BiggerPockets Real Estate Podcast - From a $200K Duplex to Replacing His 6-Figure Salary with Rental Properties

Episode Date: September 21, 2026

Real estate investing won’t make you rich overnight. But keep at it for long enough, and it will make you very wealthy. Philip Henry had been doing all the right things: buying a rental property every year, renovating it, raising rent, and then rolling his home equity into the next deal. Yet after nearly 15 years, he had very little to show for it, and the stress and workload were beginning to take a toll on his health and relationships. Right when others would have given up, the real estate deal of a lifetime landed right in Philip’s lap—a seven-figure, 31-unit rental property that would change his family’s future. Now, Philip is financially free, has quit his W-2 job, and is building generational wealth with rental properties. How did he do it? Today, he’s pulling back the curtain on the deal that changed everything and the strategies behind it: seller financing, other people’s money, and perhaps most importantly, the patience and persistence needed to win in real estate. In This Episode We Cover How Philip scaled from a $200,000 duplex to a $20,000,000 portfolio Replacing his six-figure salary with rental property income Taking down a $1,200,000 real estate deal without any of his own money How to use creative financing to bring zero to the closing table The secret to avoiding burnout on the road to financial freedom Why you should pitch seller financing on every real estate deal And So Much More! Learn more about your ad choices. Visit megaphone.fm/adchoices

Real estate is not a get-rich-quick kind of game, but it is a get-rich-for-sure game. Keep at it, and it will eventually make you wealthy. Most investors get out too early, usually right before the big payoff. For 15 years, investor Philip Henry felt like he was treading water. He was doing all the right things, buying multifamily property every year, renovating the units, raising the rents, and then rolling his equity into the next deal. On paper, he was building wealth, but it was not showing up in his bank account. The stress was mounting and the workload was taking a toll on his health and his relationships

were suffering. But that's exactly when the breakthrough came. A real estate deal that would single-handedly change his life. Philip bought it with none of his own money and then he created enough value and cash flow to replace his six-figure salary. Today he's going to pull back the curtain on that deal and the strategies behind it plus the patience and persistence it takes to win in real estate. What's going on, everybody?

I'm Henry Washington. co-hosts of the Bigger Pockets podcast, and today we're bringing you an investor story with Philip Henry. So let's bring him on. Mr. Philip Henry, welcome to the Bigger Pockets podcast. Well, thank you so much, Henry. Appreciate it. Appreciate you having me on. Why don't you go ahead and give us a little background?

What got you into real estate investing in the first? What were you doing before that? Wow. Well, originally from Canada, I went to chemical engineering and then moved to the U.S. in 01 with my wife. And at the time, we had a new baby and started doing engineering. and work in Boston and then just started reading books about real estate. You know, you drive by a golf course, and it's like noon on a Wednesday, and someone's in there with a nice car and golfing, and my dad always was working at that time.

So I was like, something's different about what they're doing versus what my dad did. So anyway, that's how it started. And then I bought a two unit. That was how I got off the ground. How long ago was that? That was in 2003, I think. Oh, man. You got a long investing history.

Yes. I know it was a while ago, but it was your first rodeo in the real estate game. So why don't you tell us a little bit about that deal? What did you buy? How did it go? And then how did that propel your investing career? So a lot of the new engineers, new families starting up, would get a single family home in Boston and then their mortgage poor.

And I just, you know, I was broke. I had no money started out salary with like 40 grand or something like that. And $200,000 price point. to a unit. We bought it. I think it was an FHA. I would come home from engineering school, go up into the second unit, sand floors, paint, rented that out for 800 bucks. So my costs went from 900 in an apartment to 450 and I owned the place. And then a year later, I sold it and left the closing table with a check and it said like 50 grand on it. Yeah. I was like I paid off my student loans and that's when I was hooked. I was like, there's no

way. I just made a year salary by living in a house. So you did house hacking before it was cool, before it was a fancy name for it. You got it. How did that change or shape what you ended up doing next? Well, I think the first thing is it increased my belief. So like my belief that I actually could be a real estate investor. You know, that that was huge for me. And then I got transferred up to Bangor and I did the four, I bought a four unit right out of the gate. Same way. FHA. three and a half percent down. The seller carried closing costs, so I had very little in it. And I started with that. That was my next acquisition. Okay. So you house hacked that one as well. The first one, it sounded like you had some renovation to do. You were doing some of the sweat equity. Were you doing

the same thing on the next one? It wasn't more of a turnkey deal. It was a little bit more ready to go, but it still needed a fair amount of love. So it was like, you come home from the end of the day, pick up some supplies and grab your hockey buddy and tell them there's a six-pack waiting for them and off my way. When we talk about owner financing, a lot of investors understand, well, yeah, I can go to the owner and I can ask them to give me a loan since they own the property. But owner financing is bigger than that. Owner financing can be something just like that, where the owner just carries part of the loan, like the down payment. So, you know, with that being your second deal and, you know, how did you know to do that or how did that come about?

So one of the things that usually stagnates people from getting off of their first unit is that, you know, your capital poor. You know, it's hard to come up with 20% savings to get another unit. So once I got that four unit, I was tapped. And then another like kind of worn down landlord had a, and had a two building 11 units. And I don't know how I came up. Like maybe it was a book I read and that it was an option. And he was a savvy investor. He had a bunch of units.

So he said like, okay, yeah, I'd be willing to carry paper. and I was like carry paper, what the hell's that mean? But once we got through that, he was very open to doing that. So he carried the 20% down payment that I needed. Any carried closing costs. So I ended up taking another 11 units under ownership. And I walked away with a small check for prorated rents at that time. It needed a ton of work, but that's all I had for options.

But I bought those two buildings for 200 grand. And they just appraised for like $9.50. and I had no money in the game. My perspective on seller finance is that it has nothing to do with what you want and it has everything to do with what the seller wants. That's why it's called seller finance. And I have found it to be a more productive and successful conversation when I am focused on trying to figure out what it is that the seller needs.

And then I try to structure the deal that gives them what they need. Now it's hard for them to say no. You said you wanted a down payment. I'm giving you a down payment. You said you wanted a 7% interest rate. I'm giving you a 7% interest rate. But all of the other factors of the loan, I'm tipping in my favor.

100%. And so I found that to be the most successful strategy. How do you go about approaching somebody and offering seller financing? Really, to your point, you're trying to create a win-win. You're trying to understand the motivation factors of the seller. And I think it starts with a conversation.

You know, like, hey, would the seller be open to that? Well, they're not really open to it. They don't really understand it. Okay, well, now you have another. roadblock to get through. And so every deal is different. But in order to grow when you lack capital, you have to be creative. And you have to either leverage seller financing, get really good at approaching sellers with the idea of it and then being really good at explaining why it benefits them as well and not just you. And then it's so funny, Henry, once you get a track record of success

and you have a few deals under your belt, like there's a lot of people that have money that is in the market making six, seven percent. And if you can get a down payment for a place and tell them that you'll just pay them 11 percent on their money until you pay it back or for two years or for three years to get into a deal, which I've done too, it's, it benefits them, it benefits you. And it's just another tool in the belt. Yeah. Your goal as an investor is to educate yourself, understand what are all of the ways that I could finance a deal so that when a deal comes across your desk and a seller is in a certain type of situation, you can go, ah, that's this type of loan. And I can underwrite it this way because it gives a seller what they need. It helps me get the

deal done. And it helps solve the problem for me, which is not having to spend a ton of my own capital. It's a tool in a tool, but I love that analogy. All right, Mr. Philip, I love the last name, by the way. Mr. Philip, Henry, thank you. I want to learn more about how you continue to grow and scale. But I want to do that right after we take a break. Sounds good. There's a point where basically every investor realizes traditional financing stops scaling with you. At first it works. You qualify with your income, your job, your tax returns, but as you grow, that model starts to break. Now, it's not really about your personal income. It's about the income from your properties. That's where DSCR lending comes in. And it's why a lot of investors end up working

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up to $10,000 in your first year. Check mind.co to save time, money, and frustration. That's mynd.c.o. All right, we are back on the Bigger Pockets podcast. I am with investor Philip Henry, who has a wealth of experience, done some creative finance deals, and we're here chatting about those. Mr. Philip, now you mentioned that you bought a duplice. house hack, then you did a fourplex house hack, then you did 11 units. And the 11 units was

mostly all owner finance, correct? Yeah, the entire down payment, the 20% I required for down payment, the seller carried that. So what happened after that? Well, I, you know, I was a full time traveling engineer. So like, I'm on the road, but I made like a kind of a small little tire. I said, I got to get at least one at one multifamily a year. So I just kept adding one a year, one a year, So four unit, four unit, four unit. And most of it was that until I had about 40, maybe 46 units or so. But what I found, like, you know, when I was at that stage, it wasn't at critical mass. I still had my six-figure engineering, but I'm traveling all the staying at Marriott's doing that.

And then I have 46 units at home. So my wife's kind of raising kids and dealing with these calls. And it really, it started to put like some major, major stress on. on the relationship. It was just a really, really difficult time. I don't have entrepreneurs, parents. I got a work ethic from my dad. I got compassion from my mom, but they did not. They are so conservative. They were wondering if I was a crazy, absolute lunatic and wasting my money and time, you know, and I'm in a different place today because of those things. It took my father probably four or five years of me doing real estate before he stopped asking me

how my 401k was doing. That's right. I got rid of that thing so long ago, Dad, I'm good. I'm fine. That makes 8%. My real estate makes 25 or 30%. No, no, thanks. Yeah.

I like this concept of buying one a year because it seems manageable. That sounds attractive to a lot of new investors. That's not scary. I could buy one a year. Cool. Now let's talk about what it actually took to buy one a year. So you were buying one multifamily a year. Were you buying them all on owner financing or was this like traditional financing?

Every deal I went, I proposed seller financing and 90% of the time I was able to pull that off. Okay. And so that allowed me to do that. And then just really like MLS, like things that have been sitting for a while. Like I was I was big on because, you know, I wanted to find a motivated seller. Usually those are tired landlords or whatever. So I would go in and negotiate that. And then I would go into each unit.

So one unit would vacate. I would go in, redo the unit, get someone else in there, increase rents, change the NOI, increase the value, and then take equity. Then I would have equity. Then I would just start to use equity for the next acquisition, next acquisition. So either equity or seller financing. Love it. So almost like a little cross-collateralization kind of style you were doing there. Exactly. All right. So you're doing some of the work. You're getting these things up to speed because obviously the way we get good deals is we buy problems and those problems a lot of times are the property needs some, let's call it love. Next is you're obviously keeping these things as rentals. So who's managing these things? So because I was a chemical engineer and I'm traveling all over, I didn't want to create another job. You know, I didn't want to have another job

for myself. I mean, the whole thing about having financial freedom is the freedom part. You know what I mean? It's one thing, it's one thing that money coming in. But if you don't have, if you don't have the ability to do what you want, when you want to do it with who the people that you want to do it with. So, so yeah, no, I hired, I had her a couple, couple, you know, full-time folks. Yep. And, and they take all the calls. They go, they schedule all the maintenance, do all the maintenance. And I still do the leasing and advertising. So you do the fun part. You get it looking pretty and then you get to tell people how awesome it is and get it filled. And then you, and then you're, I get to shake her hand, see who's going to be in my buildings, you know. Yeah. Fair enough.

I like to keep my hands on that part. While you were in this stretch of one property a year and you were doing all the things that I was asking about, like how much time were you spending in and on your real estate business? I would say probably 10 to 15 hours a week, 45 units at the time. 10 to 15 on top of a day job where you're on top of a day job. Yeah. And that's the hardest part.

When you have these units, right, yes, they're kicking off cash, but you're re-injecting a lot of that cash to bring them up to stuff, right? And so your wife's like, okay, you're gone all the time. The account's not really growing. And in my head, I know I'm getting equity. I know I'm building this future, but you don't see anything. And that's what's, that's the hardest part to be in. It's like, I'm doing all this work. That was a tough place to be. Look, I appreciate the honesty and the transparency here because this is the reality for almost every real estate investor. At some point, you start to realize in this. the beginning parts of your journey that I am not reaping the fruits of the amount of labor that I feel like I'm putting in. You got it. People say real estate is a long-term game, right? And we hear that and we understand it. We go, yeah, you start now and then in the future, you're wealthy. Like,

that makes sense. But no one talks about what that feels like when you're actually in it. It's a long-term game. What people mean when they say it's a long-term game, what they're saying is the financial benefit to what you're doing doesn't really hit you until a while in the future. And if you want that to happen, you've got to remain capital heavy enough to stay afloat in the meantime. And yes, you're buying assets that produce cash flow. And yes, you're getting cash flow from every single unit and then you look at your bank account and you're like, where the heck is that cash flow? And that's because I get in trouble for saying this, but I stand on my business. Cash flow is a myth. It's a myth. You absolutely shoot for it. You underwrite for it.

You don't buy a deal unless it's going to produce it, but cash flow is hard to chase because, yes, your property is producing $200, $300 a month in net cash flow. But if you've got an HVAC go out in year one, that's $8,000. You've only made $2,200 in cash flow. And you've now spent $8,000 on an HVAC unit. And so if you're trying to live off that $200 a month of that property and you put a new HVAC in it, you can't do it. The money's not real.

It's real in the future. But on a day-to-day basis, it's so hard to predict living off your cash flow. And that's what makes this business so hard is because in the first five years, you feel a whole lot of that and you don't feel a whole lot of your bank account growing. But then once you get past five, you start to get to 10 and 15 years, things start to look a little different in that bank account. They sure do. And it's so crazy because I almost feel like the universe is saying, do you want this or not?

Because there's, there are dark places in there when there's no money in the account and the HVAC unit goes and you're like, do I have to put this on the card again? I don't know if it's going to be able to handle it. Your wife's like, what's going on, sell it all, get out of this business. This is a stupid idea. And then that's when you got to, that's when faith comes in. Because when you get, if you can get through that pain, what I can tell you is the other side is a beautiful place.

It's so amazing. And I know, I know I'm preaching here, but man, you're speaking my language. Look, folks, there's a lot of ways to invest in this country. There's a stock market and there's crypto and its futures and there's all these things you can invest in. real estate is the only get rich for sure. If you buy assets and you don't sell them either because you want to or you're forced to because you couldn't remain capital heavy enough in the hard times,

you will become wealthy. The goal is you've got to stay in the game. How do you stay in the game? You buy good deals. You underwrite correctly and you make sure you got some capital in the bank account to cover you when things go hard because they will. get hard, but it's the only get rich for sure. But you've got to maintain. And I like, I like the honest and open conversation about those moments. You know, I've seen people in the past

six to 12 months posting multiple people posting on social media about I used to have a real estate portfolio. I had 40 doors, 50 doors, 20 doors, and I wasn't making any money. But when you dive into their story, they were only three to seven years in the business. They hadn't hit the money part yet. That's why I mean, you know, know you weren't making any money or didn't feel like it because it takes time to get there. But if you stay, if you can stay, I promise you the wealth comes. And that's a pretty cool guarantee. It sure is. I will say. And what's so cool about it is that as you're going through the journey and as you're going through all these challenges, you get better at cash flow management. You get better

at identifying challenges when you're underwriting or looking at a deal. So then, when you have an opportunity for a big life-changing acquisition, you capitalize on it. Yep. And you only need one. Well, Philip, it's not a surprise that your last name is Henry because you could be a podcast host. That is a great transition to what I wanted to ask you next was about the big deal that you did shortly after this one that we were talking about.

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All right, we are back on the Bigger Pockets podcast. I'm speaking with investor Philip Henry, who's sharing some knowledge and wisdom about a real estate investment career that has helped him shape the business he has today. He's done a lot of owner finance deals, which is pretty incredible. But before we took the break, you mentioned being able to put yourself into position to do that. that big deal that changes everything for you. So do you have one of those deals? And could you tell us about it? Yes. So after I had 46 units, like I said, my wife and I, it was like this inflection point in our marriage, you know, like the stress was heavy. And, you know, we had we had discussions, you know, like I, come home from, you know, a week away and try and blend back into my family. And it was like they had

their thing going on. And it's like I was disrupting it. You know, it's like as long as there's money coming in and I felt like I was an ATM machine. She felt like she wasn't being heard or listened to or understood or my presence wasn't there. I was always distracted. And so when, you know, I knew that I was close. You know what I mean? I knew that if I could get another good deal on this.

The building that I'm in net right now is a 30, it was a 31. It's a 32 unit now. But so I chased this, this guy who owned it. I would find out where he was having a beer and I would sit by him. Oh, hey, Larry, what's going on? I'm good to see her. Are you, you know, like, I was saying stock the owner of a building until he sells it to you? Is that your advice here? Everything's on the table, but everything's on the table. But no, I was like, I basically was like,

this guy, this, the deal came to my direction. I'm like, okay, this is a 31 unit. I don't, there's no way I'm going to be able to enter into this. Like, this is a new level for me. So we finally get to a point where like it was a $1.2 million asset at the time in like, 2017, right? 1.2 million bucks. He carried 10% paper, which was 120K. And then I had an old engineer that I had really good relationship

with. And he said he would chip in the other 120. And that's how the deal went. So I had no money. I borrowed 120 from a guy 10 years elderly than me, had some capital. The seller chipped in. And then one by one.

Like the units vacate. I come in. New granite counters, redo it, rent it. And then 32 times. And we just, you know, we just got an appraisal, 5.2 million. Wow. Did a whole reamortization, took a million bucks out, tax free. And then, you know, you're driving by, Henry.

And you're like, I own that thing, man. It's just such a crazy thing because you're like, when I grew up, I was like, man, who owns that? Like, who would own that? And, and it's just like, it's an amazing thing that, you know, if you, if you stick with it long enough and you stay diligent and you learn and you grow and you keep doing it, a deal will come your way that will change your life. That's incredible. So I mean, I've got a couple of questions about it, but on its surface, that's amazing. You said you had the seller carry 50% of the down payment and you had a private investor for 50% of the down payment.

For me, I just, I did a five-year balloon. So I basically said, you know, hey, carry it. I knew. I knew that I could turn the thing around and then have enough equity to be able to pay him off. And we didn't really have a time limit on the private investor because, you know, hey, he's making 11% on his money. So he was happy. He was like, you know, keep throwing me a check every month, right? Right. But, but yeah, so I did the same. Soon as I knew I had the equity, I pulled it out, got it appraised, and then took some money and tossed it their way. And then it was 100% owned by me. So when I quit my job, it was hard for me to give up the safety net. I was very scared, even though I knew I had done the matter.

I was making much more money on real estate per hour than I was making in my day job, by a lot. But it was still extremely scary to leave. And I actually had to have a friend of mine who was an entrepreneur, been an entrepreneur, kind of pushed me over the edge and say, hey, I had the same fear. But once I took the leap, it was way better than I thought I was going to be like, don't worry about it. you're going to be fine. How did you get comfortable with the idea that you weren't going to have that safety net anymore? Oh, man, I don't know. I felt like if I didn't make this change and

be present and be home with my family. So it was, it was just like, I didn't want my legacy to be a dad on the road all the time. The money didn't, the money wasn't really as important at that point. I needed to make change. But it was, there was a lot of fear because, you know, I had this six figures and yes, I had replaced it, but now I was so comfortable with that along with my six figures. You know what I mean? It's like, okay, now I'm losing something. Yeah, you're still losing something.

So even though I gained a fair amount of cash flow from this 31 unit, I was letting go of a six figure salary. But in my mind, I said, listen, if you were part-time in this thing and you got to this point, imagine if you have 100% focus and you're able to stay in this business, what you could do That allowed me to flip houses. It allowed me to grow the portfolio strategically. So, yeah, when I quit, I had a 15-year engineering career. And then from 2017 to now, I have 5 if not 10x my net worth from those years.

All right, Philip, I want to get a little vulnerable if you're going to be willing, but you have every right to say, hey, I don't want to go there because it is personal. But you did mention that you had some struggles with the wife and the family. and not being present enough as you were building this and the bank account not being where you want it to be, I'm very curious if you'd be willing to share with us kind of what some of those conversations were like. And then how did you as a couple navigate

through those difficult times? I think this is like a huge passion of mine because number one, staying married is hard. It's really, really hard. And raising children is hard. And when you combine raising children with trying to be, to have a passionate, a connected marriage, and you're also trying to build a huge business

for your family and for your future and for your legacy, it's, it breaks a lot of people. It breaks a lot of men. And so I had to start to search internally. Why are these arguments continuing? Why are these disconnections continuing? Why am I sleeping on one side of the bed looking one way and she's on the other side? I'm five feet away from my wife and I feel like I'm alone. and that is a very, very difficult place to be for a man.

And I think a lot of people quit in that spot. They quit. They get divorced. They call it a day. But then the next relationship stops at that same exact point. You want deeper connection. You have to go inside and get deeper connection with you. And I think the more you can get comfortable with all the things,

forgive yourself, love yourself more. So the more you love yourself, the more you can love the spouse that you're with. and the more that you can pour into your children. So I had to go away for a while and I joined like kind of a mastermind of men, entrepreneur of men. I had to get around people that were experiencing deep marriages, people that understood how to communicate better. What does a wife need?

Love language. I started to like invest in understanding how are these conflicts happening. And those are the things that when you start to layer those on top of each other over and over again, you start to rebuild and reconnect the marriage. And you can do it. Anybody can do it. But when you don't know and you feel hopeless because you just, man, I've been trying all this stuff.

I've read about, you know, what's going on? I love that vulnerability. And the key there, and the key there to what you said was self-awareness and not placing blame. Right, wrong, or indifferent, what I've learned, or at least what I think I've learned on this journey of entrepreneurship. and marriage is that if things aren't going the way I think they should go in the home or that I expect them to go or that I want them to go in the home, 90% of the reason why that is

is something that I can fix and I can control because it's probably something that I can do differently. But it takes a lot of humility and self-awareness to be able to take your frustration at a situation and maybe even your frustration with somebody else in a situation. Yeah. And go, all right, what did I do to put us to where we're even having this conversation and what can I do to get us out of it? And I don't know if that's just our responsibility as men or husbands or, but I've just found that like when I take my feelings out of the situation and realize

that my wife isn't my enemy, she's not trying to. to make me mad. She doesn't want to hurt my feelings. She doesn't want to make me angry. She wants me to be a good husband. She wants to be a good wife. And so when I realized, like, she's not coming from a place of trying to harm me. It really helps me get out of my own feelings and figure out, like, what things I can do to change. I love that. What I've learned is that the stories in your mind, as soon as you have an emotion of anger or frustration, it only comes from a story. What story you're telling yourself creates the emotion and from the emotion you start to take action. Like you shut down. Oh, she doesn't appreciate me. What do you do? What's the

action you take? You shut down. And then what are the results of that? Well, does that bring you closer or does that bring you further apart? And so when you start to realize that's the way that it works, what story might tell them? I got to reframe the story. How about like she's had a hard day and she's just looking to confide in me and I'm appreciative of that. And then what action am I going to take? I'm going to be more open. I'm going to be more loving. Going to be more patient, more kind. And then that brings you closer together. And it takes practice. It takes intention. And you have to have hard conversations. I see so many people that avoid hard conversations with the people they love the most because they are difficult. At least my experience talking to men, it's like when

we're connected to this woman. We only are vulnerable to usually very few people. And one of those people is our wife. So it's one of those things. Like we're opening our heart to this one person that we've chosen to live our life with. Yeah. And yeah. So it's the story, the feelings, the action, the results.

Change the story, change the results. Man, that's incredible. I agree with you. And whenever you start your, marriage retreat for real estate investor couples. You know, just send me, just send me the link. I'll sign up. Sweet. We'll do. We'll do it. All right, Mr. Philip. First and foremost, I want to say thank you for the openness and honesty, both around the deals that you were doing and how you did them, what went well and what didn't, but around marriage and life and some of these real conversations

that a lot of people are having. Before we go, can you wrap up? Give us an overall, what your portfolio look like and are you looking to do anything cool or crazy next? Sure. So right now, the portfolio is about a little over 20 million bucks, a lot of commercial, about 50% commercial, 50% residential, ski condo, a place in Florida that we Airbnb. So I think, you know, not to digress, but I think you can, you can get these places and then book out your two weeks. Yeah, I mean, you can have fun. Have someone else pay for it. Go to the ski place, go to the place on the beach. And meanwhile, now you own these assets and they're just part of your portfolio. So it's just another thing that I've done.

And right now I'm in the position of some of my assets. I want to parlay them. So I'm at a place with the equity that I have, I'm starting to look at 1031 exchanges. So to parlay all those profits, all that equity into bigger deals as I move down to Florida, I'm looking to get bigger deals and leverage the equity that I have in those. So that's the plan. And if anybody wants to find out more about you or learn from you, is there a place where they can do that? They can. On Instagram, it's Philip M. Henry with 1L. And then I wrote a book describing some of the strategies. It's called The Running in the Snowstorm. And it's on Amazon. And then I coach. I coach men, faith, family, fitness, fortune. So I have like it's four pillars. I feel like there's very, very few.

role models that are fit, are connected, have purpose, have a thriving marriage, and have financial abundance. And I look to plan my life and I invest in each one of those quadrants. And because before, I used to invest in one. And that was production. And I would just leave the other ones behind. And that is not an abundant life. I can assure you. All right. Thank you so much, Mr. Philip. thank you for sharing your story with us. And if you're listening to the story and you're thinking, man, I would love to be able to share my story with the Bigger Pockets audience. Well, you might just get to do that. You can head on over to www.biggerpockets.com slash guest. Fill out the form

and we'll go through it. And you may be able to just be here just like Philip sharing your story with us in the near future. Thank you so much for listening to this episode of the Bigger Pockets podcast. We'll see everyone on the next episode.