of photography How much photography is planned vs how much of a shot is magic The best thing Matt ever did to grow his photography community The lessons Matt's parents instilled in him to make him a better photographer Some must have gear for getting started with Landscape photography How night photography helped Matt better understand his camera settings  One of the hardest aspects of landscape photography to learn Immediate signs of an amateur landscape photographer What Matt does when he shows up at a location and the conditions do not work out Resources: Colorado Landscape Photographer Matt Payne's website F-Stop Collaborate and Listen Podcast Matt Paynes Instagram Memorable Quotes: When I first started, I just pointed the camera at everything and didn't know what I was doing. I checked out every photography book at the library and became self-taught  I have this struggle between my passions of climbing tall mountains and taking photos I would spend a couple hours a night experimenting with my camera to gain a better understanding of settings. Don't be afraid to other photographers question Sometimes you have to make the best of what nature gives you     Check out more at www.BeginnerPhotographyPodcast.com Have A Question? Reach out to us on social Facebook: www.Facebook.com/BeginnerPhotographyPodcast.com Instagram: www.Instagtam.com/BeginnerPhotoPodcast Or Email us at: BeginnerPhotographyPodcast@gmail.com

Episode 14 of the Plant Proof podcast with Matt Cama talking about his story & what's on your plate Matt Cama is an Animal Activist and Weight Loss Coach from Australia who I recently caught up with in Bali to shed some light on what's happening in factory farms and in particular what he has witnessed personally. The cool thing about Matt is he's not your typical old school animal activist in that he's not approaching things with anger or aggression. He has a motto to live with "compassion above all else" and uses this to effectively communicate his message to people from all walks of life including those who have different opinions & belief systems. In this episode we chat about: Where Matt grew up and why he was inspired to change to a vegan diet? Why he has moved to Bali & how he's finding it Why he is an animal activist How he communicates to effectively spread his message What he has seen first hand at factory farms His tips for young parents and educating children on where animal products come from What he see's as the future and much much more Connect with Matt on Instagram. Play now: REVIEW/SHARE: If you enjoyed the episode and have a spare 1-2 minutes please leave a review on iTunes so the Plant Proof podcast ranks higher and becomes more discoverable for other listeners. And if you have any friends that you think will benefit from listening to this episode or any of the other Plant Proof episodes please share the link - together we can make this world a healthier place. WHERE TO LISTEN TO THE PLANT PROOF PODCAST? Currently the Plant Proof podcast can be listened to on iTunes, Google Play, Stitcher, Soundcloud or on the Plantproof.com directly (this page). In the near future it will also be made available on Spotify . If you listen on iTunes be sure to hit 'subscribe' so you are instantly notified when I release new episodes.

In this episode of The Physical Performance Show I have a fire-side chat with Matt Bevilacqua - Three time Molokai 2 Oahu paddleboard champion and professional Ironman.  During the episode Matt shares around all things surf life saving ironman, breakthrough performances, hard training and fun sessions on the beach. Listen in as we delve into the following: Matt's origins in surf life saving Growing up as a surf athlete in Tasmania Matt's Nutri-Grain Series journey Matt's Molokai to Oahu Paddleboard Races The highs and lows of Matt's career so far 00:00 Start 01:00 Introduction 04:00 Matt Bevilacqua Introduction 05:40 One thing that scares Matt 08:12 Matt's genesis story 08:37 Matt's junior days 09:30 Where Matt's love for the sport started 11:37 Talking about Matt's parents 14:00 Matt's dreams before becoming a professional ironman 14:56 Being a surf athlete in Tasmania and the Tasmanian athlete bond 18:10 Training with Michael King 19:25 What Matt learnt from training with a high performance squad 20:25 Matt's first Nutri-Grain IronMan qualifying year and race 22:10 Finding himself on the Nutri-Grain IronMan Series podium 23:37 Matt's second year on the Nutri-Grain IronMan Series 24:42 Matt on the importance of confidence 25:45 Matt's first Nutri-Grain IronMan Series win – Newcastle 2015/16 Series 28:38 Matt's 2016/17 Nutri-Grain IronMan Series 31:20 Performance Round 43:04 Molokai 2 Oahu paddleboard 44:42 Matt's study – High school teaching 45:36 Matt's bucket list 46:54 Matt's training advice 48:00 Matt's Physical Challenge 49:36 Matt's dinner guest 50:40 Matt's sponsors and supporters 51:45 Matt as a comedian 52:55 Close 55:35 End   Matt Bevilacqua on social: Insta: @matt.bevilacqua   Facebook: @mattbevy   Twitter: @matt_bevilacqua   Matt's first surf club - Clifton Beach SLSC   Matt's current surf club - Kurrawa SLSC     Matt's Sponsors: Kellogg's Nutri-Grain   Kracka Surf Craft   Engine Swim   BOS Oceansport   True Protein    Previous show guests that are mentioned: Episode #1: Ali Day Episode #22: Shannon Eckstein Episode #57: Matt Poole Episode #72: Jamie Mitchell   If you have enjoyed the show please hit SUBSCRIBE for to ensure you are one of the first to future episodes. Jump over to POGO Physio - www.pogophysio.com.au for more details Follow @Brad_Beer Instagram, Twitter, and Snapchat Please direct any questions, comments, and feedback to the above social media handles.  Powered by POGO Physio, Mermaid Waters, Australia 

 Band Breakdown is back! Where Matt breaks down an assortment of submitted music, and this weeks answers a few questions from the bands. On the bill for this week's Band Breakdown is Astral Planes, The Thoughtlife, Signs of a Slumbering Beast, and The Quick and The Dead.    Atral Planes: https://www.facebook.com/astralplanesco The Thoughtlife: http://thoughtlifemusic.com/ Signs of a Slumbering Beast: https://www.facebook.com/signsofaslumberingbeast/ The Quick and the Dead: www.thequicknthedead.com   Contact breakitdownpod@gmail.com to be featured on an upcoming Band Breakdown episode.  Links: breakitdownpod.com iTunes -  https://itunes.apple.com/us/podcast/break-it-down-with-matt-carter/id977905081?mt=2 Support - https://gumroad.com/l/breakitdown Learn more about your ad choices. Visit megaphone.fm/adchoices

In this weeks deleted scenes we play a new game called "McConaughey or Not?" Where Matt does and impression and Tom and Katy have to tell whether it was of actor Mathew McConaughey or not. We pitch the films "The Fishy Man Cometh" and "Silver Nutri-Bullet, The Only Way To a Werewolf Heart", and Matt researches the plot of the Adam Sandler film "Little Nicky". Enjoy and Share guys!! Find us at www.facebook.com/lifesapitchpodcast Or follow us on twitter @lifesapitchshow Subscribe on iTunes! - itunes.apple.com/gb/podcast/lifes…d1003281026?mt=2 Or on Acast - www.acast.com/lifesapitchpodcast Or anywhere that uses an RSS feed - feeds.soundcloud.com/users/soundclo…683/sounds.rss Subscribe to our videos on Youtube! - www.youtube.com/channel/UCLC3Hl8GU4uFnGcDXxwcUdw

In Episode 24 of Breaking Walls, we sit down with WallBreakers co-founder Matt Weckel about all the places his life has taken him and the things he's learned as parenthood approaches for the first time. It's a great chat between a couple of Brooklyn natives who are long-time friends. Highlights • Was Brooklyn an angry place to grow up living in? If so, Why? • How Matt's parents instilled a progressive culture in his life • What is Siricos and why is it important? • Where Matt's need to leave NYC came from • The many ways in which losing his mom deeply affected Matt • How his creativity began to take off • Why his first year of marriage has been so good • Why he's not afraid of being a first-time parent • Lessons his parents taught him that he wants to pass down • Is he ready?

Where Matt swears a lot about his grandmother's apple pie.