Epic Real Estate Investing - Creative Financing Lab | 1057

Episode Date: June 22, 2020

In today’s episode, Matt is joined with Joe McCall, a skilled investor, a fellow podcaster, and a returning guest of the Epic Real Estate Investing Show! Tune in and learn how you can participate in the upcoming Creative Financing Lab, hosted by Matt and Joe, so you can prepare yourself for the approaching market shift using creative real estate investing! Learn more about your ad choices. Visit megaphone.fm/adchoices

Yo, what's up y'all? This is Doug E. Fresh. I'm the beatbox king doing my thing. But I know the king, the cash flow king, and everybody deserves a chance. Cash flow, and if you don't know, now you know. My man Matt, congratulations. Ten years, blood, sweat and tears. Epic real estate looking great while others hate. And try to investigate, but they got to.

to wait because you are great. Yo, I want you to know, man, Matt, I congratulate you, I celebrate you, and I want to do it in this way. Lottie-Dotty, we like to party. We don't cause trouble. We don't bother nobody where chest is a man that's on the mic. And when we rock upon the mic, we rock the mic, we rock the mic, right? Much love and respect and congratulations to Matt. Continue to be the best that you are.

Ten years and ten years more coming. Brother, hold it down. Epic, real estate. Feeling great. Love and respect. This is Terrio Media. Success in real estate has nothing to do with shiny objects. It has everything to do with mastering the basics.

The three pillars of real estate investing. Attract, convert, exit. Matt Terrio has been helping real estate investors do just that for more than a decade now. If you want to make money in real estate, keep listening. If you want it faster, visit r-e-i-aise.com. Here's Matt. All right, welcome to the epic real estate investing mastery podcast. Yes, it's your old buddy Matt and Mr. Joe McCall, my good old buddy over there.

Hey. How are you? I guess I should say hi first. Doing well, buddy. Doing well. He decided to do a combo podcast, give you two for one. That's right. Matt and I have been friends for quite a while.

And his podcast is older than mine. I hate to admit it. He's been doing it a little bit longer than I have. We debate on that. I don't think you really mean that. But you're just acquiescing for this recording. Just being nice. But anyway,

Matt's a good friend. I love working with Matt. So this is the, we've done a podcast or two before. We've both been on each other's podcasts and we just said, hey, let's do a podcast together. Let's do something super cool for our audiences. And because I think we're coming into some uncertain times. And when there's uncertainty, there's a lot of opportunity. And people are getting scared. Wholesalers are on the verge of going out of business.

There's a lot of things going on right now. and we want you all to be positioned going forward over the next one or two years to best profit from the uncertainty that's coming in a good way. Because there's so many deals out there to be made. So we are going to be talking about creative financing in this market. And I can't think of somebody better to do the podcast with than you, Matt. Well, thank you, Joe. And likewise, because you're pretty good at this stuff too. I've been doing it a long time.

Yeah, no, it's, I think about that right now because there's, you know, there's no shortage of people out there right now giving advice on what you should be doing here. And, you know, Joe and I, we've been around for a while. And Joe, you know, I mean, there seems to be a new guru in our feed every other day, right? If I could tell you the stories, Matt, of the guys that, I won't even say it. I won't even say it because it's just not going to do anybody any good. Yeah, that's good. Okay. But the point being is, you know, most people that you're seeing right now, I think this is a fair statement. I haven't taken actual roll call or anything. But a lot of them are really young. So they haven't been alive long enough to go through any other type of market than the one that we've been in.

Yeah. And or they've been doing it less than 10 years. And if you've been doing it less than 10 years, then, you know, any advice, any information is well, intended as it may be and there's a lot of great people out there that want good for the people that they serve but um it's all it can only be secondhand information it can only be uh you know something they read somewhere or something they heard somewhere or just a guess right man i remember man and i was one of them that uh lost my shorts on the last um crash and i know a lot of guys that lost everything And I would rather take advice from somebody who's been through some ups and downs and been through the cycles and survived and thrived and became a better investor because of it.

And some, you know, it's honestly in the last five, seven years, it's hard not to make any money in this. Right. Like if you're wholesaling deals, it's like hard to lose money. It is so, it has been so stinking easy. And we've gotten fat and lazy and complacent. not realizing or not thinking that you know what house prices are not going to go up forever and deals will not always be this easy and so where you could maybe for the last five to seven years get away with being a one trick pony and just offering cash on deals you're going

to have a hard time doing that in the market going forward and so when for me when I was doing the most deals was in 2008 through 2010 and 11 during when the market was falling and a lot of investors, even realtors were fleeing the market, getting out of the market. But I was doing a ton of deals because I was doing creative deals like lease options, right? And so there is a tremendous opportunity now. You guys need to understand this to get trained on how to do creative financing deals. So you're not just making one offer to a seller at cash. What are you going to do with the leads that don't have a ton of equity? Or what are you going to do with the leads that they're not going to sell it to you for 70 cents on the dollar. What if you could offer them 90 to 100

cents on the dollar? Give them their asking price as long as they're willing to wait for it. And you can do that with lease options and or owner financing. So there's an incredible opportunity here. So be careful who you get your advice from, right? Amen. You got to be, consider where they have been, where their experiences. You know, I remember listening to a, and I forget who it was, but it was an interview with a high level CEO who's had tons and tons of businesses. And he said he would never hire somebody on his executive team who had not failed in business before. This might have been Richard Branson. Don't quote me on that. I don't remember who it was. But the whole point was failure can be a good thing. If you've been through ups and downs,

you have that experience behind you to know what works and what doesn't. And so anyway, that's why we decided let's do a creative financing case study. And Matt, can talk about owner financing, which he's done a ton of and subject twos. And I can talk about the lease options. And really, man, it comes down to this. You know, instead of going, if on average you need one, you get, you get 30 leads to do one deal. So like instead of getting one out of 30 offers accepted, what if you could get three out of 30 offers accepted and triple your deal flow? Yeah. Just by giving the Seller a couple more options, right? Yeah. Yeah. You know, Speaking on what we were, you were just talking about, you know, if you were to go back again, Joe, knowing what you know now, what would you've done differently in, say, 2007, 2008 that you might be looking forward to getting a second chance of doing it again right now?

Well, I wouldn't have taken on so much debt would be the big thing. Because I just figured the market would always appreciate. The market would always be specific about that. What kind of debt were you taking? I was borrowing a lot of private money on second position notes on these properties. Okay. I was figuring, I was okay with just, you know, a little bit of equity. I was counting on future appreciation.

I was ignoring the fundamentals. You know, I was buying properties of only $100 to $200 a month in cash flow, not saving aside, setting aside any money for future unforeseen circumstances. So I only had one exit strategy. That was another big thing, a big mistake I made. I only had one exit strategy. I didn't have multiple exit strategies. So if the market went bad, what could,

I do to protect myself, my assets and all of that. And I just owned too much debt. Now there's, there's, I stop you right there before you go. Yeah. Because you had said something. I tried to ask you, what do you mean by debt, what type of debt? And you said something really key because I don't think debt is the answer. Like, that's not due debt. I think debt is super powerful. And I think you want to get as much as you possibly can right now. I think it's the opposite. But you were getting debt on second loans in low equity positions. Yeah. Yes. That type of debt.

We don't want that. I should clarify that. Yeah, yeah. No, because, I mean, really, the way that we're going right now, I think debt is king. I think you want to borrow as much as you possibly can. I'm not saying irresponsibly. I'm not saying, you know, make a bunch of dumb choices just because someone's willing to give you the debt. You have to know what you're doing with it.

And I think another big advantage of debt right now is, you know, with the amount of stimulus going into the system. realize, Joe, they injected more cash into the system in March for COVID-19 than they did all of 2007-8, 2007-2008. In one month. In one month. It was like a 30, 45-day period. Yeah. So, you know what that does?

It depreciates the dollar. We're probably going to see a good chunk of inflation here over the next few years. But what that also does is it depreciates your debt. So your debt becomes less. So you'd be using more dollars that you'd be paid to pay the same amount of debt that you've got right now. So that's really key. And the other part about debt that helps you when it comes to creative financing, it helps you to control a lot of property with minimal money from yourself.

And the saying is the rising tide lifts all boats, right? And I kind of ask you that question, and I'll let you finish the answer just a sec. but I was really kind of thinking for myself as well, what would I have done differently? I would have done more deals. More buying whole deals. Yeah, because the mentor that I had at the time, his whole thing was about control.

It wasn't about buyer's sell. It was about control, control, control, control. And he says, if you control a lot of boats when the tide rises, it's going to lift all of them up. Right. And so I was a little bit, I was brand new, not brand new,

but it was, I was newer and not, as confident as I am now. And I would have bought more. I would have controlled more. Let's put it that way. But anyway. You know, it's important, though, you understand the fundamentals.

Like, debt is good, but you got to make sure the numbers make sense. Absolutely. Absolutely. You got to make sure that the property cash flows. You make your money when you buy. And the thing that I love about what Matt is doing, and even with me, I'm giving sellers what looks like a ridiculous offer. right, but it's really not because we're getting it under such great terms.

So it's either price or terms. We're going to be spending a lot of time talking about this in this creative financing lab case study where we're going to be showing you how to offer creative terms. And if the seller is stuck on price, give them the price. It's either price or terms. And you can negotiate or pull either lever, right? Price or terms. And so we're talking about, guys, let's just use simple round numbers where, you know,

if a house is worth $200,000, you know, we could offer the seller $180, $190,000, maybe even a little more with principal-only payments, for example, right? Or low interest rate, even a lower price. But like there's different, there's really, really simple creative ways that you can structure these deals where you're building up the equity over time, not even counting the deductions. And so I've always been kind of more of a wholesaling, just quick nickel rather than a slow dime. So a lot of my audience has been conditioned to that. I've been talking about lease options, just flip them, you know, get in and out real quick. But I love getting Matt now to talk about, all right, let's start thinking about long-term wealth building here.

Let's start thinking about buying a portfolio of assets that generates cash flow for the rest of your life, right? There's a whole lot more to this. Yes, and the creative structure is just, it allows you to do that. It allows the average person to build a significant amount of wealth without having a lot of wealth of their own. The other thing I like about this is what it'll do for you. You know, there's a big complaint in the marketplace about every market is saturated. Everyone thinks there's too much competition. The virtual wholesaling, the virtual investing is such a big thing because everybody hates their market.

and they think they don't have a chance in their market, so they want to go somewhere else. They want to go over to where the grass is greener, right? Yeah. But what the creative structures allow you to do also is to play in an area where there is no competition. You know, you'll hear that. Oh, I love this. Talk about this more because you're doing deals in Vegas right now, super competitive. Yep.

But you're reaching some sellers that no other investors are. Yeah. Everyone is looking for, you know, the out-of-state absentee owner of a vacant house with low-equip. or its own free and clear. And I love those too. We all love those. But no one is mailing to the low equity people. And because nobody knows how to make money on low equity.

Because if there's low equity, you can't flip it. That one strategy you got, that wholesaling strategy is just not going to work there because you're not going to be able to buy it deep enough unless you go and negotiate a short sale with the bank. But there's so much opportunity in that and so much money to be made with very little or minimal outlay on your own that yeah you're playing i don't know i think blue ocean might be too strong of a term but there's a whole lot less competition there yeah what if you could offer something to a seller that has little to no equity and you're going to start seeing more and more of them in the coming days ahead right what also though if you could find somebody that has a lot of equity

and offer them full price yeah for their house what if you could do that oh my gosh What if you could offer them more than anybody in the retail market would offer them? That sounds pretty exciting to me. But you may be thinking like, what are these guys talking about? Well, it's not that hard. Really, we're talking about creative offers, creative financing. You can make a full price offer on owner financing, right? But really good terms.

Low interest or 0% interest. You can offer a lease option on a low equity deal and just assign the lease option, be done, be out of it. Or if it's in a good appreciating area or if it has good cash flow, maybe you could stay in the middle. Maybe you could take over the mortgage, right? And get the principal pay down over the next 10, 15, 20 years. So there are so many opportunities, so many different ways to do this, guys.

If you want to be successful in 2021, 22, 23, and on, you need to learn how to make more than just a cash offer. You need to learn how to make more than just a lease option offer. If you're from my podcast or on my list, you need to know how to make more than just a lease option offer. You need to be more open to creative options. Now, just imagine again, going to the seller instead of getting one out of 30 offers accepted, getting three or four or five, right? You need to do. This is what you need to do. And I don't like to be lectured to, but I'm about to lecture.

You need to stop identifying yourself as your exit strategy or your acquisition. position strategy. Like, I'm a wholesaler. I'm a lease option expert. I'm a subject to guy. I'm even like, like I'm just an apartment buildings or I'm just in, you know, storage facilities. You just stop that. You need to call yourself a real estate investor. You need to be well-rounded real estate investor. And certainly you can have your preferences. You can have your specialties. But marketing is just too darn expensive for you to just wait for the right opportunity to come along when you can make money on almost every opportunity. that does come along.

It's a great point. And if you're calling yourself a wholesaler, I would suggest everybody just kind of stop doing that. You're, and stop gloating and showing off your, your checks and look what I did. I wholesaled and I did it.

You're drawing way too much attention to yourself. You know, and Illinois has already taken huge steps. Still ways around it. I mean, it's still not illegal to be a principal in your own transaction. But, you know,

the, The realtor association is one of the more powerful lobbyist groups in Washington. And if they feel you're stealing money from them and that's exactly what they feel right now, you need to stop that. So this is a good opportunity. Cut wholesaler and just call yourself a real estate investor or even better yet. Call yourself, I'm just a deal finder. I'm a deal finder. I think that most people are so concerned about where am I going to get the money.

How do I get hard money? If I don't have the right credit score for the banks, where am I going to get the money? Where do you find private money? God, if I hear that question one more time, I think I'm going to scream, Joe. Private money is relationship money. There's not a website that has a bunch of private money lenders because they're not private money. They're professionals now because now they're on a website. They're fair and officially hard money lenders.

It's relationship money. And if you can't build a relationship, you're not going to have private money. So there's your answer to the private money. We're going to be teaching you how to do that. Absolutely. You're going to show you how to do all of that. But being a deal finder is the most. valuable piece that you bring to the transaction. It's not the money. The money is a commodity. The money

is everywhere. There's no shortage of money in the system for a good deal. The reason that is is because people have a harder time finding good deals than they do finding the money. There's a lot of people out there with money. What do I do with it? Who do I give it to? In the economy that we live in, with the interest rate is so low. I mean, you basically lose money by putting money into a savings account or a CD or a money market account. They want deals. So if you are good at finding deals like Joe and I are going to show you how to do, then you're going to have all the leverage.

You think you're at some sort of disadvantage because you don't have money. No, you've got all the advantage in the world if you're good at finding deals. And if you've got a good deal, the money will come, always every single time. Nobody ever believes that, Joe. Why don't they believe that? Because it's not happened to them yet. When it does happen to you, you'll realize, oh, my gosh, it was that easy. You were so right.

It wasn't that hard. I thought it was supposed to be complicated and difficult. Yeah. So raising the private money if and when you need it is not that hard. It's a lot easier than you think. So Matt and I have been talking a lot about, okay, what are we going to do? Let's do a case study. Let's talk about this stuff.

Let's teach it. And so we decided let's do a live mixture. I love the format of this. It's a mixture of teaching and then doing and implementing and reporting back and your results and we'll coach you through it. So it's kind of like a coaching and implementation thing where we're going to teach you for six weeks on a Tuesday. We're going to go live.

Me and Matt, we're going to live teach you something, how to find the buyers, how to find the sellers, how to do the marketing, how to raise a private money, how to negotiate the deals, how to structure the deals,

how the paperwork works, all those good stuff, right? There's not going to be one of these, just a Facebook live thing. No, it's going to be, we're here live, you're there live,

we are interacting. Yeah. Right? And if you're like, hey, explain it again. What is that again? We're going to be giving you all of our best stuff. And we're going to be teaching this stuff live on a Tuesday. And then we're going to, that's going to give you a couple days to go out and implement it.

We're not going to be overwhelming you with all of the A to B, A to C's steps. We're going to say, all right, here's like the first two steps. Go implement it. And then report back on your results on Thursday. And Thursday, we're going to do a coaching call. And we're going to be, you're going to be coming in and you're going to be reporting on your results. And we're going to be helping you. And then we'll come back again the next week, Tuesday, teach another little thing, give you time to implement it.

You come back, report on your results. So, you know, I think one of the biggest mistakes educators make is like, we just dump it all on you all at once. I don't know why I do that. And it just gets overwhelming. You're like, oh, my gosh, I quit. I'm so confused. Well, what if we just gave you little bite-sized chunks at a time, gave you time to implement it? You go do it.

Report back in your results. It's okay to make mistakes, right? We're going to help you, maybe even partner with you on some of these deals. That's what I'm excited about. Some of you guys are going to find some deals and you want to partner with us. You can bring it to Matt or bring it to me and we'll review it and maybe partner with you. I don't know. Wouldn't be the first time.

No, done plenty of that and I want to do plenty more. So we're calling this thing, creative financing lab. And I keep on forgetting to pull up the date. But it starts in two weeks as we're recording this now. So as you're listening to this, it's going to be next week. We start on Tuesday. I'll find the date here next time Matt starts talking. look at the calendar and figure out the date it starts.

But it's just going to be like a case study. I've done several of these before. It's awesome. I love it because we're going to be working closely with you guys. We're going to be holding your hands. And the more you implement, the closer that we are going to work with you. So this is, I'm excited about this, man. And this is going to, I'm looking forward to learning a lot from you.

And here's the other cool thing is I'm going to be implementing it all with you guys. because my son, who's 16, is doing some marketing for us. We've already done some deals, but I've not done any of the deals that Matt is doing on the owner financing side of things, right? So I'm going to get my son to do some marketing and all we've got some ninja marketing things to show you, like how to pull up older listings on the MLS properties

that are actively listed that are free and clear that have a lot of equity and how you can send offers directly to the owners. And like this is ninja high-level stuff. I've never seen anybody else teaching this. And Matt's doing it. And we're going to be sharing this with you guys, right? And I'm going to be sharing with you my best marketing stuff for lease options. But yeah.

And I don't know. I'm always interested in what you're doing, Joe, because it seems like you always found a little loophole somewhere. You figure out a little trick or something like that. So I'm always interested to stay up to date and up to speed with you. But I'm bringing all of my marketing materials. I'm bringing my cover letters, my envelopes, my offers, the way that I present the offers. I'm bringing all of that, all the contracts, everything. and I assume you're doing the same.

Yeah, I'm not holding anything back. All right. Matt and I do a lot of similar marketing, but a lot different marketing deal. Like I rely heavily on virtual assistants to do a lot of my marketing for me, getting leads off of sites like Zillow and Facebook Marketplace and Craigslist and go section 8.com. So I'm, and all of that marketing, super cheap.

You know, if you do it yourself, it's free. Right. And so you're going to be learning how Matt's his favorite ways to find leads, my favorite ways to find leads. You get all my contracts. You're going to get all of my scripts, all of my calculators and checklists and all that stuff. You're going to be getting mats. So it's going to be, I'm going to be teaching mainly on lease options, marketing and lease options systems. Matt's going to be talking about marketing systems and kind of owner financing, maybe a little subject twos.

Like what do you, because I don't really teach that. And you guys got to know, again, we're talking about being transaction engineers, being real estate investors, not wholesalers, not lease optioners. What if that's the word? Like, how to be real estate investors and how to capitalize on this uncertainty that's coming into the market. And if you want to make a lot of money in the next couple years ahead, you've got to be good at this creative financing stuff. Amen to that. So I got the date. You ready?

I'm ready. Let me write it down. I'll put it in my calendar. June. It is in your calendar already. We are starting June 30th. June 30th. I believe that's a Tuesday.

And Matt and I have been talking a lot lately, just mapping out the content and figuring out, okay, let's talk about this. You'll talk about this. I'll talk about that. And you're going to get both of our brains in this teaching you exactly what we're doing. So we start June 30th.

And we go live. It's going to be on a Tuesday. We'll probably do the class sometime in the afternoon. If you can't make it, that's okay. We'll record it. Everything's going to be recorded. But our big goal is we're going to give you a little bite-sized chunks at a time. Real simple, simple, copy and paste, swipe and deploy, step by step.

You go out and do it. We're going to give you homework and checklists at the end of each lesson, right? You go do it and then come back and report on your results. The Thursday, so that would be of July 1 or 2 or something. we're going to be going back live with you on another coaching call, and we're going to help you look at what you did. You're going to report back on your results. And it's kind of like an accountability thing.

We're going to say, all right, who did this? Who did their homework, right? And you're going to say, hey, listen, I talked to a seller or I did this, and they said this, and I don't know what to say. What should I have said differently next time? So on these coaching calls, we're going to be doing a lot of deep dive into the deals that you're actually working on, which I'm really excited about. We're going to pull up the property on Redfin or Zillow or whatever,

PropStra. We're going to be diving into the comps. We're going to be showing you maybe what you could have done differently next time or how you go back to the seller and make this offer or make these three offers. Go ahead and give them a cash offer, an owner financing offer and a lease option offer. And you'll then be able to go back to the seller, talk to them again, make them another offer. Make sense? Totally.

Yeah, no, Joe and I, we sat and really thought about this. How can we structure this? So in the six weeks that we get to spend together, it actually makes a difference in your business and a difference in your results, right? It's, you know, it's not just all about learning new stuff and going, ooh, cool, that's great. Now I know. No, we really wanted to have an environment where you could implement and be supported during that implementation. So I'm excited about the outline we came up with in, uh, you know, and we're going to do it live.

So we'll only be talking about what, you know, obviously we'll lay the foundation, but then it'll be totally customized, I guess, is the word, in the direction for your needs. So it's going to be specific for you. Yeah, creative financing lab.com. It's not going to be cheap. It's not for everybody,

but we're going to give you the opportunity to split it up in payments, you know, and we don't charge any penalties or interest if you have to split it up on payments. But just check it out, creative financing lab.com. I'm excited about reporting on our numbers as well. One of the things that Matt likes to do and that he's doing right now,

and I've been talking to him about this, this was the whole genesis of this. He was telling me what he's doing. Holy smokes. I can get my son to do that. That's a great idea. And then, so I'm going to be reporting back on our results too,

but one of the things that we're doing is we are pulling properties that are listed, actively listed right now in the MLS. All right. And we have this little trick up our sleeves, which is amazing. where we can find those properties that are listed on the MLS that have a lot of equity that are free and clear.

And you can even, now that we've got it set up like this, you can say, all right, show me all the properties that are actively listed on the MLS that are over 30 days or whatever, that haven't sold yet, that have maybe a lien on it, maybe are in bankruptcy or maybe are pre-foreclosures or have high equity, free and clear, no equity, maybe properties that are vacant. So we have ways now that we can pull these activities. Because you know they want to sell it. You're not sending them any kind of marketing saying, hey, do you want to sell your house?

Like you know they want to sell it, right? So we're pulling these properties with high equity and low equity, and we're sending them offers. And we're just sending, sometimes we'll send it to the realtor. Sometimes we send it directly to the seller. But we're just sending them offers and giving them their price. Right. If they can give us our terms.

Go ahead. Absolutely. No, you're right on the money. And I'll show you how I'm actually getting the realtors to do a bunch of this work for me. Yeah. Like I, I have a little system where I send them the list and I tell them what to do and then they

go and do it. And they're happy with it. I'm happy with it. And you're finding deals that, you know, people have kind of forgot about. Everyone's seen them and kind of stepped on because I didn't think there was any opportunity there, but there's plenty right there. Lots and lots of opportunities. And you think real investors have always had this adversary relationship with realtors.

Realtors are your best friends. You know, they have access to 80. 90% of the deals out there. When the seller wants to sell their house, they don't call home investors. They call realtors, right? And the realtors, if you have good relationship with them, they're going to bring those leads to you.

And a lot of them are already on the MLS. A lot of them are. I'm going to share you tactics on how you can send marketing directives of the owners of some of these properties about lease options. Just a simple letter saying, hey, have you thought about it doing a lease option, right? when they call, you're not going to get a huge amount of calls, but you're going to convert a high percentage of those deals into a lease option. And it's not that hard, guys.

We're talking about making these offers. I've learned a lot from Matt over the years on his calculators. He's got great calculators that just breaks it down real simple. It takes you to put in a few inputs, and it gives you several outputs. And you just put it together and you send it to the sellers. You talk to them, you follow up. And these systems can be duplicated. this is what's so cool.

These systems can be duplicated in multiple markets around the country. So you don't have to be doing this just in your area. You could go pick three, four markets. Oh, my gosh. I'm so excited about this. We're going to be showing you ways that you can actually get a team of virtual assistance to go out there and start making offers for you, making offers for you, reaching out to realtors,

sending offers to sellers, and offering them different options rather than just cash. Nice. Cool. Well, we start June 30th. June 30th. You go to creative financing lab.com to get all of the details. And if you like what you see, we would be honored for you to enjoy us or join us.

You can enjoy us too. And we will give you all we got. Because I know that Joe and I have both been through the type of market we're about to go through. And our favorite thing is to help people that want to help themselves. So if that's you, then we're going to be open books and give it to you. Yep. Awesome. So we're going to be coming back at you more this week with some other Facebook lives, YouTube live videos, maybe a couple more podcasts.

You're going to be hearing a lot about this from us. This is going to be really important. And we are shutting the doors on June 30th when the classes start. So I'm really looking forward to working with you, Matt, on this. And working with both, your listeners and mine from this podcast. It's going to be a lot of fun. For sure.

Nope, can't wait. All right. Thanks, everybody. Go to creative financinglap.com. All right, Joe.

Thanks, bud. We'll see you guys. Financinglab.com. Take out. Oh, bye. Yeah, yeah, we got the cash flow.

Huh. Yeah, yeah, we got the cash flow. Yeah, yeah, we got the cash flow. You didn't know home for us got the cash flow. This podcast is a part of the C-suite radio network. For more top business

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