

Do you want to escape the Wall Street Casino and invest in real, tangible assets? Want to achieve financial independence on YOUR schedule and not someone else's? Want to invest in real estate without having to manage tenants, fix toilets, or exterminate termites? Look no further and tune into the Passive Wealth Strategy show today. We're setting the Real Estate world on FIRE, helping busy professionals build their passive wealth and passive income with real estate.
Episodes

3 days ago
3 days ago
Taylor Lot and Ashley Tison dive into the world of Opportunity Zones and discuss the advantages of investing in these areas. From tax reductions to a step up in basis to fair market value, Opportunity Zones provide an incredible opportunity for real estate investors. We also hear Ashley's story of how his investment in a mobile home park allowed him to launch a gun company and pursue impact investing, as well as gain valuable education from it. They provide advice for those wanting to get involved with Opportunity Zones and offer helpful tips on how to get started. Tune in now to learn more about this amazing program and how you can benefit from investing in Opportunity Zones.
[00:01 - 08:14] Opening Segment
- Opportunity Zones was created by the Tax Cut and Jobs Act of 2017
- If invested for a certain period, investors can reduce taxes paid on those gains in 2026
- Step up and basis to fair market value eliminates capital gains and depreciation recapture
- Tax-free compound interest coupled with cost segregation and bonus depreciation is the ninth wonder of the world
[08:15 - 17:18] Invest in Main Street America with Generational Wealth Through Opportunity Zones
- Opportunity Zones is still in effect until December 31st, 2026.
- Legislation is pending to extend the program out for two years till December 31st, 2028
- Investors can avail themselves of a 15% reduction in taxes if they invest for seven years before the expiration date
- Step up and basis to fair market value can be availed of up till December 31st, 2026
- Investors have 25 years from now to hold onto these assets and let them grow tax-free
- To get the step up and basis, investors need to transact with a third party or sell
[17:19 - 27:38] Salvaging Failed 1031 Exchanges with Opportunity Zones: A Powerful Distinguisher for Estate Planning
- Opportunity Zones do not require identifying opportunities before selling
- Investment can be in real estate, operating businesses, startups, or businesses outside of the zone
- Exchanges must identify opportunities before selling and applies toward a lifetime exemption amount
- Opportunity Zones apply whatever amount initially invested against the lifetime exemption amount
- Opportunity Zone Funds allow for the purchase of 95% of complete investment property
- Tax benefits include a step into original use and no depreciation recapture on the sale
[27:39 - 34:10] Closing Segment
- How Ashley learned the cyclicality of the gun business and what not to do
- Riches are in the niches - niche down and focus on the main thing
- Stay focused on the main thing and don't get distracted by shiny objects
Connect with Ashley Tison:
- Email: ashley@ozpros.com
- Website: www.OZPros.com/taylor/
Invest passively in multiple commercial real estate assets such as apartments, self-storage, medical facilities, hotels, and more through https://www.passivewealthstrategy.com/crowdstreet/
Participate directly in real estate investment loans on a fractional basis. Go to www.passivewealthstrategy.com/groundfloor/ and get ready to invest on your own terms.
Join our Passive Investor Club for access to passive commercial real estate investment opportunities.
LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode or click here to listen to our previous episodes
Quotes:
"Tax-free compound interest is the eighth wonder of the world. But cap coupling that in with cost
segregation and bonus depreciation is the ninth wonder of the world." - Ashley Tison
"It's not about the capital gain that you have now. It's about the capital gain that you anticipate having in the future." - Ashley Tison

5 days ago
5 days ago
In this episode,Dan Rowley, a corporate CEO and experienced real estate investor, shares his journey from starting out with single-family investments in California to shifting to multi-family syndications. Dan shares his insights on the entrepreneurial path of a busy professional real estate investor and provides key lessons learned as a business owner and real estate investor.
[00:01 - 06:50] Opening Segment
- Dan shares about his background
- Due diligence crucial in syndication, includes evaluating operator competence and trustworthiness
- Dan transitioned to syndications for passive real estate investment returns
- Transition to passive investment via syndications due to limitations of solo real estate ownership
[06:51 - 14:18] Understanding Property Classes in Real Estate Investing
- Class A properties are newer builds with higher rent levels and less deferred maintenance
- Class B properties are older, more affordable and more insulated against economic distress
- Class C properties are older, require more maintenance, and carry more risk but can provide higher returns
- Evaluate proforma offering memo from Syndicator considering micro-neighborhood, renovation potential, and passive investor goals
[14:19 - 23:09] Navigating Real Estate Investments with a CFO's Eye
- Ensure that the financials sent by the sponsor are transparent and can be looked at any time
- Review the numbers quarterly, ask questions, and stress-test assumptions to make sure that the investment is based on realistic projections
- Monitor monthly results to make sure the business is going according to plan and compare the actual results to the projected budget
- Consider investing in real estate through self-directed IRAs to diversify from stock and bond investments and reduce exposure to macroeconomic volatility
[23:10 - 27:49] Closing Segment
- Quick break for our sponsors
- The first step to growing your wealth is tracking your wealth, income spending and everything else about your finances, you can start tracking your wealth for free and get six free months of wealth advisor. Learn more about Personal Capital at escapingwallstreet.com
- What is your favourite book?
- Principles for Dealing with the Changing World Order by Ray Dalio
- Dan Rowley’s indispensable tool
- Spreadsheets
- What are you looking forward to in 2023?
- Going to Korea
Connect with Dan Rowley:
Email: d2rowley@yahoo.com
Contact Number: 9259174802
Invest passively in multiple commercial real estate assets such as apartments, self-storage, medical facilities, hotels, and more through https://www.passivewealthstrategy.com/crowdstreet/
Participate directly in real estate investment loans on a fractional basis. Go to www.passivewealthstrategy.com/groundfloor/ and get ready to invest on your own terms.
Join our Passive Investor Club for access to passive commercial real estate investment opportunities.
LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode or click here to listen to our previous episodes
Tweetable Quotes:
“it's more appropriate to just invest in syndications and some of these things with your own money.” - Dan Rowley

6 days ago
6 days ago
In this episode, Chad Zdenek shares his entrepreneurial journey from a busy professional engineer in Los Angeles to financial independence through real estate investing. He discusses the different types of busy professional real estate investors and the path they choose. Chad shares his experiences, including his MBA in entrepreneurship studies from UCLA and whether it helped him in his real estate business. He also delves into his decision-making process and key lessons learned as a business owner and real estate investor.
[00:01 – 05:40] Opening Segment
- Chad shares about his background in civil engineering, general contracting, and entrepreneurship through his MBA studies.
- Helping grow his brother's lighting business from a small start-up to a company with 75 employees and three locations.
- Started real estate investing with personal funds, moved to syndicating, now partners on out-of-state multi-family investments
[05:41 – 17:20] Building Trust in Real Estate Investments
- Replace the comfort of knowing the neighborhood with trust in the partnership
- When building trust, consider factors like the experience level of the partnership team and the asset class they invest in
- Trust in real estate is based on its physicality, historical data and stability
- Achieving financial independence in real estate requires trust building and the right mindset
[17:21 – 23:30] The Benefits and Limitations of an MBA in Entrepreneurship
- MBA programs provide knowledge of the "nuts and bolts" of business but formal education is not necessary for success
- Real-life experience and hustle are more important than formal education
- Formal education guarantees a minimum pay but success depends on personal effort and hard work
- Successful entrepreneurship may be a combination of both taught skills and innate qualities
[23:31 – 27:43] Understanding Risk Tolerance in Entrepreneurship
- Entrepreneurship is not necessarily about being highly risk-tolerant, but about mitigating risk
- Entrepreneurs evaluate the risks and attach probabilities to them to make educated decisions
- Entrepreneurs might reduce risk tolerance as they become successful and have more to lose
- Being an entrepreneur allows for more control over income and decision-making compared to relying on others for payment
[27:44 – 34:03] Closing Segment
- Quick break for our sponsors
- The first step to growing your wealth is tracking your wealth, income spending and everything else about your finances, you can start tracking your wealth for free and get six free months of wealth advisor. Learn more about Personal Capital at escapingwallstreet.com
- What is the best investment you've ever made other than your education?
- The first syndication he had done
- Chad Zdenek’s worst investments?
- Being sole investors in a startup and losing everything at an ETF stock market
- What is the most important lesson you’ve learned in business and investing?
- When growing a business you can only do so much yourself
Connect with Chad Zdenek:
Website:https://csqproperties.com
Social Media: Facebook, Instagram, Youtube
Invest passively in multiple commercial real estate assets such as apartments, self-storage, medical facilities, hotels, and more through https://www.passivewealthstrategy.com/crowdstreet/
Participate directly in real estate investment loans on a fractional basis. Go to www.passivewealthstrategy.com/groundfloor/ and get ready to invest on your own terms.
Join our Passive Investor Club for access to passive commercial real estate investment opportunities.
LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode or click here to listen to our previous episodes
Tweetable Quotes:
“It's better, in my opinion, to bet on yourself and just keep doing what you do.” - Chad Zdenek

Thursday Jan 26, 2023
Thursday Jan 26, 2023
In this episode, we speak with Jamie Gruber, a successful full-time real estate investor who used to be a high earning corporate executive. Jamie shares his journey of how he escaped the corporate world to pursue his dream of being a full-time real estate entrepreneur. He discusses the mindset and strategies he used to make the transition and how to make a "calculated risk" in order to achieve your goals. This is a valuable episode for those earning a great income in the corporate world but are not fully satisfied, as Jamie's story and advice can serve as inspiration for achieving your own dreams.
[00:01 – 06:56] Opening Segment
- The importance of location in real estate investing and how it can maximize investment dollar
- The lifestyle benefits of real estate investing, including the ability to live anywhere and do what you love
- The importance of finding your niche in real estate, whether it be operations, marketing, or investor relations.
- The ability to design your life and achieve financial freedom through real estate investing
[06:57 – 16:40] Achieving Success Through Goal-Setting, Practice, Feedback, and Mindset
- The importance of setting clear goals and prioritizing them
- The benefits of consistent, deliberate practice and the role it plays in achieving success.
- The value of seeking out and receiving feedback to improve performance
- The impact of mindset and attitude on overall success and the importance of maintaining a positive perspective
[16:41 – 23:14] Working with Remote Teams
- The need for companies to invest in technology and tools to support remote work effectively
- The potential for remote work to increase diversity and inclusion in the workforce
- The importance of creating a sense of community and connection among remote team members to foster collaboration and productivity
- Incorporating mindfulness practices into the workplace can lead to a reduction in stress and burnout
[23:15 – 28:14] Embracing the Entrepreneurial Journey
- Have a clear understanding of your income and expenses and how to manage them effectively
- Believe in what you are doing and have a clear vision for your future.
- Don't be afraid to take risks and make difficult decisions for the sake of fulfilling your dreams and living the life you want
- Reframe your perspective on the challenges and obstacles you face as an entrepreneur, and continually strive to improve and achieve your goals
[28:15 – 33:52] Closing Segment
- Quick break for our sponsors
- The first step to growing your wealth is tracking your wealth, income spending and everything else about your finances, you can start tracking your wealth for free and get six free months of wealth advisor. Learn more about Personal Capital at escapingwallstreet.com
- What is the best investment you've ever made other than your education?
- The first 16-unit property he purchased
- Jamie Gruber’s worst investments?
- Property he bought in New York in 2005
- What is the most important lesson you’ve learned in business and investing?
- Understand what you’re investing in
Connect with Jamie Gruber:
Website:https://www.jamiegruber.com/
Invest passively in multiple commercial real estate assets such as apartments, self-storage, medical facilities, hotels, and more through https://www.passivewealthstrategy.com/crowdstreet/
Participate directly in real estate investment loans on a fractional basis. Go to www.passivewealthstrategy.com/groundfloor/ and get ready to invest on your own terms.
Join our Passive Investor Club for access to passive commercial real estate investment opportunities.
LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode or click here to listen to our previous episodes
Tweetable Quotes:
“There's so much opportunity out there when you clear out the thing that's not fulfilling you” - Jamie Gruber

Tuesday Jan 24, 2023
Tuesday Jan 24, 2023
On this episode, we have special guest Farrah Ali sharing her inspiring journey of overcoming challenges as a single mother and achieving financial independence through real estate investing. Tune in to hear about her first deal, the obstacles she faced, and her strategies for overcoming biases as a woman in the industry. Farrah's story is one of perseverance and determination and offers valuable lessons for anyone in the real estate investing space. Don't miss this informative and motivating episode!
[00:01 – 06:50] From Single Mom to Successful Real Estate Investor
- Farrah Ali turned to real estate investing as a way to support herself and her children
- Farrah educated herself and made investments through local resources
- Farrah's background in insurance and education helped her make smart investments
- Farrah founded an organization to help other women get into real estate investing
[06:51 – 18:35] Overcoming Hurdles and Finding Success
- The importance of finding a genuine mentor who can guide and teach you the business
- The power of taking calculated risks and putting yourself under pressure to achieve success
- The possibility of finding private money lenders who can provide 100% financing for your deals
- The significance of having a stable income and credibility as a person in attracting private money lenders and closing deals
[18:36 – 24:28] The Mindset of a Successful Real Estate Investor
- Believe in yourself and don't let others discourage you
- Keep trying different strategies and don't give up, even if progress is slow
- Real estate investing is not just about accumulating properties, there are many other benefits such as passive income and the ability to set an example for your children
- A strong belief in oneself and commitment are key personality traits for success in real estate investing
[24:29 – 31:03] Closing Segment
- Quick break for our sponsors
- The first step to growing your wealth is tracking your wealth, income spending and everything else about your finances, you can start tracking your wealth for free and get six free months of wealth advisor. Learn more about Personal Capital at escapingwallstreet.com
- What is the best investment you've ever made other than your education?
- Giving time to herself and knowing herself
- Farrah Ali’s worst investments?
- Learning from the lessons of life and growing from it
- What is the most important lesson you’ve learned in business and investing?
- Do something bigger than yourself
Connect with Farrah Ali:
Website: https://www.farrahali.org
Social Media: Instagram, Facebook, LinkedIn
Invest passively in multiple commercial real estate assets such as apartments, self-storage, medical facilities, hotels, and more through https://www.passivewealthstrategy.com/crowdstreet/
Participate directly in real estate investment loans on a fractional basis. Go to www.passivewealthstrategy.com/groundfloor/ and get ready to invest on your own terms.
Join our Passive Investor Club for access to passive commercial real estate investment opportunities.
LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode or click here to listen to our previous episodes
Tweetable Quotes:
“To grow in business, it can't be about yourself.” - Farrah Ali

Monday Jan 23, 2023
Detecting Deception & Finding Fraud with Traci Brown
Monday Jan 23, 2023
Monday Jan 23, 2023
In this episode, Taylor interviews Traci Brown, a deception detection expert. Traci shares her expertise on how to better detect deception and how to prepare oneself to identify it and includes key things to look for and tips to improve deception detection skills. Traci focuses on helping listeners avoid becoming defrauded and losing money in face-to-face interactions with others by improving their deception detection skills.
[00:01 – 06:26] Opening Segment
- Tracy Brown is a fraud busting body language expert who helps people identify lies, fraud, and identity theft through keynote speeches, investigations and podcast
- The importance of paying attention to spot fraud
- She developed her skills in reading body language through her background in professional bike racing
[06:27 – 13:59] Understanding Body Language in Fraud Prevention
- Body language, tone and words are important indicators of deception and should be considered together when trying to spot it
- Look for clusters of signs that indicate deception, such as three or four signs that materially depart from the person's normal behavior
- Deception can often be hidden in plain sight, and a deeper understanding of body language can help identify it
- Consider the context of the situation and other cues, such as tone and words, to get a full picture of what is being communicated
[14:00 – 24:13] Ways to Spot Deception through Body Language
- Get a person's baseline by paying attention to their non-verbal cues and asking non-incriminating questions
- Look for clusters of signs that indicate deception, such as changes in behavior from their normal baseline
- Be aware of the permutations of body language, similar to playing chess
- Focus on the larger signs of deception before moving on to the smaller ones, and be aware of false positives
[24:13 – 31:10] Closing Segment
- Quick break for our sponsors
- The first step to growing your wealth is tracking your wealth, income spending and everything else about your finances, you can start tracking your wealth for free and get six free months of wealth advisor. Learn more about Personal Capital at escapingwallstreet.com
- What is the best investment you've ever made other than your education?
- Getting into real estate early
- Traci Brown’s worst investments?
- Hiring someone to help her on a book but it flopped
- What is the most important lesson you’ve learned in business and investing?
- Learn to bet on yourself
Connect with Traci Brown:
Website: https://www.bodylanguagetrainer.com/
Invest passively in multiple commercial real estate assets such as apartments, self-storage, medical facilities, hotels, and more through https://www.passivewealthstrategy.com/crowdstreet/
Participate directly in real estate investment loans on a fractional basis. Go to www.passivewealthstrategy.com/groundfloor/ and get ready to invest on your own terms.
Join our Passive Investor Club for access to passive commercial real estate investment opportunities.
LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode or click here to listen to our previous episodes
Tweetable Quotes:
“You got to believe the body first. Take the words with a grain of salt.” -Traci Brown

Thursday Jan 19, 2023
What is Success?
Thursday Jan 19, 2023
Thursday Jan 19, 2023
What is success? In this short episode, Taylor discusses the optimal definition for success, what it means, and where he learned this wisdom. You'll learn how to understand success and how to deconstruct it to achieve your own definition of success.
Today's resource video on YouTube: https://youtu.be/y5x-KjBME_E
Join tonight's multifamily webinar! www.passivewealthstrategy.com/webinar/

Tuesday Jan 17, 2023
Tuesday Jan 17, 2023
In this episode, Jonathan Feniak presents a new platform to help investors create and maintain LLCs for real estate investments. He covers LLC formation, maintenance, top states for privacy, asset protection, and cost of forming and maintaining companies. Jonathan emphasizes the importance of working with an attorney for the process and aims to provide valuable information for real estate investors.
[00:01 - 07:00] Opening Segment
- Jonathan Feniak is an attorney and the General Counsel & Chief Product Officer for Company Sage
- Company Sage is a Puerto Rico-based tech company that simplifies starting & managing entities for asset protection & privacy
- Company Sage aims to offer accessible & affordable legal & quasi-legal services to many through its tech products
[07:01 - 15:41] Revolutionizing Entity Formation and Management
- Company Sage offers a platform for forming companies, with a focus on five states
- Provides comprehensive business support including legal and tax advice
- Company Sage powers other companies to deliver superior products and focusing on niche areas
[15:42 - 26:12] Navigating the Challenges of Multiple LLCs
- Even if an individual is behind on paperwork for their LLCs, it is possible to catch up by changing the registered agent to the company
- Company Sage’s client portal offers access to important documents such as operating agreements and organizational meeting minutes
- The company offers attorney consultations for legal matters such as capital raising and asset protection trusts
[26:13 - 34:06] Closing Segment
- Quick break for our sponsors
- The first step to growing your wealth is tracking your wealth, income spending and everything else about your finances, you can start tracking your wealth for free and get six free months of wealth advisor. Learn more about Personal Capital at escapingwallstreet.com
- What is your favourite book?
- Flow: The Psychology of Optimal Experience by Mihaly Csikszentmihalyi
- Jonathan Feniak’s indispensable tool
- FaceTime
- What are you looking forward to in 2023?
- A place with an amazing food scene
Connect with Jonathan Feniak:
Website: https://wyomingllcattorney.com/
Invest passively in multiple commercial real estate assets such as apartments, self-storage, medical facilities, hotels, and more through https://www.passivewealthstrategy.com/crowdstreet/
Participate directly in real estate investment loans on a fractional basis. Go to www.passivewealthstrategy.com/groundfloor/ and get ready to invest on your own terms.
Join our Passive Investor Club for access to passive commercial real estate investment opportunities.
LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode or click here to listen to our previous episodes
Tweetable Quotes:
“Because ultimately privacy leads to better asset protection.” - Jonathan Feniak

Monday Jan 16, 2023
Monday Jan 16, 2023
In this episode,Terrance Doyle discusses the value-add multi-family investment strategy. He shares insights on what sets his success apart from others who may not be as successful with his strategy, and also highlights common pitfalls and risks associated with the value-add strategy. Terrance also shares how he has set up his business to avoid these issues.
[00:01 - 07:00] Exploring the World of Value Add Multifamily Investing
- Terrance shares his background and how he started in value add multifamily investing
- Value add deals typically require a lot of construction and property management work
- Value add means doubling the rent, buying below market value
[07:01 - 15:26] Insights on Finding and Overcoming Pitfalls in the Multi-family Market
- Value-add deals require a lot of construction and property management work to be done
- Buy in neighborhoods with a lot of infrastructure and development going on
- Differentiating between the condition of the building and the location of the neighborhood is key
[15:27 – 28:34] Navigating the Changing Market
- Focus on buying off-market deals that are outdated and in need of renovation
- Build strong relationships with a small number of brokers that know their buy box
- Land prices may decrease in the future, providing opportunistic investment opportunities
[28:35 - 33:45] Closing Segment
- Quick break for our sponsors
- The first step to growing your wealth is tracking your wealth, income spending and everything else about your finances, you can start tracking your wealth for free and get six free months of wealth advisor. Learn more about Personal Capital at escapingwallstreet.com
- What is the best investment you've ever made other than your education?
- A 100-unit property he bought in Des Moines for $4 million
- Terrance Doyle’s worst investments?
- First company he started and the 2 tech companies he invested in early on
- What is the most important lesson you’ve learned in business and investing?
- Have empathy and invest in yourself
Connect with Terrance Doyle:
Social Media : LinkedIn, Instagram
Invest passively in multiple commercial real estate assets such as apartments, self-storage, medical facilities, hotels, and more through https://www.passivewealthstrategy.com/crowdstreet/
Participate directly in real estate investment loans on a fractional basis. Go to www.passivewealthstrategy.com/groundfloor/ and get ready to invest on your own terms.
Join our Passive Investor Club for access to passive commercial real estate investment opportunities.
LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode or click here to listen to our previous episodes
Tweetable Quotes:
“It's better just to be patient and wait for deals to come to you and be able to play off of that advantage.” - Terrance Doyle

Thursday Jan 12, 2023
Becoming an Employee Millionaire thru Real Estate with HJ Chammas
Thursday Jan 12, 2023
Thursday Jan 12, 2023
In this episode, H.J. Chammas shares his story and process for becoming an "employee millionaire" through real estate investing. He discusses the blueprint for building up a passive income through real estate investing, and how he was able to escape his day job through this method. He also talks about the risks he has experienced and how he helps his students navigate the real estate market.
[00:01 - 09:47] Real Estate Investing for Financial Independence
- Utilizing good debt to increase wealth and stability by investing in assets for passive income
- Distress sales and deals exist in all markets, even where big investors are present
- Leverage steady income to secure funding for real estate investment
[09:48 - 17:25] Mastering the Art of Real Estate Investing
- The importance of repetition and overcoming limiting beliefs
- Using good debt strategically can help build wealth and stability
- It’s not about how many doors you have but the cash flow from each door
[17:26 - 23:32] Overcoming Distractions for Long-term Success
- Staying focused and avoiding distractions, such as "shiny object syndrome”
- Avoid investing in speculative investments but invests in something you have full control of
- the key to building wealth in real estate is to stay focused and accumulating properties
[23:33 - 29:50] Closing Segment
- Quick break for our sponsors
- The first step to growing your wealth is tracking your wealth, income spending and everything else about your finances, you can start tracking your wealth for free and get six free months of wealth advisor. Learn more about Personal Capital at escapingwallstreet.com
- What is the best investment you've ever made other than your education?
- Rental Properties
- H.J. Chammas’s worst investments?
- Putting money in the bank
- What is the most important lesson you’ve learned in business and investing?
- Failure is an opportunity
Connect with H.J. Chammas:
Website: https://www.employeemillionaire.com
Social Media : LinkedIn
Invest passively in multiple commercial real estate assets such as apartments, self-storage, medical facilities, hotels, and more through https://www.passivewealthstrategy.com/crowdstreet/
Participate directly in real estate investment loans on a fractional basis. Go to www.passivewealthstrategy.com/groundfloor/ and get ready to invest on your own terms.
Join our Passive Investor Club for access to passive commercial real estate investment opportunities.
LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode or click here to listen to our previous episodes
Tweetable Quotes:
“You become at least as rich as the amount of good debt you take in your life” - H.J. Chammas