The Chris Voss Show - The Chris Voss Show Podcast – Dr. Jeff Anzalone: From Student Loan Debt to Real Estate Investor

Episode Date: December 9, 2023

Dr. Jeff Anzalone: From Student Loan Debt to Real Estate Investor Debtfreedr.com Show Notes About The Guest(s): ​ Dr. Jeff Anzalone is a periodontist, real estate investor, and entrepreneur. After overcoming $300,000 in student loan debt, he shifted his mindset and began investing in real estate to achieve financial freedom. Dr. Anzalone now helps other high-income professionals, such as doctors and dentists, navigate the world of real estate investing and achieve their own financial goals. He shares his knowledge and experiences through his platform, Debt-Free Doctor, and provides resources and coaching to help others elevate their health, maximize their wealth, and enrich their relationships. ​ Summary: ​ Dr. Jeff Anzalone shares his journey from being burdened with $300,000 in student loan debt to becoming a successful real estate investor and entrepreneur. After a traumatic accident at a young age, Dr. Anzalone was inspired by a plastic surgeon to pursue a career in the healthcare profession. He became a periodontist but faced financial challenges when a deal fell through right before he finished his residency. With the help of a mentor, he learned how to run a successful practice and eventually paid off his debt. However, he realized that he still had to work to make money and decided to explore real estate investing as a way to achieve financial freedom. Dr. Anzalone now teaches other professionals how to shift their mindset, invest in real estate, and create passive income streams to escape the rat race. ​ Key Takeaways: ​ 1. Financial freedom is achievable in a shorter timeframe than most people think. 2. Wealthy individuals have multiple income streams, with real estate being a common investment choice. 3. Balancing health, wealth, and relationships is crucial for holistic wealth. 4. Real estate investing provides control over finances and can offer tax benefits. 5. Understanding the difference between assets and liabilities is essential for financial success. ​ Quotes: ​ - "Most people are employees or self-employed, trading their time for money." - "If you replace your expenses with cash-flowing assets, you gain control of your time." - "Your house is not an asset unless it's generating income." - "The quicker you gain control of your finances, the quicker you gain control of your time." - "Anyone can provide value to others and make money by doing so."

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We have an amazing story, an amazing gentleman on the show. He's done some interesting things in his life. He's come from $300,000 in student loan debt to becoming a thriving real estate investor and entrepreneur. So we're going to be talking to him about what he does. Dr. Jeff Anzalone is on the show with us today. He helps the professionals shift their mindset to elevate health, maximize wealth, and enrich relationships. He is a periodontist who teaches a unique prescription for success

centering on mindset shifts. Through his platform, Debtfreedoctor.com. He empowers clients to elevate their health, maximize their wealth with real estate, and enrich their relationships to give them the life they want. And who wouldn't want that? Welcome to the show, Jeff. How are you? I'm great. Thanks, Chris, for having me here. Thanks for coming. We certainly appreciate having you. It looks like I already leaked out your.com, debtfreedoctor.com. Do you want any other.coms? Do you want people to follow you

on the interwebs? Pretty much all the links are on there for Instagram at Dr. Jeff Anzalone and then the YouTube channel is debtfreedoctor- Jeff Anzalone. There you go. So give us an overview of what you do over there in your words.

As you had mentioned, I'm a periodontist by trade, but I seek out real estate investments for my investors and bring those to them to allow them to acquire passive income streams so they can get out of the rat race. Get out of the rat race. I've seen that movie before. So tell us a little bit about your journey. You have an interesting story of how you got down the road of going from, you know, becoming a doctor and then eventually moving into real estate. Yeah, I had a pretty traumatic accident the day before I turned eight. You know, your parents said, you don't play for a fire.

I didn't listen. My friend and I, we made a little fire in somebody's backyard and there was this big red can in the corner. We're like, hey, what is that? Why don't we pour it on the fire and see what happens? When we did that, guess what? Boom, it flamed up. I had second and third degree

burns all over my legs. Anyway, I had to do plastic surgery, skin grafting, had to learn how to walk again. But the plastic surgeon made such an impact in my life. That was really the first time I'd really been around. Really? Yeah. Eight years old, you know. So he, Dr. Worthen, and he, I kind of knew at that point i wanted to be you know something in

the health care profession wow as i got closer to when i got in college i kind of thought back during during growing up playing baseball football basketball all the dads that were dentists they were coaching they were in the games they never missed a game all the dads that were physicians, they were always working. So I was kind of like, okay, I like that lifestyle better. You know, I went to dental school, got interested in surgery, oral surgery, decided to do a residency. And once I decided to come back here to my hometown, Louisiana, two weeks before I finished, I got a phone call and basically the group

pulled the deal off the table oh no you can imagine you know having a two-month-old 300,000 student loan debt holy crap we'd already bought a house with the interest-only loan and it's you know what the hell do you do you know just remember just, I've never been that scared in my life. It was just like, they don't teach you how to run a business or practice in Delaware Medical School. Long story short, I'm from a small town where it got out. A guy reached out to me, kind of had the same situation. He brought me under his wing, showed me how to run the practice. And then two years later, I bought a building, started my own practice.

Back then, Dave Ramsey was like the only quote financial guru back then. This was like 2005, 2010. He's a big get out of debt guy. So after eight years, I was able to get out from under the debt, including the house. So I started that blog, Debt Free Doctor, to kind of teach people my journey. I thought it would be great, but I was like, okay, I don't have any debt, but I'm still having to go work. I still have to go treat patients to make money. Two years later, we go snow skiing, get off the lift.

The kids cuts in front of me. I swear about killing and and I fall when I fall, my wrist bends backward back was my wake up call. Yeah. Because if big Jeff can't use his hands, he can't feed the boys. Yeah, that's true. You're as a doctor doctor your hands are everything so i was operating so risky and you know you never think about getting hurt or anything you're like

i want to work for four years right so i started just scouring the internet reading books meeting people and after about a year two main things came about. Wealthy people, number one, they have multiple income streams. Average of seven. Back then, I had one. Number two, wealthy people own real estate. So when you go ask somebody that's really wealthy, hey, what do you do? They don't tell you, I'm a doctor, I'm a lawyer, I'm a this. They say, I own.

I own businesses. I own a doctor. I'm a lawyer. I'm a this. They say I own. I own businesses. I own real estate. So that started to change my mindset, my thinking. Got into real estate. Now I'm teaching other doctors and dentists and high income professionals how to do the same thing. Not so much to go out and buy the Lambos and all that, but basically just to help mitigate your risk moving forward. Yeah. I mean, when you really think about it, a doctor is like a football player. You muck up them hands, especially if you're like a quarterback, you got a real problem.

And, you know, I think the NFL discourages their quarterbacks from doing kind of some risky stuff in their sports and stuff. Maybe, I don't know. I think they can't ride motorcycles. I think some people can't ride motorcycles. If I recall correctly, there was something about that. Like Ed McMahon, some of the top quarterbacks weren't allowed to, according to their contracts, ride motorcycles or something that would be really dangerous. I don't know.

I was a quarterback here at the local college, and they're pretty much on top of it. They discourage them from doing the kid stuff. So I can only imagine an NFL quarterback. Oh, yeah. I mean, you wouldn't want him jumping out of planes or doing something really crazy. So this is great. So you take them to your website, Debt Free Doctor, and they can learn from learn from you they can coach how do you have

it set up do you have community coaching individual coaching it looks like you do a lot through youtube videos et cetera et cetera first thing i want to do is educate people i just i just want to give them an option because i wasn't given an option and probably most of your listeners aren't just hey hey bubba come on in here for 40 years. You're going to put your money in the stock market. And man, when you're 70, you're going to be set. I'm like, what if I got a freaking hip replacement, a knee replacement, I can't go skiing or something.

It's like, why do you want to live poor for 40 years and live rich for 10? You don't think? But that was the only thing that I was taught. So I'm giving people a different option. And I'm giving them articles. I'm giving people a different option and it's, I'm giving them articles. I'm giving them YouTube videos.

I'm pretty active on Instagram. Just give them information just to start them thinking differently about how, how they're making money. You know, most people are employees or they're self-employed. Yeah. Think about, you know,

think about this, how, you know, if you're listening to this right now, think about how long could you take off work? Is it a week? Is it a month? Can you take off a year? Most people say no. Because they're trading their time for money.

We're trading our patience for money. Yeah. If you get to the point where you start replacing your expenses with cash-flowing assets, I've got a trailer park in South Louisiana that pays my mortgage. Holy crap. They don't teach you that in middle school. Yeah. Yeah.

And so basically, you help people make that transition and do stuff. You know, that's one of the aspects that we've had people talk about on the show, where one of the challenges of we've had people talk about in the show where, you know, if you're the, one of the challenges being a doctor or other businesses where you are the product technically, for the most part, being a doctor or, you know, some company, some people, you know, that are entrepreneurs, they are the company like me. I'd be a little hard to have somebody else do the Chris Voss show. It wasn't named Chris Voss, I guess. But, you know, you are the company. So if you try and sell it or do an exit, you know, it has a more challenge to its value because you're the irreplaceable product in there.

And you're right. If anything happens to you, you get sick, you go down for a while. A lot of entrepreneurs that run their own companies, you know, they can't afford to get sick, you go down for a while. A lot of entrepreneurs that run their own companies, you know, they can't afford to get sick and they can't afford to be down because they are the product or service. So one thing you talk about is holistic wealth, balancing health, relationships, and finances. Tell us a little bit about what that means. Most people are searching out help in those three areas, health, wealth, relationships. That's it. You know, think about right now, if you have a problem, more than likely it's going to fall in one of those three buckets.

And you have to sit down and figure out which of those three areas you need help in. It could be one, it could be all three. And it takes you just time sitting down. You may have a lot of money, but if you're working all the time, you don't have your health, what's the point? That's very true. If you're always out traveling by yourself, you don't have any relationships. So it kind of has all balanced out. So I'm really big on talking about looking at those three areas, especially with marriage. That's the most important decision probably you're ever going to make

because who likes to have their money? I don't. I like how quickly you went, I don't. Yeah, I mean, that's a big thing for men nowadays. The divorce rate is extremely high. And I think out of all the divorces, out of the divorces that are filed, 90% are filed by women in the educated class. By normal women, 80% are filed by women. There's something going on there, but that's for another show. But it's a thing

where you've got to protect your assets, protect your liabilities, your businesses. I remember living in a state at one point when I was engaged to someone and looked up the marriage, whatever codes, whatever rules and regulations, and realized that all of the companies I had in my empire that my business partner and I spent 13 years building, if I was to get married in those states they would be needed to become 50 shareholders and I was like what the fuck so you know you got to keep your head about you on that so it sounds like you teach everybody all the different aspects of financial well-being yeah I'm more active on Instagram, you know, showing sort of more of the lifestyle stuff. My kids are 16 and 18 and they were kind of like, Dad, you know, you kind of got to show what you do.

You just can't be at work all the time. So, you know, I'm very active. I make it a point to work out, do something every day, you know. There you go. It's very tough on the body. There's a lot of back, neck, shoulder, elbow. So, you know, I'm constantly stretching and working out. I recently started more focusing on counting macros

and watching my food and that was a game changer. What's the little thing? You can't measure. What's the thing called? Can't measure. Can't you prove what you don't measure? Oh, that's true. Probably. If you never look at your bank account and you probably don't have much in it yeah if you never look at what you're eating and once i started paying attention to that and the thing is it makes you become more disciplined yeah if you go to a doctor and let's say you go to your physical you know not to get your physical and he's over there he's about 350 you know he smells like cigarette smoke you know he's got the right here in the

scrub pocket he's got the ring the skull ring and he's telling you to eat right and exercise you're like i'm not gonna listen to this bozo yeah i don't know you know. So people respect people that look good, that are in shape. And it takes discipline. It starts there. If you're disciplined there, you'll get discipline in your finances and you'll get discipline in your relationship. So it all kind of interconnects. There you go.

I think I see your trailer home park that's here in your Instagram. There you go. That's one we just followed across town so i'm excited about that because i'm getting my kids involved because i don't want them to learn finances from the school system you know work your whole life i want them to at least be exposed to being able to go buy something provide a good product affordable housing for people treat them right learn how to market sell run a good product, affordable housing for people, treat them right, learn how to market, sell, run a business. If it's not for them, that's fine, but at least they're going to be exposed to it.

Definitely. So you're helping not only doctors improve their financial income, but they can improve the quality of their generational wealth they pass on down to their kids and family. I think it's so important. There should be entrepreneur classes in schools. You know, my employees used to always joke with me. They're like, if Chris ever has kids, they're going to, they're all going to go to bed at night and double the rest of the suits. And he's going to read the Wall Street Journal and he's going to read the Wall Street Journal to him. And today, honey, close your eyes.

Today, honey, IBM was up four points. And then by eight, I think they Journal to him. And today, honey, close your eyes. Today, honey, IBM was up four points. And then by eight, I think they used to joke, they're like, by eight, all of his kids will have a company or else he'll put them up for adoption. He'll have started a business at the very least, which is probably true. I mean, why not? I mean, it was better than what I did with my kids originally.

I just sent them all to military school until they're 18. i moved a couple times so they haven't been able to find me when they get out but no i i love what you're doing here and you know you're talking some of the things that you post on instagram you're talking about some of the confusion of of different things here you know some people saying a house liability house is an asset grant cardone says don't buy a house that's because he wants you to buy into his fund to buy houses for him i mean he's a good guy but you know don't use the fha to use the fha there's a lot of stuff going on with the markets and everything else and have you run into setbacks any setbacks or challenges in your investment journey and how'd you overcome it

yeah i sure have if somebody tells you to have it and then they're lying because everybody's failed right yeah there's something called crowdfunding and that's that's how i first started real estate and that's basically you look at a website and they have these properties and the way that i was originally picking them was, oh, that looks good. That has some really high numbers. I'm going to invest there. And I did a couple of small deals and they worked out well. So Big Jeff decided to go big with 50 grand.

Yeah. With a Oklahoma, Tulsa, Oklahoma apartment complex. Little did I know they did not disclose they were in the hood they bought in the hood everybody's moving out because everybody's getting shot so the guy buys the building and goes I'm gonna really fix it up to get people to move back in we didn't know that he was out of money all the investors lost their money including my 50 grand oh. Oh, no. That is not cool. That taught me a lesson. Now, I don't invest online, and I only invest

because I get to meet the people. I go to their property. I know where they live. If something happens, I know where to go get my money. There you go. I know where to go get my money. Where to get my money? You see my last name, Anzalone cecilia you know i can call frankie

found a few rusty nails through that thing there you go the you know i learned that too over the years of business. To me, if you don't own it, you don't control it, it's just such a high-risk thing to get lost, you know, between shitty partners and, you know, God knows what else. It's just... How many times have you heard somebody say, man, I was going to retire this year if the stock market was down? I got work in other years. So there's no control with year. The stock market was down. I got to work another year.

So there's no control with that. Here, you got control. People are bitching about inflation. You just raise your risk. You have control. No, I'm not being mean. I'm just saying, because when you're going to a restaurant right now,

they raise food prices, right? Because the vendors are, so you're just passing along to the customer. You have control in your properties versus stock market and things like that. You have no control. So is this for everybody? No, but people that want to really gain wealth

and I haven't even gotten into the tax benefits, which we can talk for hours on that. But if you learn how, if you teach your kids how money works and how taxes work, they'll be set and learn how if you teach your kids how money works and how taxes work they'll be set and learn how to sell pain changer definitely definitely i mean the tax base for you know is the real hidden benefit i think of of real estate people don't realize that the the depreciation the write-off or the interest write-off and stuff. And, you know, it's a slow, steady thing.

It's not a high-risk, stupid thing like crypto. Yeah, you know, I didn't even understand. I remember when I bought this building, my accountant said, okay, we're going to do a straight line depreciation, 27 and a half years. That just went over my head. I'm like, I don't know what to talk about. But now I get it. You know, I mean, you can buy something.

You can buy a building. You can buy a property. And the wear and tear, you know, the roof is not going to last forever. The floors, the walls, the fixtures. So the IRS allows you to write off the wear and tear of a property that's going up in value. I mean, that's the best thing since sliced bread. And if you play the cards right, you can take the write off, the depreciation, and offset

your income. I mean, I teach that all day long. And you do do it right you follow the rules think about not having a tax bill oh that's that's heavenly that's the whole beauty of it yeah and that's that's what the really really wealthy people do the problem is most people out there they think oh that's just that's just too hard to do whatever it's not there's the tax code is i don't know three, 3,000 or 4,000 pages. Only 15 pages, Chris, teach you how to pay taxes. The rest tell you how not to pay taxes. That's interesting. I didn't even know that.

They give all the benefits to real estate investors. Why? Because the IRS, the government doesn't want to be landlords. They give all the tax credits to people like you, business owners. Why? What do we do? We hire employees. What do employees do? Pay taxes, right? So if you're a business owner or start a business or you own real estate, you're going to get all the, but most people aren't. Most people are employees and they're bitching about all the taxes. But I mean, I'm telling you, if you,

if you don't want to be, if you want to have control of your finances, it's all you have to do. And freaking everything I learned is all, is online. I make more money outside of my practice that I went to school 12 years after high school. Then $300,000 worth of student debt.

Yeah. I made more money than all the stuff that I've learned online for free. I could, I mean, if I went to college right now, I wouldn't go to college. I tell my kids like, that's fine.

It's, it's, it's, dude, we didn't have the internet. We didn't have cell phones. Yeah. I mean,

I have the Britannica Encyclopedia. So I wanted to know what crypto was. I had to go get the CR and open it up. And now it's, hey, Siri, crypto, bada bing. Bada bing. The other great thing about the business of real estate is, you know, if you create any other sort of business, you've got to know, you know, all the aspects of business, marketing, startup, foundational. There's things that can go wrong. There's stuff that you've got to innovate. You've got competition.

You've got, you know, there's a million ways to die in starting up a normal business. With real estate, it's very simple. Buy a home and you try and make a smart purchase, I suppose. And then you rent it and you follow some different kind of rules and guidelines on renting and fixing stuff up and whatever the case is. But it's not like a business that you're just like, no one ever says, hey, you went bankrupt on that home? How'd that happen? I don't know. I, you know, Amazon came along and, and outbid me on, on the business. You know, it was stuff like that. Yeah. It's a very, it's, it's, I, I don't, I, I don't want to overplay it by saying simple,

but it kind of is compared to the shit that I do since 18, where I've been running companies. Yeah. I mean, you could, you could go get your kid. Cause you know, we got all this 529 money. 18 where i've been running companies yeah i mean you could you could go get your kid because you know we got all this 529 money now one of my kids in college is he was one of the valedictorian so we've got all this money they allow you now to go buy a house like if you wanted to go so we're gonna we're gonna buy him a house and guess what he's gonna do he's gonna rent out the two bedrooms and he's he's there you go he He started his, and I'm going to teach

you how to do that. Now he's renting a house. He's a landlord. You can do that. It's as easy as that. Right now, if you're living in a house, you rent out your room. Make sure you know who you're renting it to. If he's in college still, when he does that, is that what he's going to be in college still?

The money they charge for those college those college rooms freaking insane my friend like my friend he had to send his daughter to college and so he did the same thing he got her a place and the money that they wanted for stuff and then she was she was able to rent it out was more than what it cost for me to live and i'm like what's going on over there it's like it's like a mansion what the fuck is but you know it's in a college town so yeah think about the thing about the system we're in they they put us through the system you have you have to you have to study hard make good grades go to school right you get out you got all this debt, you're locked in. The American dream is to buy a house,

which is total BS because that's your best investment. So you've got to be in the system. People don't want to take risks because they're so locked in. And I'm giving people now a different outlook. You know, if I could go back, I would do things differently.

And that's what I try to teach is a different type of lens of looking at things, you know if i could if i could go back i would do things differently and that's what i try to teach is a different type of different type of lens of looking at things you know and once you do that it's you know i remember when my son he's 16 we were going to dallas he was like i don't know 10 or 11 he's like we passed like this huge apartment complex on the side of the interstate 520 and he's like dad dang look at that i was like what he was like look at that big old apartment complex yeah he's like can you imagine how much money the guy's making that owns that i was like dude you're 11 and you get it and it took me till i was like 40 you know it's just a different way of thinking you know and so it's a mindset for 11 years and i've never thought about that looking back i remember when i first bought my my big home

and i just went right from i didn't i just skipped starter home right to a big home and our companies were doing well and and i remember buying the home and a month later thinking of myself you know i bought this beautiful place in a canyon overlooking a reservoir and just it was it was one of three car garage the big windows in the back and i mean i could throw parties with hundreds of people there and i remember thinking about a month afterwards what did i just do i'm a single guy and i just bought this giant home just for me and i should have went over to the lower income part of town and bought i could have bought what five homes five starter homes you know cookie cutters you know the the ones people

start out with i could about five of those for what I paid for this thing. And I'm like, I could have bought five homes, lived in one, and then rent out the four other ones and, you know, have a future as opposed to this one that's now going to eat me alive. Yeah. And I thought, what the hell was I doing? But, you know, Insight's 2020. And that kind of leads me into the basic rule number one that people, I wish I would have taught this in high school.

You got to know the difference between an asset and a liability. Most people think your house is an asset. And I say, what's the definition? Assets, put money in your pocket. Liabilities, like my wife, take money out of your pocket, okay? I was going to do that joke, but you beat me to it. So when I tell people that, I say, okay, now that you know

that, is your house putting money in your pocket? They're like, no, but it goes up and I say, no, no, no. Unless you're renting it out, unless you're renting out rooms or you got, you know, I want to put 15 RVs in my front yard. We got two acres.

My wife won't let me do it because she's a neighborhood bitch, but I'm like, hey, who cares? But anyway, unless you're putting money in your pocket, taking money out, right? Your house. So why is that your best investment? What is the government?

The government and the banks and the IRS? They want you to get the 50-year mortgage, right? Yeah, yeah. And they're like, yeah, go get the house, bro. Give it to the bank. As soon as you give your money to the banks, boom, it's gone. They're buying real estate with your money. They're giving you 0.1%.

Oh, yeah, totally. It's not the greatest investment in the world. When I look back at how much we've been screwed, it's just, yeah. Totally. It's not the greatest investment in the world. When I look back at how much we've been screwed, it's just man, I was a sucker. Yeah. It's sad they don't teach this stuff in school, but

it's for someone else's benefit, not your own. But you've gotten savvy to it, and thankfully you've taught your kids not to join into the slave ship system of just you know go get a job and and work for you know billionaires work for yourself and do your own thing especially if something happens to you then you're covered some of the questions i had for you let's see what are some common misconceptions about financial freedom that you've encountered?

It's too hard to do. That financial freedom will come in 30 or 40 years when the financial advisors study it is. Really, that's what we think. We don't say, if you got out of school and somebody said, you can be financially free in eight to 10 years. It'd be like, my financial advisors said they need $5 million.

I can't do that. So that's a misconception. It's be like my, my financial dollars. So then they $5 million. I can't do that. Yeah. So that's, that's a misconception. It's, it's no, it's not, it's not at all.

You get out. Like, I remember the first time I got out and I got, once I got over that $50,000 loss, I started investing in what I mainly do now, real estate syndications. That's money in a group investment, like an apartment building,

a mobile home park, RV park, whatever. And when your money is sitting there, you get passive income quarterly or monthly. And back then I was getting a monthly. My first check was $333.33. I put 50 grand in. I was getting paid 8%. Okay. That's $333.33.

I was like, wait a minute. You know, that just paid my internet and electric bill. And then I did another 50 grand and I was another 330. I'm like, so it was almost like the Dave Ramsey debt snowball in reverse because, you know, now I'm like, okay, this is paying my gas bill. This is paying this bill. So it's like you slowly start to replace yourself with other things paying your income. And again, that's a different way to think about money. And the quicker you do it, the quicker, the most important thing is you have control of your time. Definitely. And time is one of the few finite things, or it's not one of the few finite things or it's not one of the few finite things but it's one of the most important and finite things that we have you only have so much time you have so many weeks on average in your life time is time is everything and especially when

you're in your situation where you're you know juggling your work that you're doing and everything else and then you're and then you're you know trying to. And then you're, and then you're, you know, trying to earn money on top of that. And the great thing about the passive income of, of real estate is it, it, it can work that time clock for you and make it so you can, you know, get around it. So how do people onboard with you? How do they reach out to you? How do they find out if you're fit? You know,

what are some different ways that they get to know you better and on board like i said i'm most active on instagram at dr jeff anselone or they can check out uh website debtfreedoctor.com my youtube channel's on there i'm publishing about two youtube videos a day the way that i I get content is people ask me questions. Hey Jeff, how do I invest in RV park or what's the cap rate or how do I do passive income? I take my questions and I turn it into content. I'm giving the people what they're asking for.

There you go. You got a free guide to passive income on your website? Yep. They can go to debtfreedoctor.com right there in the middle. Path of Income Guide. That'll get you started. We'll start sending you out emails, free information, and away you go.

There you go. Now, you have funds set up where people can do investments with you. Yeah. If they want to invest in projects alongside of me, they can do that. And they just put their money in. And then basically we pay you a return. We shoot to double your investment about every five to six years.

It's pretty damn good. If you don't want to do that, teach you how to do it. Where if you want to be an active investor, teach you how to do that too. So again, you have two pathways. You have full control there and you've got an investor log on your site,

education hub and all that good stuff. So this is pretty amazing. And you teach people through this whole thing. Is there a minimum accreditation they need to have as investors or to be coached by you? If you want to invest alongside of me in my deals, you have to be an accredited investor. If you want to go invest on your own, we teach you how to do that. You don't have to be an accredited investor. If you want to go invest on your own, we teach you how to do that. You don't have to be an accredited investor. I will tell you guys, if a redneck from Louisiana can do this, like literally all I could used to be able to do is turn a computer on.

And I've taught myself, if you go back to the one skill that started this, this is the reason why Chris and I are talking right now, is I learned how to start a blog for free online that's it i started debtfreedoctor.com and then it just kept on going kept on going so i encourage you if you have a skill or if you're interested in doing something as simple as starting a blog or a youtube channel i mean think about

what what you do for a living. Think about what you know. Like my dad has a hardware store. He can fix things. I'm encouraging him to start a YouTube channel where he shows how to fix stuff. I can't fix nothing, you know. But anybody can provide value to people. And the more value you can provide people the more

money you make most definitely and that's that's writing value there you go this has been super insightful to have you on the show give us the calm one more time for fun as we go out debt-free doctors calm there you go thank you very much doc for coming on the show we really appreciate it my pleasure there you go and thanks Morris for tuning in. Go to Goodreads.com, 4Chess, Chris Voss. YouTube.com, 4Chess, Chris Voss. LinkedIn.com, 4Chess, Chris Voss.

Subscribe to the big LinkedIn newsletter. It comes out every weekday. People love it for some reason. It's us. What can you say? The big 130,000 LinkedIn group. Chris Voss Facebook.com and Chris Voss 1 on the tickety-tockety. Thanks for tuning in. Be good to each other. Stay safe and we'll see you guys

next time.