EP318: I Went From Broke to $400 Million Around This Framework (Steal It)

APPLE PODCASTS | SPOTIFY

Let’s start with something raw and real:

We know what it’s like to be broke.  Not just low on money—but low on options.

There was a time when checking our bank balance before buying groceries wasn’t a habit… it was a survival skill. And when a little money finally trickled in? We did what so many of us are tempted to do—we went big. Big vacations. Big lifestyle. Big car.

But we didn’t have big wisdom yet. 😬😬

So guess what happened?

We went from broke… right back to broke.

Just wearing nicer clothes this time.

Because if your money doesn’t have a mission, it’ll disappear on accident. That’s the truth we had to learn the hard way.

So if you’re tired—not just financially, but mentally and emotionally—of living in survival mode, these are the three shifts we made to break out of the paycheck-to-paycheck loop… and into lasting wealth.

NO. 1 Give Your Money a Career

Most people wake up and do the exact opposite:
They give their time a job… and their money a nap.

Here’s the flip: Wealthy people? We make our money clock in. We give every dollar a job, a mission, and a mandate.

There are only two ways to make money:

• You can work for it. That’s trading time for dollars. But the second you stop showing up? The money stops too.
• Or you can have it work for you. That’s the investor model. Imagine getting paid $2,000 a month in passive income from a multifamily deal—whether or not you even get out of bed.

That’s what we call freedom money.

It’s not just money—it’s margin. Breathing room. Time with your family. Energy for your dreams.

And if you reinvest those returns? Your money starts bringing friends home. You go from $2,000… to $20,000. And eventually, that income covers your life—and then some.

That’s when we stop working for money and start letting money work for us.

NO. 2 Plug the Leaks – Because Taxes & Inflation Are Quietly Robbing You

Ever feel like you’re doing everything right—earning more, saving diligently—and still somehow falling behind?

That’s not a fluke. That’s the system working exactly as designed.

Here’s what most of us were never taught in school: You don’t get to keep what you earn. You only get to keep what you protect.

You earn $100K?

The IRS takes $30K.

You save $20K?

Inflation silently drains another $1K each year.

You “play it safe” by saving in a regular savings account? That’s not safety—that’s a slow fade into financial stagnation.

Meanwhile, the wealthy use tools like:

• Cash-flowing real estate (which not only pays you but lowers your taxes)
• Good debt (which lets you borrow tax-free and keep your capital growing)
• Asset-backed strategies (like borrowing against life insurance or real estate)

This isn’t just clever. It’s stewardship.

And yes—it’s biblical too. Remember the servant who buried his talent?

He didn’t lose it. But he didn’t grow it either. And he got called out—not for doing something wrong, but for doing nothing at all.

So before you hustle harder to earn more… fix the leaks.

It’s not just about how much you make. It’s how much you keep, how long you keep it, and how many times it multiplies before you ever need to touch it.

NO. 3 Own the Right Assets, Owe the Right Debt

Let’s have a moment of truth: Being “debt-free” is not the goal.

The real win?

Strategic leverage ➕ sustainable cash flow.

We get it. The world teaches: “Don’t owe anyone.”

But in the world of wealth? We owe it to ourselves to own and control assets that pay us forever.

The problem isn’t debt—it’s bad debt used for things that don’t produce a return. Like cars. Clothes. Vacations. That kind of borrowing leads to bills… but no cash flow.

Wealthy people borrow for production.

We use bank loans and investor capital to buy cash-flowing real estate, income-generating businesses, and assets that appreciate over time.

One of our favorite examples?

A multifamily property we bought using 70% bank money and 30% investor money. We didn’t need to own 100%—because we controlled the deal. We raised the NOI, improved operations, and created millions in equity… without using all our own capital.

That’s smart leverage.
That’s what it looks like to scale wealth without selling your time.

Here’s the truth no one’s shouting from the rooftops:

Most people are unconsciously choosing to stay broke. Not for a season… but for life. And not because they’re lazy—but because they’re playing a rigged game by someone else’s rules.

But not you. Not us.

We’ve decided to build wealth on purpose—and we’re doing it with biblical wisdom, sound strategy, and a whole lot of heart.

So if you’re tired of watching time slip away while your bank account barely moves?

If you’re done trading hours for dollars and want to multiply what you already have?

Then let’s get to work—the smarter way.

We’re putting the finishing touches on our $$ Playbook—the exact A-to-Z framework we used to go from broke to managing over $400 million in multifamily real estate.

Because if we can do it?

So. Can. You.🤟❤️