How to Stop the 2 A.M Night Sweats

How to Stop the 2 A.M Night Sweats

006:  How to Stop the 2 A.M. Night Sweats


Ever had that 2 a.m. night sweat feeling? You know what we’re talking about. It’s the sudden stress that jolts you awake at night, pits sweaty, hands clammy. 

These days we’re sweating about if we’re giving our fur babies the life they deserve, but back in the day, it used to really be more about our financial situation. I have a feeling that there could be a few of you out there today too. Have you ever stressed about retirement, putting your kids through college, worried about being a burden to your family when you get older, afraid to see your wealth wash away after a few bad economic cycles, scared to lose your job, or just worrying about money in general?

Look, we get it and we’ve been there. 😖😖 This is not a fun feeling, and in today’s already anxiety-inducing world where every news alert can be an emotional trigger, we’re here to offer you some relief. Step one is always the hardest, so congratulations on making it this far by tuning in and pivoting to change your financial future for yourself and your family. 

We are diving deep into some practical steps you can start doing right now to create a healthier relationship with your money, identify your goals and get creative with your money-making! Oh, and don’t forget to check out the free resources below!

Nothing gets us more excited than seeing people on the brink of life change, so let’s do this! 

3 Steps to Release the 2 a.m. Night Sweats Once and for All

Do a financial audit! Okay, we know this one doesn’t sound sexy right out the gate but it is a total necessity, bear with us for a second. When was the last time you assessed where you’re at financially? Where do you want to go with your finances? And are you going in the right direction? Flashbacks to us getting lost on one too many road trips come to mind here. Sitting down with your finances and taking a look at where your money is going will help you, in the long run, reach those goals. Achievements just don’t happen, there’s a lot of work that goes into reaching that finish line.

We are so fortunate to have amazing mentors who help us with our financial journey. One method they taught us, in particular, comes to mind that seriously changed our lives forever. Using this process as a roadmap will help you identify where you are and where you want to go in real estate.

That mentor showed us how to use an annual financial checklist like our scale. I mean, if we want to lose weight, we have to step on the scale to measure our progress, and our personal financial statement is our scale. It’s our measuring tool. And the checklist will help you figure out what yours looks like.

At some point in your life, you might have been asked to put together a personal financial statement. 

“But Palmy and Nancy! HOW do I even begin with a personal financial statement?!” Wow. It’s like we really thought of everything for ya. If you haven’t already, head here for a free download of our favorite financial checklist. Think of this as a scale.  👉Whenever we try to lose or gain weight, usually the scale is where we begin, it’s a measuring tool to assess where we’re at. Our personal finance statements reflect something similar. 

Everything that you see on that checklist from insurance, access to capital, asset protection, and tax planning is vital and necessary to mapping out your personal finance statement. A personal financial statement is made up of an income statement. That’s the income and expenses and balance sheet, which is assets and liabilities.

If you’re reading this and the pit in your stomach is sinking deeper by the second, don’t freak out on us just yet. Hello! You’re here! We are here to help you navigate that personal financial statement for you. Plus, we’ll teach you how to add more real estate to the balance sheet to see that passive income cash flow rolls in. Trust us, you won’t be avoiding the work of doing a personal financial statement like a bad ex once those numbers become a part of the plan.

Once you download that annual financial checklist, you’re going to notice three diagrams. The personal financial statements of those living below the poverty line, average income earners, and the wealthy. For those living below the poverty line, income comes in and that income is used to pay for all the liabilities: taxes, rent, food, credit card bills, transportation, clothes, etc.

For the average income earner, income earned goes directly to pay for expenses, taxes, and liabilities. And lastly, for those who are wealthy, they build up their assets and have that become their income and get that income to pay for their expenses.

Now, this income is a special type of income. So special we created a whole podcast and website around it, so stay tuned to keep up. 

WWBD: What Would Beyonce Do?

Okay, so we’ve nailed down some of the finer points of a financial audit. The second piece of advice to support your sleep cycle is to identify your financial goals. If you’ve been with us a bit now, you know what we’re about to say, it’s the Beyonce of all financial planning, knowing your freedom metric. Alexa, play “Freedom” by Queen Bey.

Identifying your goal and knowing your freedom metric number can be both parts daunting (because, hello, what if you don’t make that number?!) and thrilling (because, hello, what if you do?) WWBD?

What would Bey do? 😵😵 We think she’d dive in headfirst into knowing that number. And because she is brilliant, she would check out the show notes of episode 1 of Cashflow Multipliers and start with our freedom metric calculator. Hint hint! 

Needle Movers & Shakers

Let’s get into the third antidote to help you with those night sweats. Focusing on the needle mover. After you’ve identified your goal, it’s important to keep your eyes on the prize. We’re not in the business of trading your time for money. Although there is nothing wrong with it (hey, we support a good hustle!) there are so many ways to make money. Our friend works in IT for Adobe and makes a killing and still sells on Amazon for some side cash, and we respect it. 

For us, spending time with family and loved ones is such a high value we couldn’t imagine a world where our work takes us away from that. We are all about adding cash flow-producing assets to your portfolio. According to Robert Kiyosaki, author of the famed classic book, Rich Dad, Poor Dad, an asset is anything that puts money in your pocket.

Is your home an asset?  Your primary home is not necessarily an asset if it takes money out of your pocket.  However, if you are renting a room out or have ADU that you’re renting out, then it can be considered an asset because it brings some money back into your pocket. 

The Rule of 72

Have you ever heard of “The Rule of 72”? The rule of 72 is a simple way to determine how long an investment will take to double given a fixed annual rate of interest by dividing 72 by the annual rate of return. Okay, stick with us for just a little longer as we talk real-world numbers and not financial bro speak. 

For example, if you invested $100K in an investment opportunity and it yields 9% annualized, that means in 8 years your $100K will become $200K (72/9% = 8 years). And in 16 years your $100K will become $400K, and in 24 years your $100K will become $800K. 

Whoa, that’s almost $1,000,000 from investing in a cash flow producing asset class!

Let’s look at other examples of investment opportunities. 👇

Cash in the bank? Your money in the bank yields less than 1%.  Stock? Looking at the annualized average returns of these benchmark indexes for the past 20 years ending June 30, 2019 shows: S&P 500 provides 5.90% in returns and Dow Jones Industrial Average provides 7.03%. Apply fees, taxes, and inflation, and it’s more like 2.5% or less. What about mutual funds? According to Credit Donkey, the 20-year return on mutual funds averages 4.67%. (PSSST: the national inflation rate is 5.4% annualized!) 

And how about single-family home rental? Depending on where your rental is, you can yield 5-10%.

Okay, now to deep dive a little more into our favorite asset and what is hopefully becoming one of your favorite ways too! Apartment syndication.

With apartment syndication, though, investors routinely return closer to 15% above annualized. It’s simple: passive investors receive above-average returns.

So let’s do some calculations. According to Rule of 72 (72/15 = 4.8 years), it will take 4.8 years to double your money!

Let’s go back to the $100K example. So in 4.8 years, your $100K will become $200K. And in 9.6 years, it will become $400K. In 19.2 years, it will become $800K.

Seeing a theme here? Wealth is a full-throttle need for speed machine. 

You see, by investing in cash flow producing assets, and in the asset class that has a high yield, your money can rapidly multiply! In less than 20 years, your $100K will become $800K.

That’s almost a MILLION dollars without you putting in any additional effort or being a landlord. But why stop there? Imagine if you make more than one investment. Over time you will stack up those investments. You see where we’re going with this right? Try not to get lost in the numbers when this is basically nothing but addition. 😚😚

Peace & Prosperity

Look, at the end of the day, we are just human beings relating to other human beings who totally know what it’s like to feel those 2 a.m. night sweats. 🙌 That’s why we are so passionate about peace. Seriously, you should see our self-care budget. But more than that, it’s peace knowing no matter what the world throws at us we will be fine because we consistently take a financial audit, know our goals, and only focus on needle mover.

It’s easy to get distracted by what’s going on in the world, and we totally get it, but taking these actions over time you will no longer have to worry about that cold sweat in the morning, just finally being in a place where you can genuinely enjoy the morning. 

Thank you so much for spending your time with us today! We are thrilled you are here! Don’t forget to download the annual checklist here. And if you’re ready to start investing and making money with apartment syndication, join our passive investor group The Kitti Freedom Club. Like what you’re hearing? Send some love with a 5-star rating and a quick review. Also, sharing is caring! Send us over to other people who you think could benefit from some financial freedom! 

Talk soon!


Grab our The Kitti Sisters Financial Checklist!



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Fortified with years of experience, fierce passive investors (we ALWAYS in our own deals), and selected high qualities investment opportunities to help build your long term wealth no matter what stage in life you're on. We will show you the ropes, help you build out a powerful, personalizes strategy, and give you masterful, financial freedom focused on living your lifestyle dreams.

We're Palmy ➕ Nancy Kitti 〰️ The Kitti Sisters

A sister duo team obsessed with all things financial freedom, passive income, and apartment investing + apartment syndication, who turned a $2,000 bank account into a nine-figure empire.  Now, we're sharing with you the behind-the-scenes secrets of our wealth building strategy.

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