The Money Mondays - How These Founders Built Wealth Through Sales & Real Estate | Moe Falah & Brad Sumrok 🌏EP128

Episode Date: June 30, 2025

What happens when one founder exits an 8-figure solar company and builds a Medicare empire—while another amasses over 11,000 real estate units through strategic investing? In this of episode Money Mondays, Moe Falah and Brad Sumrok share how they each built serious wealth—one through sales and residual income, the other through multifamily real estate and syndication...---Moe Falah is a serial entrepreneur who scaled a door-to-door solar sales company to 400 agents, $150M in sales, and an Inc. 500 ranking—before exiting at age 27. He now leads Better Life Group, a fast-growing Medicare insurance business with a revolutionary compounding income model. In just 72 days, his team signed 10,000+ clients and scaled to 200+ agents. Moe is passionate about helping others build passive income through high-performance sales systems and remote opportunities.---Brad Sumrok is a nationally recognized real estate investor, mentor, and speaker who has syndicated over 11,000 multifamily units across the U.S. After leaving a 14-year corporate career, he raised millions in capital, built a thriving investor community, and now helps others achieve financial freedom through apartment investing. Brad also runs seminars, masterminds, and charitable initiatives focused on empowering individuals to build wealth through real estate.---Like this episode? Watch more like it 👇This #1 Sales Trainer Has Trained 1.5M+ Salespeople | Daniel G: https://youtu.be/fYMgfG0rf2IHow to Build Wealth & Influence Fast w/ Rudy Mawer & Christopher Kai: https://youtu.be/5Bk0XutrLzEFrom Rock Bottom to $60M in One Year w/ Andrew Bachman: https://youtu.be/xd4DRx78o_QHow to Start a Company Without Quitting Your Job w/ Kim Perell: https://youtu.be/i5EeoPeP8s4Watch ALL Full Episodes Here: https://www.youtube.com/playlist?list=PLs0D-M5aH-0IOUKtQPKts-VZfO55mfH6k---The Money Mondays is a business podcast here to teach you how to make money, invest money, and donate money by showcasing some of the world's most successful people and how they do the same. Hosted by serial entrepreneur Dan Fleyshman, the youngest founder of a publicly traded company in history, this money podcast gives you an exclusive behind the scenes look at how the wealthiest celebrities, entrepreneurs, athletes and influencers make, invest and donate money.If you want to learn more business and investing while you work to improve your financial life, you're in the right place! Subscribe: https://www.youtube.com/@themoneymondays?sub_confirmation=1Dan Fleyshman,The Money MondaysLearn more here: https://themoneymondays.comWatch all the podcast episodes: https://youtube.com/playlist?list=PLs0D-M5aH-0IOUKtQPKts-VZfO55mfH6kLet’s Connect...Website: https://themoneymondays.comPodcast: https://podcasts.apple.com/us/podcast/the-money-mondays/id1663564091Twitter: https://twitter.com/themoneymondaysLinkedIn: https://www.linkedin.com/company/the-money-mondays/about/TikTok: https://tiktok.com/@themoneymondaysFB: https://www.facebook.com/The-Money-Mondays-110233585203220/

Ladies and gentlemen, welcome to the Money Mondays. This podcast is normally inside of an RV motorhome, but we're in Miami, figured why not go to the Move Studio. They have three different locations here inside of this building, and I figured why not use this studio to bring in special guests. We're doing six episodes in one day, and this guest, Mr. Mo Fala, was deep into the solar game, going all over. I was watching him scale this business,

and then he exited the company and decided to get into the insurance game. So I'm going to find out everything we can, but first we're going to get a quick two-minute bio, so we can get straight to the money. Awesome. Dan, thank you so much for having me. Moov Studios, great location. Thanks for hosting this today.

Quick little bio. I've been. Thanks for hosting this today. Quick little bio. I've been in sales for quite some time. Started selling since I was 15 years old. The idea of working for an hourly just never really made sense to me, but when I was really young, what always made sense to me was margin. The idea that you could buy something for a dollar

and sell it for three and you can make two, how many times can you repeat that? And I realized that that's actually like how business works. It's just all based off of margin, right? So I got into sales 15 years old, up until the point I was 23 is when I got into solar. I went door to door, learned how to do the whole entire solar game, recruited people,

built it up to about 400 agents. We- 400? About 400 agents. We opened six offices in three states, California, Texas, and Florida. In three years, we sold just a touch under 150 million dollars worth of product.

All door to door, no ads, nothing like that. Company got ranked by Inc. Magazine as the 44th fastest growing privately held company in the nation. And in late 2022, sold the company and retired at 27. Sounds boring. And then I got really bored. Yeah.

All right, so you're 27 years old, you have this ex, you're like, okay, I'm going to golf, I'm going to go to the beach, I'm going to travel a bit. And you realize, all right, I you're 27 years old, you have this exit, you're like, okay, I'm gonna golf, I'm gonna go to the beach, I'm gonna travel a bit, and you realize, all right, I got the entrepreneurial bug again. Why decide to get into an insurance game when you have all these different options? Yeah, you know, like, I wanna take a look at something

that could embody my skillsets. And I knew that as a sales leader who can drive vision, who can drive performance, production, and attract high quality individuals that I should look into something where I can help create opportunity for more people. We created about a dozen millionaires in my previous company,

and I wanted to be able to do something, like that's a great thing, right? Making money, working on the money, money, Monday. The impact that we were able to make on people's lives once they were able to, you know, buy their first home, buy their first investment property, take care of their family, have their first kids. Like you can't do any of that stuff unless you make money. So I realized that my ability to help other people make money was a gift. And so I wanted to find something where I could create a sales opportunity for people to succeed and grow. And after spending a little bit over a year trying to find out, okay, what is the thing that I want to go into? I ended up running into this guy who

was selling Medicare and I was like, Medicare, what the hell is that? You know? And he, we dove deeper into it. Took, it was probably about six months worth of investigation to determine like, this is the thing that I want to do. And you know, it's a tremendous opportunity. We're helping a lot of people and yeah, that's kind of how it worked. So you dive in and typically when you start to get into a company, you got to figure things out as you're growing.

What happened where all of a sudden now you went from practicing, hiring some people to, whoa, we're scaling. And then you call me like, well, we're really scaling. And then you're like, oh, by the way, we just got this humongous office. Like, walk us through that. Because it's been a pretty quick timeframe. Yeah, so, you know, I think one of the most important things

is making sure that you have the right people on your team. And like, we would not be able to do what we've done if I didn't have, you know, an incredible COO, incredible administrative team, our head of HR, like our sales leaders. If we didn't have great people, we wouldn't be able to have done what we did. But one of the benefits that I had

was that I had reference points. I could look back at my previous organization and be like, okay, this was awful. I will never repeat that mistake again. This is what I need to look out for. This is what I need to look out for. This is what I need to look out for. And so I was able to quickly distinguish like who is great and who isn't great.

You know, we, we started just pushing and had full belief. We had a good mentor, you know him, Justin Brock. We had a good mentor that guided us on like, Hey, these are the things you should avoid in the space. This is what you should do. We got the right technologies in place and in our first 72 days, we acquired 10,000 customers. 10,000 customers in 72 days.

Yeah, we started on January 6th with 12 agents and we're a little bit over 200 agents now, but in our 72nd day, we had hit the 10,000 customer mark and about a week and a half ago we hit 20,000 customers. Wow. Yeah. So what do you do now? How do you keep scaling that?

You know, really it's like, it's a matter of like still hiring the right people. Like that's what I'm spending most of my time on right now is finding great leadership talent and finding great executive talent. You know, the quality of your people is gonna determine how big your business grows. And so not only making sure that we're like hiring the right people, but it's also making sure that we're weeding out the people who don't belong in the organization,

which sometimes is an even harder thing to do. Is everyone working in one space or some people working remote or how's that working? Yeah, we have an office space here. Right outside of Miami. We've got 17,000 square feet. We have part of the group that's working in office. But about 95% of our workflow is remote. Really? Yep. So talk us through someone on the make money side,

because we cover three core topics here. How to make money, how to invest money, how to give away to charity. On the make money side, how can someone work remote? What type of money is there to work with someone like your company? Yeah, you know, like one of the cool things that we do,

and the way that I really look at it is like, if you take a look at most sales careers, you have like the top 10% of people who like absolutely crush it. You've got 70% of people who just get by, or paycheck to paycheck. Maybe they get to take a family vacation once a year. And the bottom 20% quit.

Everything, no matter what. You give them the greatest opportunity on the planet. Yeah, and they'll just throw it all away. And I wanted more people to be able to get into that 10% bucket. And the thing that we were able to design through how Medicare works with the residual income every policy pays every single year you get you get passive Compounding wealth based off of the active efforts that you do

So like a lot of people want, you know passive income which is very important thing But we all know that active income is where you can make you know for in terms of like a trade-off of effort Active income is where you can make the most So the way that we designed the program is that you can get passive compounding through active income efforts, which is quite remarkable. I mean, to get the type of cashflow that one would get working in my company in one year,

you'd have to invest between 1.2 to $1.5 million in real estate. If you're talking about a 6%, like, you know, return on your investment, 6% net, or you can work inside my company for one year and you can generate that same type of residual income. So the way that the opportunity works is if somebody comes into our platform, the company covers all costs of leads. We do 100% inbound, so no outbound, you get a list of 100 names and you just bang, bang, bang, bang it. Now we wanted to take the marketing out of it and we wanted to be able to take the responsibility of the marketing and put salespeople into the position,

which what they do best, which is, you know, qualifying, finding out their needs, closing the customer. So we took out a lot of the marketing because a lot of the marketing is kind of just like, it's a dead time for a salesperson. We took on all the marketing element. Somebody comes in, they hit available on their dialer system, and within 35 seconds they're going to have somebody calling them asking about what plans they can upgrade to, what they can switch to. And the cool thing is that Medicare doesn't cost the customer anything.

So when you're enrolling somebody into a plan, it's zero dollars, they don't have to sign a contract, you don't need a credit check, you don't need to get banking information, you just got to get a verbal confirmation from them that they want to say yes. And so somebody can come into the business and make eight to $15,000 a month. But the cool thing is that's like better, you know, cause it's $15,000 a month doesn't really change, you know,

it could change some people's lives. Yeah. But the great thing is, is that whatever you make in year one, you get that as your residual in year two. Oh, interesting. So if you get a hundred thousand, if you make a whatever you make in year one, you get that as your residual in year two. Oh, interesting. So if you get a hundred thousand, if you make a hundred thousand dollars in year one, year two, if you do the same exact effort,

same exact sales, the following year, you'll get $200,000. Cause you still get the recurring. Residual from last year. Get the recurring from the year before. So somebody works inside the business, you know, let's say they're at that hundred thousand dollar a year pace and they never grow, they never expand,

they never get into team building and they just sell the same amount every single year With drop-off, you know somebody at working in the business for five years could be making four hundred thousand dollars or more a year Within five years of being in the business. That's it. Even though they're only producing a hundred thousand the next year That's right, because it's compounding wealth. Okay. I Want you to do something for me. Yeah, and cash flow is really cool, right? Yes, of course. So I want you to look in that camera over there. Yeah. And 60 seconds explain to someone that wants to come work at Better Life. Yeah. Why they should. If you want to come and work for Better Life,

the reason why you'd want to come and work for Better Life is because we're not only here about making money, we're about helping you create a better life. So it's getting the discipline in, getting the confusion out, helping you put order in your life, and then being able to create something where you can get out of the hamster wheel. And the hamster wheel is every single month trying to find out how are you going to go get that next paycheck, where inside a better life, we built a residual compounding model where for every single year's worth of effort, you get to remake the money that you made paycheck where inside of Better Life we built a residual compounding model where for every single year's worth of effort you get to remake the money that you

made in the first year every single year following and allowing it to compound. So if you want to get off of the hamster wheel the only true way to do that is through the only true way to do that is through passive cash flow where the money comes in whether you work or not. And that's what we help people do here at Better Life. So you sold the solar company at quite an ideal time, especially just in the last few weeks, there's been some major, major, major, major, major

announcements that are wrecking the industry. Oh yeah. Can you talk us through what's going on in the solar space? Yeah, you know, the big beautiful bill is pretty much sending a nuclear bomb to the solar industry. It's the taking away of the tax credits. And I believe that's probably one of the biggest reasons

why Elon had left the administration to help with Doge. Yeah, they just basically nuked the energy incentives. So solar, I mean, even when we sold, right, we sold in October of 2022. Within six months, if you take a look at any of the major publicly traded companies, they were all down 60 to 80% within six months after I sold. And, you know, the biggest companies, Sunpower, they did Apple, the solar for Apple. They did the Apple, they did the solar for Microsoft. They went out of business within a year after I sold.

So these are like major, not just, you know, small mom and pops that are losing it. The companies that did Apple's solar, that, you know, the little circle inside of the south of San Francisco, what's it called? South San Francisco, a little city. Yeah. Silicon Valley? Silicon Valley. Somewhere around there. Yeah, so solar just got absolutely crushed.

Wow. So what happens going forward? With solar? You know, the bill still has to pass Senate. If it passes Senate, there's probably going to be a lot of people who need to pivot and get into something else. Will they be able to sell it at all? Or is it just not going to be compelling to do financially? It's going to be less compelling. You know, the 30%... you know, if you have a $50,000 system, you're talking $17,000 that the government gives you back to go solar. Now you're paying full price.

Got it. Which can definitely change the economics of why somebody would do it. And most solar isn't purchased outright. Most solar is financed. Or it's done through like a leasing program but in a leasing program the government the company who leases it to you they get the tax credit that's why they're able to keep the prices so low but if the leasing company doesn't get tax credits they're now installing it at full price so even the cost of the lease will now increase for the consumer unless somebody just

like really cares about the environment and is willing to pay more for solar, which I think more people are concerned about their pocket and lowering their bills. But new builders are still gonna be using solar, right? New builders, in California it's mandated, but the rest of the country isn't. But who's selling to those new builders?

Is it guys that are not doing electricity? Electricians. Got it. Electricians, yeah. So the developers, they already have their contractors. They've got their electricians. Yeah. So there might be a mass exodus from the solar space

to come work for Better Life. Yeah, there's already been a little bit of a mass exodus. We've attracted a lot of people from the solar space. We did people write at Simple Solar. And we had a good reputation. Nobody ever, of course, you're always gonna get the haters. But nobody from our organization like ever could speak negatively about us. So we attracted a lot of people.

We brought people in from my last company who were like, oh, you're starting something new. We wanna be with you again. So yeah, definitely a big exodus over there and Better Life is happy to take on great talent. There was a time I spoke at one of your events. It was like a retreat up in the mountain somewhere. Why did you do that? So yeah, definitely a big exodus over there and Better Life is happy to take on great talent. There was a time I spoke at one of your events, it was like a retreat up in the mountain somewhere.

Why did you do that? Like why is it important corporate culture wise to take people, I mean you literally took over a mountain. Yeah. Walk me through that. Yeah, you know like, we want to give people great experiences. You know, working for an organization

isn't just like you come in, you clock in, you clock out. If you're not providing growth for your people, opportunities for them to win, opportunities for them to get engaged with the community, you know, ultimately you're just gonna be another job where at, you know, my previous organization and this one, we really care about empowering the individual. You know, John Maxwell has laws of leadership,

the five levels or the five levels of leadership. And the fourth one is, second highest, is people development. And people follow you because of what you've done for them. And so when you help other people develop and grow, and you know, we brought you, we brought Bobby Castro, we brought in a bunch of influencers from the solar space as well, to come in and just pour value into them, people grew and people developed. And when they have that type of development in their own personal lives, like many companies aren't doing that. Very very few companies are developing as much as or investing as much into their people as we do.

Okay. So on the make money side, someone starts working a better life and they make a hundred grand and they make 200 grand, they make 300 grand and now it's time to finally do some of their first investments. When they have options for real estate, stock market, cryptocurrency, NFTs, I can find and deal with this person and angel invest in a restaurant,

in a sports bar, in a clothing line. So many options to invest into. What would you say to someone to start and make their first couple hundred grand? You know, the first thing that I say is like, you got to get to 100K. My personal take is get to 100K saved. That's what I've been taught to do.

Because going from zero to 100K, you learn the skill of discipline. Because a lot of people, they'll get to maybe 20K or 30K, they feel that they've got enough or they're good, and then they spend it and they drop back down. And they just keep repeating the cycle. So I believe that first you gotta get to 100K. Once you can get to 100K saved, that's the point where you go and deploy so that you can learn the skill of discipline. The worst thing that a person can do

is that when they get to 100K, they just keep all the money. That's the worst thing to do. What I've been taught personally is that you dump it into e-liquid assets. I dumped, you know, my first million cash that I got, I dumped the whole entire thing into real estate that I couldn't touch. And it scared the shit out of me.

Because I was like, I don't have any more money. Like, I gotta go work, I gotta go work. And it's that all in-ness of like, having your back against the wall, I believe allows you to push for more. Because I was really scared when I, I was really scared when I had a million. And when dropped down to zero I was like holy shit like I intentionally created chaos for myself and I have to force myself to go because there's a big difference

between being broke and being poor so being poor is having nothing or having a bad mindset or not having belief or conviction in yourself but being broke is just like how much cash you got in the bank account. So I've been taught, stay broke. Every time you get extra cash, dump it and get rid of it so you have to keep the hustle going. So I'm obsessed with that, yes. Yeah, you know, Bitcoin's incredible.

Like absolutely love Bitcoin. The thing is like you just can't get scared when you don't have money and then go sell it because that's what a lot of people do. Even with stocks, anything that's liquid, people get scared when you don't have money and then go sell it because that's what a lot of people do it, you know, even with stocks, anything that's liquid, people get scared and they don't realize that that even if they didn't tap into it, they can figure it out. Like anytime you've had your back against the wall, you've always figured it out. Same with everybody else on planet Earth for the most part, like people have figured it out. But a lot of people, when they have that cash reserve or the extra money that's liquid that they can pull,

they sometimes feel like, oh, it's okay, I can just go ahead and pull from there, I'll be okay, rather than forcing the production out of themselves. Right. So you jumped into 17,000 square feet. Yeah. I call that, I didn't invent this, but where the puck is going, right?

You were just going to where the business is growing at the scale that you were at. You don't need 17,000 square feet today. You know you're going to need 17,000 square feet at the way you're scaling. That's a big jump. How do you plan to fill up 17,000 square feet? Yeah, you know, we have a really good model

inside of our business. You know, people get bonuses if they recruit great talent. Obviously, you know, we don't hire everybody. They go through a pretty extensive screening process to be able to work with the organization. But one of the big things is that when we got that office space, what that did is that casted vision for all of our people. And our first day, I was like, guys, we have a lot of seats that we have to fill here. You know, we recruit a lot through social media. We were now building out a lot

on the W2 side as well. So you heard of join.com? Yeah, so our friend, he just became the CRO of join.com, which is a pretty cool setup. So he got us set up with join.com. And we're just gonna be blasting out across all channels trying to fill that place up with great talent. Referrals are always a great thing. Anytime you know somebody, if they wanna work for an organization

that cares about them and their development and their success, we always take referrals to be able to bring in great talent. Yeah, when you post on social media, I literally took a screenshot and was texting it out to different friends. Yeah, appreciate that. Because I didn't realize the remote part of it

was so 95% was remote. I was texting to people that are in Miami. But now I got a lot more people to text, because I think it's a great opportunity for someone to be able to work from home. So when you say turn on available, does that mean they don't have to work exactly nine to five?

They can? Yeah, yeah that's right. Yeah, they don't have to work like exactly nine to five. You know, our team leaders, you know, we don't set people off to failure. When somebody comes into the organization, they're part of the group, and they need to rise to the standards

that we have as a company. So our team leaders take deep responsibility in ensuring people are successful. We also know if somebody sells 10 accounts a week, they're not going to make enough money to live. And so that's just like, you know, and if you're working 10 accounts a week, excuse me, 10 accounts a week,

you're talking 10 hours of working a week. So it's not really much effort So somebody can hit available whenever they want But our team leaders do hold people up to a standard of ensuring that they get to a certain KPI to be part of our organization You know ultimately we we want to have a culture of high performance and in order to do that We have to hold people accountable to hit KPI Do you have any that are part time? Like a single mom?

Right now? Right now we don't. No. We did, and we found that they just, they couldn't get through the learning curve fast enough. And the thing is, we're paying for all of the leads. So if someone's taking two, three months to get through that learning curve, we as a company

are just spending so much more money on them for them to learn versus somebody shortens that learning curve, we as a company are just spending so much more money on them for them to learn, versus if somebody shortens that learning curve by 50%, like our return on investment for the lead dollars is significant. Got it. Yeah. Okay, so you've invested into different deals, you've invested into real estate,

different private equity companies, et cetera. For you personally, how do you decide? Like there's, you know, sometimes you just want to make five, 10% and 15% return. And sometimes you want to cross your fingers and have this big exit as you're growing this business to hundreds and hundreds of employees, if not thousands of employees at some point and become hundreds of millions of dollars and God willing billions of dollars. What do you see for yourself in the future for investing?

For investing in the future? Yeah. You know, the real estate game is just like super safe. You know that that's always gonna come, but I think like at this stage of my life, it's a little bit boring, and I think that I can take on more risk. So I really like,

I really like investing into my own business. I found that to be like the best return on any capital that you have. I like doing the private equity deals. We did one recently that just like, when we got into where it just raises a seven and a half X increase, and like what, a year and a half or something like that.

That was cool to see. But I see myself going a little bit more philanthropical once I get to like hundreds of millions and and at that point in time I see myself as being like a Going into venture capital. Yeah, yeah buying buying businesses Investing in businesses beyond the boards of different businesses. I think it bring a unique skill set to companies in a different vantage point than most people see. And I know business. Like it's, that's my thing, right?

Like the number one piece of advice I have is like, don't invest in something that you don't understand. If you don't understand it, like don't put money into it. Unless you have somebody that you can really trust. If you have somebody that you can really trust, then go ahead and do it. But if you don't fully understand it, don't do it. So you also consume a lot of knowledge from books,

live events, masterminds, podcasts. Why is it important for you as an entrepreneur, as a business owner, to constantly be connecting in person and in your mind? Yeah, I mean, you'd want to be able to deliver value to others, right? The thing is that you don't know everything, and I't know anything and the more that I learn the more I realize Holy shit. There's a lot more for me to learn

I want to be connected with great people so that I can absorb the right information the right data You know, I realized that at a pretty young age that Where we're at in life and the way that we operate in the way that we act is strictly based off of the information that we have. And if we can replace bad information with good information we can make better decisions and those decisions ultimately lead us to getting to you know achieving a better life. So I consistently want to surround myself by people who are doing better than me. I'm always seeking counsel from people who are wiser than me because if I want to be better I should go listen to people who have done it than me because if I want to be better, I should go listen

to people who have done it before. And so one of the guiding principles that has helped me make the right decisions was this quote that said, never take advice from people that you wouldn't trade places with. You wouldn't trade places with them, their advice really wouldn't be valid for you. So what's interesting about the mentor side is let's say we both want to start a clothing line, but Moe hires Damon John and gives him 10% equity in his business, and I don't hire anybody. If we both try to get to a million dollars,

if we did that same race 100 times, he's gonna win every single time because Damon John has been there. He's done $4 billion in clothing sales. He's gonna get the right manufacturer, the right designer, the right sales team. He knows how to deal with the buyers, the shipping, the convention booths, the hiring, the firing,

samples, tags, labels, what should we need? The cotton, should it be 7% or 8%? Like, he knows all the things because he's been doing it for 30 years where I'm trying to Google what percent of cotton in my sweatshirts. How much production, how much does this cost? I'm just trying to figure it out compared to Moe hiring an expert.

That's why I'm always recommending advisors, mentors, people joining your board, etc., is they are the fast forward button to not pay the dummy tax. If I try to start a clothing brand, I'm going to pay the dummy tax on every single part of the business. I'm going to overpay for the convention booth, I'm going to overpay for the staff, I'm going to pay the dummy tax on every single part of the business. I'm going to overpay for the convention booth, I'm going to overpay for the staff, I'm going to overpay for the manufacturing samples, I'm going to overpay for the shipping costs. I didn't know I could use that shipping department to do it for $4 a unit instead of $6 a unit. Everything I'm paying a dummy tax on, that Moe is not going to do it because he hired

Damon John. All right, the last part of this topic is make money, invest money, give it away to charity. Why do you think it's important to have a charity component, whether it's for your personal life or for your business? You know, there's a lot more to life than like you just making money. And I found that some of the biggest moments of joy

that I've been able to have and I've been given to others is by giving it away. It also kind of does something to it does something to your mindset where you know there's this whole entire way that people are raised especially here in the US and through our education system that like you should just hold you know if you get money you need to hold on to it and when you reverse that direction and reverse that flow and when you get get money and you say, hey, it's okay, I'm just gonna go ahead and give it away. I feel that that actually pushes a fire into you

and puts you into the idea of abundance to be able to like go and achieve more. So like, I'll tell you the story that happened to me. And this was the first time that I made like a, this is the first time that I ever made like a decent size contribution. I had the wrong people in my company, uh, some bad actors. I knew that they should have been gone, but it was really one person.

I knew that he should have been gone, but I didn't have the leadership in me to, to fire him. It's actually really funny. I was at your event in San Diego. Remember when we were on that big boat, the, yeah, that we were on the big boat and I went to Tim Grover and I was like, I was telling him about this guy. I'm like, hey, I got this guy, but we've known each other for 10 years, went to high school together.

He's just like, he's not doing it. Tim Grover's a tough dude. Yeah, that's right. Tim Grover's a tough dude. And he came to me, he's like, the problem is, he's like, you're thinking with this. And he like tapped me in the heart. And it hurts.

He's like, you're thinking with this. He's like, you need to be thinking with this. And he's like, you know what to do. He's like, when you get home, the right decision is that you get him out of your company. And went home, had the conversation to do that with him, didn't have the courage to do it. Two weeks later, he ended up leaving,

spreading a bunch of gossip and pulled half my company. Pulled like 50 people overnight, extracting them from the organization. Cause I didn't have the leadership in me at the time to do it. And that's a time, you know, when you was half your company, you're probably scared most of the time. You're like, what the hell am I gonna do, et cetera.

The next day, an individual reached out to me and said that he was doing a charity trip in Peru and he asked for me to contribute. And literally the next day, I wired him 50K. Whoa, right after losing half your company. Right after losing half my company, I wired 50K because I just kind of wanted to give the middle finger to the universe that said like,

despite this idea that I should be in scarcity, I know that I'm gonna be able to get through this and I'm gonna go and play in the world of abundance. And so I gave the middle finger to the universe and said, despite all this pressure, I'm gonna go against what you think I should do and I'm gonna go and like just take control here. That move just like inspired me to go out,

do more, provide more. I mean, we get to help a lot of people. So aside from just like the idea that like it creates more abundance and your own ability to go and pursue, just help, you know, if all you're taking is for yourself, it's just, it's just very selfish. Like, we're, we're going to die at some point. Like we're all going to die. And you're not going to take anything with you. So give it to people who need it,

who don't have the same opportunity that we have here. All right, so where can people follow you, Better Life, if they want to work with you, et cetera, tell them everything. Yeah, so on YouTube it's at MoFolla, on Instagram it's at Folla the leader, and if you want to follow Better Life, it's at Team BLFG,

but if you want to hop onto our opportunity calls, we run them twice a week. We show everything about the opportunity at join.teamblfg.com. We'll show you everything of what we do, how we do, and how you can get involved. All right guys, you're watching the Money Mondays. And as you know, we cover these three core topics

because it's important to have these discussions with your friends, family, and followers. We grew up thinking it's rude to talk about money. I think that's insane. You have to talk about money, loans, debts, financing, investing, cash followers. We grew up thinking it's rude to talk about money. I think that's insane. You have to talk about money, loans, debts, financing, investing, cashflow, should I get a lease? Should I rent? Should I buy?

These are real life situations that you have to be able to talk about with the people around you. So check us out online, like, comment, subscribe, and we'll see you guys next Monday on themoneymondays.com. ["The Money Mondays"] Ladies and gentlemen, welcome to a special edition of the Money Mondays. Normally this podcast takes place inside of an RV motorhome, but I'm in Miami trying to knock out six podcasts back to back to back and there's a rainstorm outside.

So we took over the MOVE studio here in Miami. They have multiple locations, so I'm very grateful to be here in their space right now with a longtime friend who's in the real estate category. He's had masterminds, coaching, businesses, accumulated thousands of units in the retail space. So what we're gonna do is cover three core topics. How to make money, how to invest money, how to give away to charity. So without further ado, Mr. Brad Sumrock give us a quick two minute bio straight to the money. Hey Dan, thanks. I'm excited to be here. Yeah, I never thought I'd be doing real estate and owning a business.

Neither of my parents finished college, so it was impressed upon me to study hard, get good grades, go to school, get a job. I did all that. After 14 years in corporate America, never made it to the top, never even made it to the middle, and was fired once, laid off once, read Robert Kiyosaki's books in the year

2000 and I became a seeker of business and entrepreneurship, went to a real estate investing seminar and eight months later about my first investment property 32 units, did another deal with my own money, found myself out of money. My third deal was 250 units where I learned how to raise money from other people. And since then I've done over 11,000 units as a general partner all over the country. Then I got inspired by Tony Robbins and I saw how he was impacting millions of people.

So I started doing conferences and seminars and created a large investor community and run a mentoring program and a mastermind. So that is the two minute summary. Wow, okay. Lots unpacked there. On the path to 11,000 units, when you first started, when did you decide to go from your own money

to bringing in capital? Well, I decided out of necessity because I ran out of my own money. I had a mentor, which I think is critical for anybody that wants to achieve a lot of success faster, and my mentor wasn't syndicating deals with other people's money, he was using his own money. So that's what I did, I did 62 units,

but all my money that I had saved in 14 years of corporate America was gone. And then a broker brought me a 250 unit and it penciled out, and I wanted to do the deal, but I didn't have the money. But what I had, Dan, is I was going to networking events, I was going to meetups, I was going to other investor clubs, and people would tell me, like, hey, if you find a deal,

I'll invest with you. So when I found the 250 unit deal and I didn't have any money, I put it to the test and I was able to raise $2 million and buy a $7 million deal with other people's money Right and what I learned about it. It was easier the lenders wanted to loan me more. It was non recourse financing I was able to hire professional management and become a true business owner instead of an operator Where I would literally bought myself a job with my 32 units in my 30 unit. Now I'm a business owner. So that's how I did it. It was kind of out of necessity. It wasn't like I wanted to do it.

But I didn't want to stay small and I didn't want to give up the opportunity to buy that deal. So for the investor side, why is it better for them, interesting for them, easy for them, good for them, safe for them? Walk through them, good for them, safe for them, like walk through why they make a decision to co-invest into this deal. So let's say they're, $2 million you're raising, and they're gonna put in 100,000 of it. What's the typical thing for them?

What are they looking for, the investor? Well, they're looking for a good return. They're looking for something safe, something relatively secure. There's always risk in any type of investment. But they're also looking to invest outside of Wall Street. They're looking to have a little bit more control over their investment,

where they get to see the asset that they're investing in, they get to know the people that are running the deal and making the decisions. And in multifamily, they're looking for cashflow, they're looking for appreciation, they're looking for depreciation. So when you have something that puts money in your pocket every month, something that goes up in value and something that reduces your taxes, and then they don't have to do

any of the work. So they're leveraging, like in my case, they're leveraging my experience, my context, my time, my Rolodex, my expertise in terms of like finding deals, analyzing deals, funding deals, managing deals, handling nuances, anything that goes wrong, like we handle it. So for them it's pretty hands off. So if I'm an investor and I'm listening out there and I want to put in, just use 100K as an example, what should I be looking for if someone's bringing me a real estate deal?

Well, I look at two things. I look at you want to vet the the GP team. So you want to vet the people. Like what's their values? What? How do they run their business? How are they going to handle adversity? What's their track record? And I also look at the numbers of the deal. What are the returns going to be? What's the cash flow? What's the upside? What's the tax savings? And, you know, Dan, I'm sure you know, this, like, you've looked at 1000s of investment opportunities, like every investment opportunity, every pitch deck is going to look amazing, right? Like, the the

sponsors have amazing experience, pretty, everything is going to look amazing. And so one of the things I'm passionate about teaching is like, how do you really vet that both on the the people side, and on the number side? What's the ballpark return I should be looking forward? I think investors could expect to double their money, say like in a five-year period, not including the tax benefits. Cool.

So, you know, you'd have a combination of cash flow and upside. And if the deal does as projected, it should pretty much double your money. When times go better than expected because of market forces, and the deals generally do better and they could also do worse. And the tax benefits could be really, really big. But everyone's going to have that a little different because of their own situation. So let's say on the other side of it, I am 29 years old, I live in Montana,

and someone shows me a deal for 12 units, for example, nothing crazy, just 12 units, and I wanna go raise $600,000, what do I do? Well, there's a couple steps. So this is why I got into teaching, and that's how I started, is I went to a seminar and I joined the mentorship program. And and so my first deal was 32 doors. And I'm not sure I would have done that on my own, I probably

wouldn't have done it or maybe I would have done it wrong. So like, I believe that anybody could go out and buy 12 units, and especially if they want to use their own money or even raise money from other people. So you want to acquire certain skills, I think you want to understand some of the basic fundamentals like what is NOI? What is cap rate? What's a t12? Like what's a pro forma? How do you how do you model a deal? And then you want to be able to find deals and then when you find them you want to be able to analyze them quickly and effectively

and then you want to have a network of industry professionals. You're going to need a real estate attorney or you're going to need a lender, you're going to need an insurance provider, maybe a management company unless you're going to self-manage it. And you need a network. You know, having a network of investors and being a part of a community really helps. I think at some point, you know, you could create your own brand in your own community and have your own following.

But as you know, like that takes time and it takes money. So that's how I started is I joined a program and I leveraged somebody else's experience in Rolodex and track record and community. And that's the best way I think people could get started. So you're saying I should go try to find like a mastermind or a group or networking in my city to start to build relationships

and to build information. Sure, I mean, and there's a lot of free stuff. Like you could find free resources on YouTube and bigger pockets. You could find free meetups and get a lot of information. But at the end of the day, you know, you pay one way or the other. You know, you either pay with your time

or you pay with your money. Very cool. So on the making money side, as you're accumulating more and more in the real estate game, how are you deciding whether you go to commercial buildings, Airbnbs, fixed and flips, multifamily? There's so many options for you as the real estate person, real estate mogul that you are.

How do you decide what you're working on? Man, that's a great question. I really believe that you could be wildly successful in any of those things. you're working on? Man, that's a great question. I really believe that you could be wildly successful in any of those things. And for me, it was, the first seminar I went to, I learned how to knock on doors, buy the pre-foreclosure list and knock on doors

and try to save people from their home being foreclosed. And after having the door slammed in my face, like 49 out of 50 times, I was like, this isn't for me. So number one, it just didn't align with me like that business. So then the next seminar I went to, they taught single family rentals. And the whole first day was like, buy a single family home, rehab it, rent it out, and cashflow. And I remember going home that night thinking, I'm going to buy 40 singlefamily homes in the next three years and quit my job.

The next day, they taught multifamily rentals. The same confidence. Yeah, and multifamily was like, hey, instead of buying 40 single-family homes, imagine buying 40 units on one property. And I'm like, this seems simpler. And the guy teaching said, hey, look, if you have like 100,000 to invest,

like skip the single-family and buy as many doors as you can on one site. So that's what I did. And what I didn't do is I didn't go to 27 conferences and look at 27 different things. But honestly, I probably could have done the same with Airbnb or self storage or anything. But one of the things I learned early on, Dan, is that the riches are in the niches. And I heard somebody else say,

if you wanna make specialized money, you need to be a specialist. So I just decided to be a specialist. And to this day, like I get pitched a lot of other asset classes, mobile home parks, and different types of things. And the thing is, is I'm still a beginner in those asset classes.

So I just stay in my lane and I keep growing and I keep scaling and there's so many opportunities like in this narrow niche but there's unlimited opportunity. Peter Belliott You now have a wide array of states to invest into to buy multifamily. Dallas Texas, Chicago, New York, Atlanta, California, if you want to go, like there's so many different options, how do you decide what state you're going to buy multifamily in? So I have a recipe for that.

And one of them is I prefer like landlord and business friendly environments, literally at the state level. So not California. Not my house. Yeah, here's the thing, like there are people that own apartment communities in California, and they're making, here's the thing like there are people that own apartment communities in California and they're making a lot of money. And so

one of my beliefs is like all real estate is local. Like if you know the nuances like in California I have a actually a student that lives there and he's he's buying deals in San Diego and adding additional dwelling units and he's crushing it. But like I don't live there. I don't know all the nuances. So if I'm starting with a clean sheet of paper, I'm going to go to a red state at the governor level. So I'm going to be looking in like Texas, Georgia, Tennessee, you know, Utah, Florida. Florida, yeah.

Yeah, because even at the city level, they're more progressive and they're more likely to implement like rent controls and stuff like that. But at the state level, it's not going to go through. In fact, some of these states actually have laws passed at preempt cities from implementing rent controls and stuff like that. So I like places where like if they consume your product and they don't pay for the product, they can't live on your property. It's just like a restaurant. Like not California. Yeah. so that's not California.

It's not New York. It's not Boston. Again, people that live there, they understand these nuances and they can make a lot of money. But, so I look for red states. I look for population growth above the average, job growth above the average,

affordability gap, which is like, say a medium priced home cost 420,,000 and a medium priced apartment might be $1,800 a month. Well that medium priced home at $420,000 when you look at the principal, the interest, the tax and insurance, it might be $3,200 a month. And I target Dan like the working class and middle class families that make $60,000 to $80,000 a year, only 27 percent of them could get qualified to buy a mortgage. I mean, to get a mortgage for that $420,000 home. So they're more likely going to be renters and they're less likely to be able to afford

the payment of $3200, $3300 a month and they're going to be more likely to rent an $1800 a month apartment. So those are the things I look for. And coming down to like every year, I do like a top 10 market analysis. And there are past five years, it's all been pretty much the same with a few markets coming in and out, but it's Salt Lake City, it's Las Vegas,

it's Phoenix, it's Dallas, it's Houston, it's Charlotte, it's Tampa, it's South Florida. And this is where the people were going. This is where the young adults are South Florida. And this is where the people were going, this is where the young adults are moving to, and this is where people are more likely gonna rent. So those are all still big name cities, so you're not going to like a rural city or like a secondary or third tier town.

I love this question, and it's one of the nuances, is all those cities I mentioned, if you're willing to understand and get to know some of the tertiary markets around there, you could do really well and you'll have less competition. So like I have a deal in Amarillo, Texas. I lived in Dallas and Houston for like combined over 30 years. I had never been to Amarillo. Like why would you go there?

It's not like I'm going to say, hey, honey, let's go on a weekend trip to Amarillo. Right? Doesn't happen. But one of my mentees that was trying to get into the Dallas market and didn't have success decided to look in Amarillo. Now he's got like six deals there and he's literally the third largest property owner in Amarillo. So we really know the market. And then he found deal number seven and I co-GP that deal with him and it's one of the best performing deals in my portfolio.

That's awesome. Yeah. So as people are growing, they're getting their first property, their second property, the third property. How should they be considering to scale? Should they focus on that niche like you like to do or should they be studying and researching if they wanted to go into storage units, if they want to go Airbnb or should they really pick a niche and just go that way? Well it's hard for me to tell people what they should do.

And you can do both. But I would just say if you start to get into other asset classes, just know that there's a lot of nuances that are different. And I've seen people that have jumped from multifamily to triple net to storage to development. And they didn't do as well because they didn't see the blind spots.

They didn't fully see the differences in these businesses So if you're gonna do that you want to make sure that maybe the first couple deals and that and that transition you're working with a really experienced team Now I haven't done that, you know, the way I've scaled is I've just done bigger deals and more deals and And then if you stay in your lane in multifamily, like some people will develop like their own vertically integrated company. They'll do the management in-house,

the construction in-house or the renovations in-house. What I do with all my investments is I co-invest with other really good operators. So like I have no employees in my multifamily business. I have no Construction people like I've trained Thousands of people all over the country and a lot of them are out there doing deals and they're building their own organizations and

Now they've scaled up and I end up partnering with a lot of them and I also partner with some of the biggest and best operators in the country. So that's how I do it. So when you first get a deal approached to you, is there like a certain checklist of things with like, no way I'm doing this deal? Is there anything that stands out and vice versa? Are there any times you're like,

oh, I really want this deal because of this? Yeah, I think it's important that you have what I call like your buy box, you know And you just get really clear on what it is that you want Like for me, I'm gonna buy like if I'm gonna lead a deal. Yeah, I'm gonna buy in Dallas I'm gonna buy in Houston. I'm gonna buy in Tampa because I know these markets I lived in these markets and they all meet the criteria. I'm gonna buy 150 units and up I'm not gonna buy something under 1960

I'm going to buy 150 units and up. I'm not going to buy something under 1960. I'm probably not going to buy anything newer than 2010 because there's too much competition and too much new supply. So if a deal comes across my desk that's 150 units and up, you know, that's between say 1980 and 2010 in these markets, then I'm going to start digging into it. If it's smaller, if it's in a different market,

I'll probably send it to somebody else than I know, and I'll say, hey, here's a deal that might fit your buy box that doesn't fit my buy box. Some people stay away from properties that have flat roofs. Some people get really technical with the piping and the roofing and stuff. For me, I've made money on all those types of deals, so it's not so important to me.

So how do you know when it's time to sell when it comes to multifamily? Like some people get emotionally attached or they just wanna keep it forever. So you buy a place for $8 million and now it's worth 12 or 13 or whatever the number is, and time goes on. When do you know it's like, you know what,

now's an opportune time to sell? Yeah, that's a great question because some people do talk about holding these deals forever. And by the way, if you do that, just know that every five to seven years, you're gonna have to reinvest to continue to upgrade the property. Because all those upgrades you did in year one

are starting to experience wear and tear after five to seven years. So I don't really get how people talk about owning properties forever and having infinite returns. And it doesn't always work. It's a good concept in theory, but it doesn't always work that way. So because most of my deals are syndications with investors,

what I find is people like to get in and out of deals within three to seven years. Some people wanna reinvest. Some people wanna use the profits to pay for their kids' college or to pay off their home or to take a dream vacation. So within three to seven years, if I've completed and met or exceeded the projected returns, that's the time for me to exit. Interesting. Yeah. Also, you know, like every asset class, I mean, Jamie Dixon with Chase will say this and Ray Dalio, every asset class every the 15 to 20 years

is gonna have a correction. So you may be going up and up and up and up and up. And for example, from 2012 to 2022, multifamily only went up. Then in 2023 and 2024, it went down. So there were people that just continued to hold. Now they wish they would have sold. And now they gotta wait for the next upturn.

Interesting. Yeah. So from the mastermind side, why is it important for people to join if they wanna get into the real estate space? For example, why joining real estate masterminds? Well, because you're around other people that are playing a game at your level level or higher, you know, you hear the saying like you become like the five people you spend the most time with. So when you are a part of a mastermind, you expand your network, you know, you expand your contacts,

you expand your knowledge, you get exposed to different things and you get to leverage other people's experiences, other people's problems, other people's network. And a lot of people like in my mastermind, they end up co-investing with each other. So you just have more deal flow and more opportunities. Very cool. So people start to meet each other, they're starting to build up their own portfolio, and now it's time. They're ready for their first big deal.

When they're reaching out to investors, when they're reaching out to investors and they're reaching out to people they've met, how do they put it on a silver platter for someone to actually want to invest into their business, into their real estate? Yeah, that's a whole topic of like how to... so what I hear you asking is how do people effectively like position their deals and pitch their deals and raise capital, right? Exactly. I think part of it is like, who's your ideal investor? Like for me, for so many years, I would say it was a retail investor.

It was people that came to my seminars, watched my master classes, followed me on Instagram, and then go to my website. Maybe they've learned from me or took a course. These people are likely to invest like 50 to 100 to 150,000. So if I'm raising $10 million, I need 100 investors, you know, other people and where I'm transitioning very recently, is

I'm getting in front of family offices, allocators, high net worth people. So you know, there's a theory that like, it's easier to get 10 people to give you a million dollar check than 100 people to give you 100,000. For me, it's been the opposite because of the nature of my business and the seminars and the masterminds, I once was able to raise $22 million in an hour webinar from like hundreds of people that I put out

on a Zoom meeting. But now what I'm focused on is like how to get in front of and build relationships and the more the family offices and the high net worth people, they care more about the relationship. They care more about like knowing you because they don't have a shortage of deals. You know, a lot of people teach like,

oh, you're giving people one opportunity. Well, that might be at the retail investor level. Is, you know, like the family offices, the cent of millionaires and the families that manage hundreds of millions of dollars, they have a lot of deals. They have a lot of deal flow. They're getting pitched all the time. So what they're looking for is like connection.

They're getting to know you. They're looking to know your values, like who are you as a person? And I think they're going to invest more into you than in any deal that you might position with them. Is there a goal in mind? You've done over 11,000 units now. Is there a number like, you know what? I'm gonna stop at this point. You know, that's a good question.

Every now and then I think about like, why do I keep doing this? But I keep doing it because it works and I could do it somewhat passively. All my investments are something I do like with, and I co-invest with other people now, so I don't have to do all the work myself. I'm not an operator at any of my deals.

And so I think that's something I'll continue to do for the rest of my life, honestly, because it works. The event and mentoring and mastermind, I am an operator operator like I'm very hands-on. I coordinate. I'm the main content creator I'm the main coach. I'm the main mentor. I do a lot of the speaking and that's just something it feels my soul How long I'm gonna do that? I don't know but probably for another decade or so, but I'm not sure I'll be doing that when I'm 80 sure, you know All right. Let's talk about the charity side. Why do you think it's important for people

inside of their households or with their businesses and offices? Why do you think it's important to have some type of philanthropy part of their world? You know, the best way I would say that, Dan, is anybody in this country would already hit the lottery. Like, we're so blessed. And I didn't realize that.

Like, I'll be authentic. Like, when I was an engineer in an MBA and I was making 120,000 a year, like I was blessed, but I didn't feel it at the time. I felt like I was struggling to keep up with the Joneses and was just in a different phase of my life. So I wasn't one of these guys that were giving away 10 or 20% of my income.

But when I started to come into seven figures and I started to reduce my taxes and I went five years without paying any federal tax, I felt a calling that I could be doing something more. And so I got into charity and it became addictive. And if you have actually not only contributed to a charity, but actually went to another country. And like I used to donate tens of thousands of dollars to a charity that would provide wheelchairs for people in need. And then they invited

me to go to Nicaragua in 2017. And it just changed my life. And so like, to me, like giving money changes the people that are the beneficiaries of that charity, but actually going on a trip actually changes my heart, like it just transformed me. So I got into it even more. And now one of the charities that I'm most passionate about is one of my best friends runs a charity called Child Liberation Foundation, where they are committed to eliminating trafficking and love of children. So like I have Paul Hutchinson speak at a lot of my events.

We do fundraisers. I match dollar for dollar. And just in the last six months, we've contributed like with my community and the matching of my company, like almost a half a million dollars. Amazing. Amazing. Yeah, and now I'm like, hey, I want to go undercover. And he's like, no, no, no, no, no, you'll get killed. Like that's not something you want to do.

Yeah, I've had a lot of friends that have done it and it really does change them because of the things that they see. And you know, when they go to Mexico and they have to be there for weeks at a time to be undercover, it's very intense and very dangerous, very much so. Okay, on the charity side as an individual, why do you think it's important for people to take the time to actually go do it compared to just here's 10 grand or here's a thousand

bucks? Well, as I mentioned, I think the money is impacting lives because they do need money. And I believe everyone in this country, in the United States, is blessed. Like I said, we hit the lottery. So whether you're making $10,000 a month or $100,000 a month, I would encourage everybody to start doing something like that. But actually going on a trip, like that first trip I went to Nicaragua where you see how a $200 wheelchair

not only changed the recipient, but like their family, their caregivers. I mean, some of these people were adults and some of these children that are 11 and 12 years old are being carried like a sack of potatoes that never had the gift of mobility. And when you see the emotional response where they're getting placed into a chair

and they could actually move around, and like it brought tears to my eyes and it just touched my soul. And then it makes you wanna do more. And it also makes you realize how blessed you are. And for me, it just made me feel gratitude every day that like I have my arms and I have my legs and I have my mind and I have my legs and I have my mind

and I have my eyes and I, like it just changes you. You know, and you go from like, your hardest day could be somebody's best day. Sure. All right, so the last question is the one question I ask on every single episode and I've never gotten the same answer before. So let's say you go from 11,000 units to 20,000,

50,000, 100,000 units over the course of time, but finally, eventually, it's time for Brad to pass away. What percentage of that billion dollars do you leave to children? Wow, with the children or the charity? Children. Children. You know, that's a really good question and I don't know the exact answer. Because I believe that, you know, children are our future and I know a percent of it, but I also have a heart for like old people and my dad's in a senior living facility and if I ever got into another asset class, I have to believe that we could run our senior

facilities better. And so, and I don't have kids and I'm not currently married and that's a good question. And I don't really have a clear answer. I could make something up, you know, that would sound really good, but I don't have it. Yeah. So where do people check you out on social media?

Where can they learn about you, your masterminds, your events, things that are going on in your world? Yeah, so I'm really proud of what is happening on my Instagram page. So I told you this personally, but six months ago I had 14,000 followers and now I have like almost 350,000. And so I spend way too much time on Instagram

and I respond to my own DMs, but I'm really into it and how it's grown. So I would tell everybody to go to Instagram and my name is just bradsumrock, B-R-A-D-S-U-M-R-O-K and it's got a blue check mark and I also found that there's like some copycat accounts which is the highest form of flattery and they have punctuations and underscores so I don't have any of that. So just B-R-A-D-S-U-M-R-O-K with a blue check mark and I'll respond to you personally. Very cool.

Alright guys, as you know, we cover these three core topics about how to make money, invest money, give it away to charity because it's important for our society to do those things, understand them, and have discussions with your friends, family, and followers. We grew up thinking it's rude to talk about money. I think that's ridiculous. We have to have discussion about money because it's real life. Loans, taxes, accounting, should I rent, should I lease, should I buy? These are all things that are part it's real life. Loans, taxes, accounting, should I rent, should I lease, should I buy.

These are all things that are part of our daily life. So you have to be able to have these discussions eloquently with the people around you. So getting as much knowledge as you can by listening to podcasts like this and researching the things that you hear on this podcast is a very useful tool for ever and ever and ever with the people around you. So check us out online, share, like, comment, subscribe, all those things. It all helps us keep up with the rankings on the top 50 of the whole world right now.

We're number 44 in the world right now. So that's because of you guys, liking, commenting, subscribing. So I appreciate it. Visit us at themoneymondays.com and we'll see you guys next Monday.