1 00:00:00,160 --> 00:00:03,480 Speaker 1: Still living in manually taking notes. There is a better 2 00:00:03,480 --> 00:00:05,560 Speaker 1: way to start the new year with auto dot ai 3 00:00:05,720 --> 00:00:09,040 Speaker 1: automatically get meeting notes. Auto dot ai works for virtual 4 00:00:09,039 --> 00:00:11,680 Speaker 1: meetings like Zoom, Microsoft Teams, and Google Meet. Sign up 5 00:00:11,720 --> 00:00:13,319 Speaker 1: on the web for free or download in the app 6 00:00:13,360 --> 00:00:15,960 Speaker 1: stores auto dot ai. That's O T T e r 7 00:00:16,120 --> 00:00:20,680 Speaker 1: dot Ai. This podcast is sponsored by Better Help Online Therapy. 8 00:00:20,800 --> 00:00:24,680 Speaker 1: I'm Michlene Maloof and I'm Nadiadesi licensed therapists and hosts 9 00:00:24,680 --> 00:00:27,160 Speaker 1: of Getting Better Stories of Mental Health. Join us for 10 00:00:27,200 --> 00:00:30,520 Speaker 1: discussions with Megan Trainer, Chris Bosh, Rebel Wilson, and more, 11 00:00:30,680 --> 00:00:34,360 Speaker 1: from discussing motherhood to immigrating to general mental health. Our 12 00:00:34,440 --> 00:00:37,680 Speaker 1: guests are awe inspiring. We all struggle with the same things, 13 00:00:37,840 --> 00:00:40,600 Speaker 1: so let's talk about it and de stigmatize them. Find 14 00:00:40,640 --> 00:00:43,800 Speaker 1: our new podcast, Getting Better Stories of Mental Health on 15 00:00:43,880 --> 00:00:48,800 Speaker 1: iHeart Apple Podcasts and Spotify. There's a monumental shift in 16 00:00:48,920 --> 00:00:53,680 Speaker 1: power at work. Employees are speaking up, Turnover is rising, 17 00:00:53,960 --> 00:00:58,720 Speaker 1: salaries are increasing, hiring is tough, and burnout is real. 18 00:00:59,560 --> 00:01:03,560 Speaker 1: It's to unleash growth. It's time to transform your HR 19 00:01:03,880 --> 00:01:09,840 Speaker 1: from powerless to powerful. Join a DP on February reserve 20 00:01:09,959 --> 00:01:13,319 Speaker 1: your spoil Now go to get the plan dot ADP 21 00:01:13,480 --> 00:01:18,160 Speaker 1: dot com to register for the Work Interrupted Summit. Welcome 22 00:01:18,160 --> 00:01:20,960 Speaker 1: to Money Making Conversations. I am your host with Sean McDonald. 23 00:01:21,080 --> 00:01:23,840 Speaker 1: Isn't it is important to understand that everybody travels a 24 00:01:23,840 --> 00:01:26,800 Speaker 1: different path to success. That is because your brain is different, 25 00:01:26,840 --> 00:01:29,320 Speaker 1: the challenges you're facing your life are different. So stop 26 00:01:29,319 --> 00:01:32,039 Speaker 1: reading other people's success stories and started writing your own. 27 00:01:32,319 --> 00:01:35,000 Speaker 1: My Money Making Conversation interviews will encourage you to leave 28 00:01:35,080 --> 00:01:37,640 Speaker 1: with your gifts and never use age as an excuse 29 00:01:37,760 --> 00:01:40,440 Speaker 1: when you're planning your goals. My next guest is a 30 00:01:40,480 --> 00:01:43,760 Speaker 1: real estate and investor in entrepreneur. He started investing in 31 00:01:43,800 --> 00:01:46,920 Speaker 1: real estate when he started watching a YouTube videos, just 32 00:01:47,000 --> 00:01:49,080 Speaker 1: YouTube videos, you know, self health videos. You can just 33 00:01:49,120 --> 00:01:50,560 Speaker 1: turn on the people start talking about how you can 34 00:01:50,560 --> 00:01:53,040 Speaker 1: make money. And now he owns over two million dollars 35 00:01:53,040 --> 00:01:57,400 Speaker 1: in property. So obviously he learned something from those YouTube videos. 36 00:01:57,440 --> 00:01:59,080 Speaker 1: So that's that's part of our story that we're gonna 37 00:01:59,120 --> 00:02:01,520 Speaker 1: talk about to He wants to share his story and 38 00:02:01,520 --> 00:02:04,840 Speaker 1: he's written a book, an e book called interest Free 39 00:02:04,880 --> 00:02:07,120 Speaker 1: Money Guy. The book was written to educate you on 40 00:02:07,280 --> 00:02:10,440 Speaker 1: business credit. This This book was created to provide a 41 00:02:10,440 --> 00:02:13,840 Speaker 1: step by step guide on how to effectively utilize business credit. 42 00:02:14,200 --> 00:02:16,720 Speaker 1: His book will teach you how to access interest free 43 00:02:16,720 --> 00:02:20,120 Speaker 1: credit on Twitter. Fifteen business card to cards, I got 44 00:02:20,160 --> 00:02:22,280 Speaker 1: a bunch of so hey, I don't have twar the fifteen, 45 00:02:22,320 --> 00:02:23,919 Speaker 1: but I got a lot of credit card And we 46 00:02:23,960 --> 00:02:25,880 Speaker 1: will also discuss how he got started in the real 47 00:02:25,960 --> 00:02:28,160 Speaker 1: estate at such a young age. Please walking to money 48 00:02:28,200 --> 00:02:32,000 Speaker 1: Making Conversation straight out Louisiana by way. I'm laughing, yette, 49 00:02:32,720 --> 00:02:36,400 Speaker 1: Mr O'Neill Parker. Are you doing man? How are you 50 00:02:36,440 --> 00:02:38,960 Speaker 1: doing pretty good? Well? You know you're that real estate 51 00:02:39,040 --> 00:02:41,959 Speaker 1: game and uh, you know they said when the pandemic hit, 52 00:02:41,960 --> 00:02:43,920 Speaker 1: did it? You know? What type of real estate are 53 00:02:44,000 --> 00:02:45,880 Speaker 1: in the commercial real estate? Are you at homes? What 54 00:02:45,919 --> 00:02:49,720 Speaker 1: type of real estate are you in? Residential houses? Okay, 55 00:02:50,760 --> 00:02:53,640 Speaker 1: okay with brother, Now, how was that when you were 56 00:02:53,639 --> 00:02:56,160 Speaker 1: well you were able to show your homes? Or how 57 00:02:56,160 --> 00:02:58,799 Speaker 1: do people didn't stop completely? Or where are you at 58 00:02:58,880 --> 00:03:03,720 Speaker 1: right now with residents? You're on themselves. Honestly, everything went 59 00:03:03,760 --> 00:03:07,120 Speaker 1: pretty well, so we didn't really get affected by the 60 00:03:07,120 --> 00:03:10,119 Speaker 1: coronavirus that bed, so all the tenants kept playing. So 61 00:03:10,200 --> 00:03:12,760 Speaker 1: the thing what I do is are big on rent. 62 00:03:12,800 --> 00:03:15,440 Speaker 1: To own and section eight. So you know, sex, it 63 00:03:15,560 --> 00:03:18,240 Speaker 1: has never entertainment since it's been opened, and the thing 64 00:03:18,280 --> 00:03:22,480 Speaker 1: would rent to owners. Um, the tenants that living those properties, 65 00:03:22,480 --> 00:03:25,000 Speaker 1: they put a big down payment and they're committed to 66 00:03:25,040 --> 00:03:27,000 Speaker 1: buying that hus. So basically I become the bank on 67 00:03:27,040 --> 00:03:30,200 Speaker 1: that property. And I'm not really just a landlord. That's 68 00:03:30,240 --> 00:03:31,919 Speaker 1: like you know, you when you buy your house, you 69 00:03:31,960 --> 00:03:35,040 Speaker 1: don't call Wells Fargo when the toilet goes out, so 70 00:03:35,200 --> 00:03:38,520 Speaker 1: you just yeah, that's just the bank for you. Okay, cool. 71 00:03:38,680 --> 00:03:42,360 Speaker 1: So basically, what with that being said, what exactly is 72 00:03:42,400 --> 00:03:44,680 Speaker 1: your business model that you put in that you have 73 00:03:45,080 --> 00:03:46,440 Speaker 1: in the real est game game? Because I heard you 74 00:03:46,480 --> 00:03:49,360 Speaker 1: say section eight and then forever we get started, I've 75 00:03:49,360 --> 00:03:51,600 Speaker 1: heard that term a lot in my life. Sex and eight. 76 00:03:51,920 --> 00:03:55,840 Speaker 1: What exactly is a section eight person? Okay, So I'm 77 00:03:55,840 --> 00:03:58,720 Speaker 1: gonna start with the section eight question. Um, sex is 78 00:03:58,800 --> 00:04:02,840 Speaker 1: basically regularly evil um with low income. They use the 79 00:04:02,920 --> 00:04:05,760 Speaker 1: government to help him out because they're not making enough money. 80 00:04:05,880 --> 00:04:08,240 Speaker 1: So the government pitches in and pays a portion of 81 00:04:08,280 --> 00:04:11,119 Speaker 1: the rent or the whole rent. That's all sex made. 82 00:04:11,120 --> 00:04:15,040 Speaker 1: It is just a federal program help low income people. 83 00:04:15,240 --> 00:04:17,719 Speaker 1: And when you said low income people, What are we 84 00:04:17,800 --> 00:04:20,800 Speaker 1: talking like under twenty thousand dollars on the fifty annually 85 00:04:20,920 --> 00:04:23,200 Speaker 1: or fifteen thousand dollars and you only thirty what is 86 00:04:23,200 --> 00:04:27,080 Speaker 1: that the worst they considered a low income number. First, 87 00:04:27,400 --> 00:04:30,880 Speaker 1: every market is different. So you know, Louisiana pretty poor. 88 00:04:30,920 --> 00:04:34,440 Speaker 1: So if you make um like under twenty thousand, you 89 00:04:34,480 --> 00:04:37,120 Speaker 1: can apply for session. But it really just depends you 90 00:04:37,160 --> 00:04:39,480 Speaker 1: can make twenty five thousand. Just the people that make 91 00:04:39,520 --> 00:04:42,040 Speaker 1: twenty of course they're gonna pay more than rent compared 92 00:04:42,080 --> 00:04:43,880 Speaker 1: to the people that makes twenty five tho years. So 93 00:04:44,279 --> 00:04:47,040 Speaker 1: sex pays lazers say you're into eight hundreds, that poblic 94 00:04:47,120 --> 00:04:50,080 Speaker 1: day seven fifty and the tenant pay fifty. But depending 95 00:04:50,080 --> 00:04:52,080 Speaker 1: on what your job is and how much money you make, 96 00:04:52,160 --> 00:04:54,960 Speaker 1: it just depends on how much they're gonna pay. Okay, cool, 97 00:04:55,040 --> 00:04:57,400 Speaker 1: and now I reached I bring that up and inquiring 98 00:04:57,440 --> 00:05:01,120 Speaker 1: because when you when you talk about you watch television, 99 00:05:01,279 --> 00:05:04,719 Speaker 1: you talk about it, you you you're doing business with 100 00:05:04,760 --> 00:05:08,719 Speaker 1: people and they consider to be uh uh slow payers 101 00:05:08,800 --> 00:05:12,080 Speaker 1: or no payers, uh a dead beat, people who are 102 00:05:12,120 --> 00:05:14,360 Speaker 1: just sponges off of the government. That's the negative that 103 00:05:14,400 --> 00:05:18,160 Speaker 1: you get when people use the word welfare or section 104 00:05:18,240 --> 00:05:22,880 Speaker 1: eight people, So explain why did you decide to have 105 00:05:22,960 --> 00:05:26,120 Speaker 1: that part of your business model. People on the on 106 00:05:26,160 --> 00:05:30,560 Speaker 1: the indie section eight platform. Uh, you know what they 107 00:05:30,600 --> 00:05:34,560 Speaker 1: say about those people is really just um it's here thing. 108 00:05:34,880 --> 00:05:36,800 Speaker 1: So you know, you can't get advice from people that's 109 00:05:36,880 --> 00:05:38,920 Speaker 1: not really in the business. So the people that are 110 00:05:38,960 --> 00:05:42,800 Speaker 1: really in the business, they enjoy sections to what the 111 00:05:42,880 --> 00:05:47,359 Speaker 1: section vouchers. The thing about section it is the people 112 00:05:47,360 --> 00:05:49,400 Speaker 1: that has all those headaches, that all those people in 113 00:05:49,440 --> 00:05:52,320 Speaker 1: the landlords that accept the first person. So it's the 114 00:05:52,360 --> 00:05:54,760 Speaker 1: same as if you're written into a regular family. You 115 00:05:54,760 --> 00:05:56,400 Speaker 1: don't just take the first person. You have to do 116 00:05:56,440 --> 00:05:58,840 Speaker 1: all your due diligence. So it's the same with SECNIC. 117 00:05:59,760 --> 00:06:01,800 Speaker 1: You with your application out there, you put your problem 118 00:06:01,839 --> 00:06:03,599 Speaker 1: out there for rent, and then a lot of people 119 00:06:03,600 --> 00:06:06,520 Speaker 1: start calling your texting your Hey I'm interested in this property. 120 00:06:06,520 --> 00:06:08,960 Speaker 1: Of course you're not gonna accept the first person. So 121 00:06:09,040 --> 00:06:10,880 Speaker 1: you gotta do your proper due diligence to do your 122 00:06:10,880 --> 00:06:15,360 Speaker 1: background check, you know, check the job, check their credit, um, 123 00:06:15,560 --> 00:06:18,200 Speaker 1: call their former landlord and things like that. So if 124 00:06:18,200 --> 00:06:20,719 Speaker 1: you follow the steps, you can usually get yourself a 125 00:06:20,720 --> 00:06:23,320 Speaker 1: good tent. Now you get you know, you get the 126 00:06:23,320 --> 00:06:25,360 Speaker 1: person that said they got it. That's typically a bad 127 00:06:25,400 --> 00:06:27,280 Speaker 1: tenant because you're not doing nothing of your research on 128 00:06:27,320 --> 00:06:30,320 Speaker 1: that person. I understand what you're saying here. You're saying 129 00:06:30,400 --> 00:06:35,440 Speaker 1: rashand look, they're bad apples in a batch. Okay, don't 130 00:06:35,440 --> 00:06:37,560 Speaker 1: do your like like you know, like you're trying to 131 00:06:37,640 --> 00:06:42,200 Speaker 1: hire good employee. You're any person, you call their references, 132 00:06:42,839 --> 00:06:44,839 Speaker 1: you go on their social media that he got some 133 00:06:44,920 --> 00:06:47,080 Speaker 1: crazy pictures on social media. That might not be the 134 00:06:47,120 --> 00:06:50,240 Speaker 1: person you want to hire. So the same thing here, 135 00:06:50,760 --> 00:06:52,080 Speaker 1: So the same thing here. You have to do the 136 00:06:52,080 --> 00:06:55,440 Speaker 1: same thing with these individuals. It's not about a stigma 137 00:06:55,520 --> 00:06:57,560 Speaker 1: than being in section age. It's some people out there 138 00:06:57,600 --> 00:07:00,320 Speaker 1: who are trying to live a better life, try to 139 00:07:00,400 --> 00:07:03,279 Speaker 1: step up, trying to get into a better environment for 140 00:07:03,320 --> 00:07:07,440 Speaker 1: their kids, for their families, and your your situation and 141 00:07:07,720 --> 00:07:09,880 Speaker 1: enables that. And it's worked out pretty well for you. 142 00:07:10,160 --> 00:07:14,560 Speaker 1: And you're based in Lafayette, Louisiana. Correct, Yes, sir, that's 143 00:07:14,600 --> 00:07:16,840 Speaker 1: my market. That's your market. Now are you looking to 144 00:07:16,920 --> 00:07:19,600 Speaker 1: expand out of that market? You're just gonna dominate, laugh, 145 00:07:20,360 --> 00:07:22,080 Speaker 1: gonna be the king of Lafayette, that's what you're trying 146 00:07:22,120 --> 00:07:24,600 Speaker 1: to do. Yeah, I'm trying to take over a little bit. 147 00:07:24,640 --> 00:07:32,280 Speaker 1: So it's currently my market to laft market. So if 148 00:07:32,280 --> 00:07:34,000 Speaker 1: anybody doesn't know where laugh he had left head is 149 00:07:34,080 --> 00:07:35,760 Speaker 1: right on I T N E S. And what he 150 00:07:35,880 --> 00:07:39,200 Speaker 1: just said is you go just go straight down I 151 00:07:39,320 --> 00:07:43,040 Speaker 1: Tennis heading from Houston, Texas. Okay, just going down there, 152 00:07:43,040 --> 00:07:45,480 Speaker 1: you're gonna hit laughy at first, then you're gonna have 153 00:07:45,560 --> 00:07:48,240 Speaker 1: the capital that's baton rouge. Then you're gonna slide right 154 00:07:48,280 --> 00:07:51,400 Speaker 1: on end to New Orleans. So he's he's really going 155 00:07:51,440 --> 00:07:53,760 Speaker 1: down there. I called him. I'm gonna call him the gumboat, 156 00:07:54,000 --> 00:07:56,600 Speaker 1: the gumbo real estate man, right because he's doing the gumbo. Bro. 157 00:07:56,920 --> 00:08:00,520 Speaker 1: He controlling all the gumbo right there, Mr Parker and everything. 158 00:08:00,600 --> 00:08:03,040 Speaker 1: I'm trying to man, we're good. Well, you know I was. 159 00:08:03,520 --> 00:08:06,440 Speaker 1: I want to talk about you getting started this business 160 00:08:06,480 --> 00:08:10,440 Speaker 1: because there's so many TV shows on, you know, Flip That, 161 00:08:10,480 --> 00:08:13,560 Speaker 1: Flip Dead by this, your people coming to town talking 162 00:08:13,560 --> 00:08:16,360 Speaker 1: about you can get read if you listen to their model, 163 00:08:16,480 --> 00:08:18,600 Speaker 1: and how you can get into the real estate game. 164 00:08:18,960 --> 00:08:21,880 Speaker 1: Now you yourself. When I was reading your bio, he said, 165 00:08:21,920 --> 00:08:24,920 Speaker 1: you started watching YouTube videos. That's how you got in 166 00:08:24,920 --> 00:08:28,680 Speaker 1: the real estate game. Correct, yes, sir, yes, Sara, and 167 00:08:28,760 --> 00:08:32,480 Speaker 1: so um I started my business back in two thousands sixteen, 168 00:08:33,040 --> 00:08:35,400 Speaker 1: is around November. I closed my first deal. So I 169 00:08:35,440 --> 00:08:38,080 Speaker 1: started my business. It was sixty three dollars. So you 170 00:08:38,120 --> 00:08:40,400 Speaker 1: know all the YouTube videos that watches like you can 171 00:08:40,480 --> 00:08:42,760 Speaker 1: get into real estate with little money or no credits. 172 00:08:43,080 --> 00:08:44,599 Speaker 1: So you know, I want to figure it out and 173 00:08:44,640 --> 00:08:48,280 Speaker 1: see that's true. So um, I orted mid some blank signs, 174 00:08:48,440 --> 00:08:51,280 Speaker 1: so you know the political sign that you say like 175 00:08:51,520 --> 00:08:54,000 Speaker 1: both for this guy or whatever, those type of signs. 176 00:08:54,000 --> 00:08:56,679 Speaker 1: But I ordered some blink one and I wrote we 177 00:08:56,720 --> 00:08:58,800 Speaker 1: bought houses on them. So I put those signs out 178 00:08:58,960 --> 00:09:01,679 Speaker 1: within three weeks of May, two thousand dollars and then 179 00:09:01,760 --> 00:09:05,400 Speaker 1: umdy hold on the park right, So I got a 180 00:09:05,400 --> 00:09:08,520 Speaker 1: couple of houses. And because I live in both cities 181 00:09:08,960 --> 00:09:11,800 Speaker 1: and different cities, you know, I always get these these 182 00:09:11,840 --> 00:09:14,680 Speaker 1: little cards people mailing me calling me tellut I buy 183 00:09:14,720 --> 00:09:16,920 Speaker 1: my house, we'll buy your house, We'll buy your house, 184 00:09:17,320 --> 00:09:18,800 Speaker 1: you know, and I have to ignore them because I'm 185 00:09:18,800 --> 00:09:21,880 Speaker 1: not selling my house. So you just said you had 186 00:09:21,880 --> 00:09:24,400 Speaker 1: some signs, like those little political signs that you see 187 00:09:24,400 --> 00:09:27,280 Speaker 1: people stick in the yard, and you put we buy houses, 188 00:09:27,360 --> 00:09:30,240 Speaker 1: and then you jumped to saying you made two thousand dollars. 189 00:09:30,280 --> 00:09:32,680 Speaker 1: Now there are some steps that you missed that we 190 00:09:32,800 --> 00:09:35,320 Speaker 1: have to say on Money Making Conversation dot com. So 191 00:09:35,400 --> 00:09:38,600 Speaker 1: you put the sign out, you put the sign out, 192 00:09:38,720 --> 00:09:41,160 Speaker 1: you you put on that neatly road, we buy holl 193 00:09:41,320 --> 00:09:44,520 Speaker 1: we buy homes, or we buy houses. What happened after that? 194 00:09:45,720 --> 00:09:49,480 Speaker 1: All right? So basically I did my market the strategy 195 00:09:49,520 --> 00:09:52,800 Speaker 1: that I've used to do that was called hotelling, which 196 00:09:52,800 --> 00:09:56,360 Speaker 1: hotelling is if you're advertising to the stressed sellers. So 197 00:09:56,440 --> 00:09:59,400 Speaker 1: people have gone through the vorce. Um, they have two 198 00:09:59,440 --> 00:10:04,200 Speaker 1: in their pairs. You can't fix long grass co violations. Uh, 199 00:10:04,320 --> 00:10:06,320 Speaker 1: this is a bunch of different things. So I'm marketing 200 00:10:06,320 --> 00:10:10,640 Speaker 1: into direct directly to the stress sellers. So I put 201 00:10:10,679 --> 00:10:15,120 Speaker 1: those signs out marketing. We bought houses, started getting phone calls. Um, 202 00:10:15,520 --> 00:10:17,360 Speaker 1: there was a father and the son. The house just 203 00:10:17,400 --> 00:10:19,560 Speaker 1: got flood So I was in the bad Movis market 204 00:10:19,600 --> 00:10:21,240 Speaker 1: at the time. We had a big flood in two 205 00:10:21,240 --> 00:10:26,079 Speaker 1: thousand sixteen. So the house was flooded. They had flood insurance, 206 00:10:26,080 --> 00:10:27,480 Speaker 1: so they got they checked there was just ready to 207 00:10:27,480 --> 00:10:30,560 Speaker 1: settle house. So I went to the house, offered them 208 00:10:31,280 --> 00:10:34,280 Speaker 1: seventy thousand. So the a r V at the house 209 00:10:34,360 --> 00:10:36,600 Speaker 1: was called after repair that you have to order repairs 210 00:10:36,760 --> 00:10:39,320 Speaker 1: done like a brand house was about two hundred and 211 00:10:39,360 --> 00:10:43,440 Speaker 1: thirty thousand. So I got under contract seven thousand, and 212 00:10:43,480 --> 00:10:46,520 Speaker 1: then I saw that pizza paper to another investors for 213 00:10:46,920 --> 00:10:49,600 Speaker 1: seventy two thousands? How many two thousands on that deal? 214 00:10:51,520 --> 00:10:55,559 Speaker 1: And now that's called hostel in real estate? Okay, okay? 215 00:10:55,600 --> 00:10:58,959 Speaker 1: And so that person gets the house, they pay seven 216 00:10:59,000 --> 00:11:00,880 Speaker 1: to two thousand four and they can sell it wherever 217 00:11:00,960 --> 00:11:04,160 Speaker 1: they want to selling that right right, So typically they 218 00:11:04,200 --> 00:11:07,480 Speaker 1: buy it for me for seven two to put all 219 00:11:07,480 --> 00:11:09,880 Speaker 1: the repairs into it. Let's just say they all in 220 00:11:09,880 --> 00:11:11,720 Speaker 1: that one fifty and they tell us a two tony 221 00:11:11,760 --> 00:11:14,800 Speaker 1: and they make a profit. Now you got all this 222 00:11:14,880 --> 00:11:18,719 Speaker 1: from a YouTube video? Yes see, not just want to 223 00:11:18,760 --> 00:11:21,520 Speaker 1: see you? Okay, Now, what motivated you to go to YouTube? 224 00:11:21,520 --> 00:11:24,120 Speaker 1: Because you hear all these commercials on TV, you know, 225 00:11:24,480 --> 00:11:26,800 Speaker 1: buy this or dialoade this, or go to a webinar. 226 00:11:27,440 --> 00:11:30,400 Speaker 1: Would you recommend people going to YouTube to learn about 227 00:11:30,400 --> 00:11:33,480 Speaker 1: how to get in the real estate business, I would say, 228 00:11:34,200 --> 00:11:37,120 Speaker 1: me and myself, I'm cheap, so that's the first step 229 00:11:37,160 --> 00:11:39,040 Speaker 1: for me. Let's see all the information I can find 230 00:11:39,600 --> 00:11:42,160 Speaker 1: free first and to see if I'm really interested in 231 00:11:42,200 --> 00:11:44,719 Speaker 1: because why I pay money if you don't even know 232 00:11:44,720 --> 00:11:47,360 Speaker 1: if you're interested in that type of thing. So that's 233 00:11:47,440 --> 00:11:50,680 Speaker 1: my that's my idea. And you know, and uh, YouTube 234 00:11:50,720 --> 00:11:53,240 Speaker 1: is like a big university, have pretty much everything anything 235 00:11:53,280 --> 00:11:55,280 Speaker 1: you need. You know, if you need a sixty cards 236 00:11:55,280 --> 00:11:57,160 Speaker 1: on there, you want to buy a house or learn 237 00:11:57,240 --> 00:11:59,520 Speaker 1: to trying to buy houses on there. So I always 238 00:11:59,520 --> 00:12:02,600 Speaker 1: say that's the first step google YouTube, figure out what 239 00:12:02,640 --> 00:12:05,120 Speaker 1: it is. You know, if you're really interested, then you know, 240 00:12:05,240 --> 00:12:08,199 Speaker 1: take the next step. Say somebody has been through its 241 00:12:08,280 --> 00:12:11,000 Speaker 1: know what to do, and then you go from there. Well, 242 00:12:11,040 --> 00:12:13,120 Speaker 1: it's an interesting thing about it. First of all, I 243 00:12:13,120 --> 00:12:16,160 Speaker 1: don't want to you can say because you cheap. That's 244 00:12:16,280 --> 00:12:19,640 Speaker 1: I say, you're smart because of the fact that technology. 245 00:12:19,679 --> 00:12:21,880 Speaker 1: And I always tell that to Abody because my predominant 246 00:12:21,960 --> 00:12:24,520 Speaker 1: artist is African Americans, and sometimes we don't take advantage 247 00:12:24,520 --> 00:12:29,520 Speaker 1: of what technology provides us, you know, right, and and 248 00:12:29,520 --> 00:12:31,400 Speaker 1: then you know, and the research is out there for 249 00:12:31,440 --> 00:12:34,240 Speaker 1: free as long as you have WiFi, as long as 250 00:12:34,240 --> 00:12:35,559 Speaker 1: you and you can do this on your phone. You've 251 00:12:35,559 --> 00:12:37,320 Speaker 1: got your cell phone. You're doing your cell phone, so 252 00:12:37,400 --> 00:12:38,480 Speaker 1: you can know. You don't have to go get a 253 00:12:38,559 --> 00:12:40,880 Speaker 1: laptop or go get a computer, or you know, go 254 00:12:40,960 --> 00:12:42,760 Speaker 1: to a tech store. You can do this on your 255 00:12:42,800 --> 00:12:45,920 Speaker 1: phone and educate yourself. And these were just YouTube and 256 00:12:45,960 --> 00:12:48,079 Speaker 1: you just went on YouTube. We just google you real 257 00:12:48,240 --> 00:12:50,440 Speaker 1: estate or what do you do on YouTube? That you 258 00:12:50,840 --> 00:12:52,840 Speaker 1: was able to get you to to the right videos. 259 00:12:54,080 --> 00:12:57,160 Speaker 1: So I'm gonna break down the store. So I was 260 00:12:57,160 --> 00:13:02,560 Speaker 1: twenty one, my first house. Nobody told you to do this. 261 00:13:02,720 --> 00:13:05,840 Speaker 1: You just decided to do this on your own. Yeah. 262 00:13:06,000 --> 00:13:08,360 Speaker 1: So the reason being I was living in left It 263 00:13:08,480 --> 00:13:10,079 Speaker 1: at the time, and my job was in Baton Rouge 264 00:13:10,080 --> 00:13:11,680 Speaker 1: and I'm not I don't like the drop, so I 265 00:13:11,679 --> 00:13:14,120 Speaker 1: wanted to live close to my job, so I went 266 00:13:14,440 --> 00:13:16,600 Speaker 1: um straight from my parents house to my own host. 267 00:13:17,040 --> 00:13:19,440 Speaker 1: I was just uh looking in the area looking for 268 00:13:19,480 --> 00:13:22,240 Speaker 1: the house to buy. Couldn't really find anything, and I've 269 00:13:22,280 --> 00:13:24,320 Speaker 1: seen the house that they just pulled a slab. So 270 00:13:24,360 --> 00:13:27,160 Speaker 1: I got with a developer. We got together and finished 271 00:13:27,160 --> 00:13:29,160 Speaker 1: the house and then that's how I did that. And 272 00:13:29,200 --> 00:13:31,640 Speaker 1: I purchased that house with f h a loan which 273 00:13:31,640 --> 00:13:35,600 Speaker 1: is three and a half percent down. And then a 274 00:13:35,720 --> 00:13:38,360 Speaker 1: year after that, I was just on YouTube again. Searching 275 00:13:38,400 --> 00:13:41,400 Speaker 1: how to make more money, and then uh, real estate 276 00:13:41,440 --> 00:13:43,920 Speaker 1: kept popping up, and then hotels popped up, and then 277 00:13:44,000 --> 00:13:46,800 Speaker 1: I took off from them. And that's how that happens. 278 00:13:49,280 --> 00:13:51,240 Speaker 1: You just took off from there, and now you have 279 00:13:51,320 --> 00:13:56,559 Speaker 1: over two million dollars and real estate problems. Yes, yes, 280 00:13:56,679 --> 00:14:01,920 Speaker 1: and you you you do you leave that so many 281 00:14:02,120 --> 00:14:04,280 Speaker 1: parts it because you talk your fast talker to I 282 00:14:04,280 --> 00:14:07,240 Speaker 1: can tell that to you. You you you talk quick now, 283 00:14:07,360 --> 00:14:08,880 Speaker 1: and so I'm gonna slowing you down because I'm a 284 00:14:08,960 --> 00:14:11,679 Speaker 1: Texas boy. I like for people to talk, especially when 285 00:14:11,679 --> 00:14:13,600 Speaker 1: you're talking about money. That's when you're talking about money, 286 00:14:13,760 --> 00:14:15,120 Speaker 1: what you can't do and say, well, you know, I'm 287 00:14:15,120 --> 00:14:17,120 Speaker 1: went from seventy to seventy two and now I got 288 00:14:17,160 --> 00:14:21,240 Speaker 1: two million dollars. Excuse me, excuse me, excuse me. You know, 289 00:14:21,840 --> 00:14:23,360 Speaker 1: you can't do me like that. You can't do that, 290 00:14:23,600 --> 00:14:26,840 Speaker 1: you can't do my listeners like that. Because there had 291 00:14:26,880 --> 00:14:29,960 Speaker 1: to be some some like some slow down moments. So 292 00:14:30,120 --> 00:14:34,320 Speaker 1: oh no, wow, that wasn't a good move there, Wow, 293 00:14:34,440 --> 00:14:40,360 Speaker 1: because you am I not. Everything has been a solid success. Nah, 294 00:14:40,480 --> 00:14:42,200 Speaker 1: you know, it's a lot more to it all. This 295 00:14:42,320 --> 00:14:44,880 Speaker 1: really starts from the beginning, which is what your mindset. 296 00:14:44,920 --> 00:14:46,480 Speaker 1: You know, if your mindset is not right, you can't 297 00:14:46,520 --> 00:14:48,720 Speaker 1: do none of this stuff I'm talking about, right, So 298 00:14:48,800 --> 00:14:50,960 Speaker 1: that's the first step. What I had to do this. 299 00:14:51,640 --> 00:14:54,560 Speaker 1: I had to focus on what I want to do, realize, 300 00:14:54,920 --> 00:14:57,200 Speaker 1: you know, what I want to do with my family, well, 301 00:14:57,320 --> 00:14:59,920 Speaker 1: realize what I want to do myself, and just cool 302 00:15:00,080 --> 00:15:02,680 Speaker 1: us a little bit for like two years. I say 303 00:15:02,320 --> 00:15:06,080 Speaker 1: lots and read books podcast. I'm not really a clever 304 00:15:06,200 --> 00:15:08,200 Speaker 1: type of person, so I wasn't really going out of anything. 305 00:15:09,240 --> 00:15:11,560 Speaker 1: I wasn't really talking to friends. I was just spoken 306 00:15:11,600 --> 00:15:13,800 Speaker 1: on what I had to do. And that's how it really, 307 00:15:13,920 --> 00:15:16,480 Speaker 1: That's how everything happened. How it to go. Well, a 308 00:15:16,520 --> 00:15:18,640 Speaker 1: lot of people don't realize that they have to sacrifice 309 00:15:18,680 --> 00:15:20,240 Speaker 1: a lot of things to get what you really wants, 310 00:15:20,760 --> 00:15:22,760 Speaker 1: and a lot of people are not ready for that. 311 00:15:22,760 --> 00:15:25,280 Speaker 1: That's what I want to talk about. Because everybody wants 312 00:15:25,360 --> 00:15:29,560 Speaker 1: that that ferrari, everybody wants that diamond ring, everybody wants 313 00:15:29,600 --> 00:15:32,760 Speaker 1: that fat bank account. But there are sacrifices that you 314 00:15:32,800 --> 00:15:35,640 Speaker 1: have to make, and we make those sacrifices. There has 315 00:15:35,680 --> 00:15:37,520 Speaker 1: to be a goal in mind as to why you're 316 00:15:37,520 --> 00:15:40,360 Speaker 1: making those sacrifices and That's what we're talking about because 317 00:15:40,400 --> 00:15:43,080 Speaker 1: you start, you made that that conscious decision at twenty one, 318 00:15:43,320 --> 00:15:46,000 Speaker 1: and we all know twenty one mindset is to you know, 319 00:15:46,360 --> 00:15:49,080 Speaker 1: to be out the club and party and hanging, and 320 00:15:49,120 --> 00:15:52,840 Speaker 1: you decided to know this is uh, this is an 321 00:15:52,880 --> 00:15:56,240 Speaker 1: opportunity to better my life. But you now are you? 322 00:15:56,280 --> 00:15:58,840 Speaker 1: Are you working a full time job? Now? Is real 323 00:15:58,960 --> 00:16:01,960 Speaker 1: estate all you do? Yeah? I say my full time 324 00:16:02,040 --> 00:16:04,040 Speaker 1: job as well. But the thing about my job is 325 00:16:04,040 --> 00:16:07,200 Speaker 1: pretty easily exact. Over forty of the week, works like 326 00:16:07,240 --> 00:16:09,600 Speaker 1: maybe two hours a day. So while I'm at that job, 327 00:16:09,640 --> 00:16:12,080 Speaker 1: I'm still working real estate as well. That's another thing 328 00:16:12,120 --> 00:16:14,280 Speaker 1: I want to talk about. A lot of people don't 329 00:16:14,280 --> 00:16:16,160 Speaker 1: like their jobs or like what they do, but they're 330 00:16:16,200 --> 00:16:18,240 Speaker 1: not really maximizing all the time. They do have to 331 00:16:18,240 --> 00:16:20,160 Speaker 1: get out the job that they don't want to have. 332 00:16:20,960 --> 00:16:22,680 Speaker 1: So you can't want to be at your job complaining. 333 00:16:22,680 --> 00:16:24,720 Speaker 1: Are they're not really doing nothing about it after you 334 00:16:24,720 --> 00:16:27,480 Speaker 1: get off of work or doing your lunch break, And um, 335 00:16:27,520 --> 00:16:30,040 Speaker 1: that's how I started. So while I was at work, 336 00:16:30,440 --> 00:16:32,640 Speaker 1: wasn't doing anything. I got on my computer and got 337 00:16:32,680 --> 00:16:35,560 Speaker 1: to work and they started calling people making deals happen. 338 00:16:35,680 --> 00:16:37,520 Speaker 1: And then that's how it all happened for me. And 339 00:16:37,560 --> 00:16:39,600 Speaker 1: then after work, I was going to sleep at like 340 00:16:39,640 --> 00:16:42,880 Speaker 1: ten o'clock, eleven o'clock, working at three or full five 341 00:16:42,880 --> 00:16:44,600 Speaker 1: in the morning to do the same thing over and 342 00:16:44,640 --> 00:16:46,880 Speaker 1: over again. And as the things I was telling you about, 343 00:16:47,480 --> 00:16:50,000 Speaker 1: a lot of people not really sacrifice all their time 344 00:16:50,080 --> 00:16:53,720 Speaker 1: to learn and developing, but uh time and work into 345 00:16:53,760 --> 00:16:57,560 Speaker 1: their business. They rather um after work, go hang out 346 00:16:57,680 --> 00:17:00,480 Speaker 1: at the ball, go play softball, play the video games 347 00:17:00,480 --> 00:17:03,160 Speaker 1: and things like that. Man, that's hindering the growth if 348 00:17:03,160 --> 00:17:04,800 Speaker 1: you're not really all in on what you're trying to do. 349 00:17:05,560 --> 00:17:09,320 Speaker 1: It's finally here the season of celebration. And no matter 350 00:17:09,400 --> 00:17:12,560 Speaker 1: how you celebrate with family and friends, whether you're preparing 351 00:17:12,640 --> 00:17:16,240 Speaker 1: for Reis magos or Karamu lighting the Manura, are going 352 00:17:16,280 --> 00:17:19,159 Speaker 1: to midnight mass, Coals has just what you need to 353 00:17:19,240 --> 00:17:23,000 Speaker 1: make those traditions special. Plus you'll find gifts for all 354 00:17:23,000 --> 00:17:27,720 Speaker 1: your loved ones. Send warm wishes with cozy fleeces, sweaters, loungeware, 355 00:17:27,800 --> 00:17:31,639 Speaker 1: blankets and throws. 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That's O T T E R 383 00:19:01,880 --> 00:19:05,760 Speaker 1: dot ai. Well wow, and that's all. That's all I 384 00:19:05,800 --> 00:19:09,440 Speaker 1: tell people money making conversation is there's a technique to success, 385 00:19:09,880 --> 00:19:12,639 Speaker 1: and your technique is saying luke, I can I can 386 00:19:12,680 --> 00:19:15,959 Speaker 1: paint you an easy story and tell you that you 387 00:19:15,960 --> 00:19:18,280 Speaker 1: know that you can do this too. But this is 388 00:19:18,280 --> 00:19:20,639 Speaker 1: not cut out for everybody. This is this is not 389 00:19:21,040 --> 00:19:23,280 Speaker 1: and that's why you said yourself, you wasn't really cut 390 00:19:23,320 --> 00:19:25,120 Speaker 1: off for this, so to speak. That's why you said, 391 00:19:25,200 --> 00:19:27,760 Speaker 1: ray Sean on the reel, I went this direction because 392 00:19:27,760 --> 00:19:29,200 Speaker 1: I didn't want to spend any money. That's why I 393 00:19:29,240 --> 00:19:32,280 Speaker 1: went to YouTube, which was really smart because YouTube, like 394 00:19:32,359 --> 00:19:33,840 Speaker 1: you said, you can want to learn how to fix 395 00:19:33,880 --> 00:19:35,320 Speaker 1: your car, You want to learn to make a cake, 396 00:19:35,600 --> 00:19:37,719 Speaker 1: you want to learn how to how to make a rocket, 397 00:19:37,840 --> 00:19:40,080 Speaker 1: you want to learn how to be a marathon runner. 398 00:19:40,440 --> 00:19:42,560 Speaker 1: You can go to YouTube. It's on there. Just type in, 399 00:19:42,760 --> 00:19:44,960 Speaker 1: just type in search and a lot of options will 400 00:19:45,000 --> 00:19:47,360 Speaker 1: pop up and so that's what you did. And so 401 00:19:47,400 --> 00:19:49,439 Speaker 1: now with that being said, but also I like the 402 00:19:49,440 --> 00:19:51,919 Speaker 1: fact was that I always tell people that if you 403 00:19:51,960 --> 00:19:54,840 Speaker 1: have a full time job to follow your dream, that 404 00:19:54,880 --> 00:19:57,680 Speaker 1: doesn't mean necessarily you should quit your full time job, 405 00:19:58,080 --> 00:20:00,560 Speaker 1: and in fact you should. You should try to married 406 00:20:00,600 --> 00:20:03,639 Speaker 1: to two and try to realize I'm a staping, I 407 00:20:03,680 --> 00:20:07,840 Speaker 1: said all the time. But Parker, is this, if you 408 00:20:08,320 --> 00:20:10,840 Speaker 1: have twenty four hours in a day, learn to take 409 00:20:10,840 --> 00:20:13,600 Speaker 1: advantage of every hour. And that's what you did. And 410 00:20:13,680 --> 00:20:16,120 Speaker 1: you said, look, I got a nine five, I get 411 00:20:16,200 --> 00:20:17,880 Speaker 1: up at three and give be four or my lunch break. 412 00:20:17,920 --> 00:20:20,400 Speaker 1: I called somebody. Since I get a work, I called somebody. 413 00:20:20,680 --> 00:20:24,119 Speaker 1: Now has has that led to any complications? Because I 414 00:20:24,119 --> 00:20:26,159 Speaker 1: know you said your job is unique it allows as 415 00:20:26,240 --> 00:20:29,000 Speaker 1: you do that. But what if somebody was a banker 416 00:20:29,280 --> 00:20:31,639 Speaker 1: or bank to working at a bank or or working 417 00:20:31,640 --> 00:20:34,719 Speaker 1: at a typical ninety five that tells you that you 418 00:20:34,760 --> 00:20:36,280 Speaker 1: have to come to work, you have to do things 419 00:20:36,400 --> 00:20:39,240 Speaker 1: nine to five, because they still accomplished what you're trying 420 00:20:39,320 --> 00:20:43,520 Speaker 1: to make happen on Neil of course, so let's say 421 00:20:43,520 --> 00:20:45,240 Speaker 1: you said nine to five, So what are you doing 422 00:20:45,280 --> 00:20:47,960 Speaker 1: between seven eight thirty? You gotta think you might have 423 00:20:48,000 --> 00:20:49,720 Speaker 1: to wake up a little earlier, stay of a little later, 424 00:20:49,760 --> 00:20:51,840 Speaker 1: so you can do a lot of things. Just how 425 00:20:51,960 --> 00:20:55,040 Speaker 1: committed all you to do what you want to do. Now, 426 00:20:55,040 --> 00:20:57,560 Speaker 1: there's always, of course to you wor nine at least 427 00:20:57,560 --> 00:20:59,879 Speaker 1: get out of lunch break so you know, go sitting. 428 00:21:00,160 --> 00:21:02,600 Speaker 1: I don't really tell boys, don't tell everybody what you're doing, 429 00:21:02,640 --> 00:21:04,800 Speaker 1: because of course they're gonna gonna go around the office 430 00:21:04,840 --> 00:21:07,000 Speaker 1: and then that might be a problem. So you gotta 431 00:21:07,040 --> 00:21:08,840 Speaker 1: post it in lock in and then do what you 432 00:21:08,880 --> 00:21:11,760 Speaker 1: gotta do. Now, with that being said, you've written a 433 00:21:11,800 --> 00:21:13,600 Speaker 1: book because you need book. I mentioned it in my 434 00:21:13,800 --> 00:21:17,800 Speaker 1: opening introduction to you. It's called Interest Free Money Guide. 435 00:21:18,200 --> 00:21:20,280 Speaker 1: What exactly is that book about and why did you 436 00:21:20,280 --> 00:21:23,800 Speaker 1: write it? So that book is really about business credit 437 00:21:23,840 --> 00:21:27,560 Speaker 1: and teaching our communities, the black community about um utilizing 438 00:21:27,600 --> 00:21:30,160 Speaker 1: and leveraging the credit scores, because many people have good 439 00:21:30,200 --> 00:21:32,680 Speaker 1: credit and don't know what to do with it, or 440 00:21:32,720 --> 00:21:35,480 Speaker 1: they have good credit don't own anything. So basically, this 441 00:21:35,480 --> 00:21:38,720 Speaker 1: book is teaching how to leverage your credit scores to 442 00:21:38,760 --> 00:21:42,040 Speaker 1: get interest free money from the banks, to investing yourself, 443 00:21:42,040 --> 00:21:46,040 Speaker 1: your business or some type of thing, some type of 444 00:21:46,080 --> 00:21:49,320 Speaker 1: investment to make you more money by leveraging the bank's money, 445 00:21:49,440 --> 00:21:54,160 Speaker 1: which is called OPM. Also reference to other people's money 446 00:21:54,200 --> 00:21:55,440 Speaker 1: because a lot of I'm sure a lot of people 447 00:21:55,480 --> 00:21:57,960 Speaker 1: hear other people's money, but they really don't understand what 448 00:21:57,960 --> 00:22:01,440 Speaker 1: it is. Other people's money is everybody else's money other 449 00:22:01,480 --> 00:22:04,199 Speaker 1: than your own. So me myself, I teach people how 450 00:22:04,240 --> 00:22:06,680 Speaker 1: to leverage the bank's money and you can get big 451 00:22:06,720 --> 00:22:10,320 Speaker 1: lines of credit fifty too, you know, two fifty dollars 452 00:22:10,320 --> 00:22:12,800 Speaker 1: per LLC, and it could be a brand new LLC. 453 00:22:13,440 --> 00:22:15,600 Speaker 1: A lot of people in our community has no knowledge 454 00:22:15,600 --> 00:22:17,919 Speaker 1: of that. So it was my goal to write the 455 00:22:18,000 --> 00:22:21,359 Speaker 1: book to teach people about that because, like I said earlier, 456 00:22:21,520 --> 00:22:23,000 Speaker 1: a lot of people don't know about it, and we 457 00:22:23,080 --> 00:22:24,920 Speaker 1: need to start taking advantage of it because the other 458 00:22:24,960 --> 00:22:27,360 Speaker 1: communities have been doing that for a while, and that's 459 00:22:27,359 --> 00:22:30,560 Speaker 1: what we're behind because we don't know any better. Now, 460 00:22:30,960 --> 00:22:32,680 Speaker 1: how do we get there? Now? You're on my show, 461 00:22:32,800 --> 00:22:35,240 Speaker 1: might to make a conversation. Are like you said, I 462 00:22:35,280 --> 00:22:37,399 Speaker 1: have a newsletter. If you don't mind, I'd like to 463 00:22:37,480 --> 00:22:40,560 Speaker 1: drop this information about you. My news letter goes out 464 00:22:40,560 --> 00:22:44,240 Speaker 1: to any thousand people and what what would you say? 465 00:22:44,320 --> 00:22:45,919 Speaker 1: Is so you know, if I had to write copy 466 00:22:46,000 --> 00:22:49,040 Speaker 1: about you and drop it in the newsletter, what would 467 00:22:49,040 --> 00:22:52,000 Speaker 1: you say? Will be like three sentences I shouldn't include 468 00:22:52,000 --> 00:22:54,440 Speaker 1: in the copy about you in regards to what you're 469 00:22:54,440 --> 00:22:58,880 Speaker 1: trying to do with your book. Okay, so I'll say, um, 470 00:22:59,040 --> 00:23:02,320 Speaker 1: the reason you need to because it's giving you access 471 00:23:02,400 --> 00:23:04,640 Speaker 1: to thousands of dollars that you can use to make 472 00:23:04,680 --> 00:23:07,520 Speaker 1: more money for you, your family, and your kids in 473 00:23:07,560 --> 00:23:12,040 Speaker 1: generations to come. That's all it is, basically, And how 474 00:23:12,040 --> 00:23:14,520 Speaker 1: did you find out about it? Just just too you know, 475 00:23:14,880 --> 00:23:17,600 Speaker 1: first of all, let's let's look back, because you what 476 00:23:17,680 --> 00:23:22,120 Speaker 1: are you? Am I wrong? In that age years old? 477 00:23:22,400 --> 00:23:24,840 Speaker 1: Twenty one years of age, you were trying to find 478 00:23:24,840 --> 00:23:27,840 Speaker 1: out who you were? All right? Because you want YouTube 479 00:23:28,160 --> 00:23:30,879 Speaker 1: and you file these real estate videos. You looked at them. 480 00:23:30,920 --> 00:23:32,840 Speaker 1: You said, I can do something. When I got your 481 00:23:32,840 --> 00:23:35,120 Speaker 1: home in bad Rouge and did a wholesale deal, made 482 00:23:35,160 --> 00:23:38,840 Speaker 1: two thousand dollars. This is in Now we're twenty and 483 00:23:38,880 --> 00:23:41,760 Speaker 1: the middle of a pandemic. You have two million dollars 484 00:23:41,800 --> 00:23:45,320 Speaker 1: of valued property out there. You have good unners or 485 00:23:45,400 --> 00:23:48,000 Speaker 1: some of them are Section eight people. They're loyal, You 486 00:23:48,040 --> 00:23:51,439 Speaker 1: do your research, You you have Creed. You have a 487 00:23:51,480 --> 00:23:54,520 Speaker 1: personality that have said that I don't want to be 488 00:23:54,560 --> 00:23:56,600 Speaker 1: a ninety five, but you're still holding on to your nine. 489 00:23:57,640 --> 00:24:01,199 Speaker 1: How does how can one say? How did you figure 490 00:24:01,280 --> 00:24:06,919 Speaker 1: this out? O'Neil, I gotta got you. So it's really Uh, 491 00:24:07,000 --> 00:24:09,879 Speaker 1: I'm a learned term thinking, long term planning, so I 492 00:24:09,960 --> 00:24:12,800 Speaker 1: know my job uses me, so I do everything I 493 00:24:12,840 --> 00:24:14,800 Speaker 1: can to use them. So you got to realize that 494 00:24:14,960 --> 00:24:18,159 Speaker 1: banks like people that have uh, two weeks checks was 495 00:24:18,200 --> 00:24:21,800 Speaker 1: just considered a guaranteed check. Banks that were like entrepreneurs 496 00:24:21,880 --> 00:24:23,960 Speaker 1: because they don't know where the next check is coming from. 497 00:24:24,000 --> 00:24:28,359 Speaker 1: My next check is not a guaranteed so I know, Um, 498 00:24:28,400 --> 00:24:30,639 Speaker 1: I want to buy Reynolds, build my past of income 499 00:24:30,720 --> 00:24:32,879 Speaker 1: to of course replace my job, maybe even double my 500 00:24:32,960 --> 00:24:35,760 Speaker 1: job income. So when I do quit, I have those 501 00:24:35,800 --> 00:24:38,359 Speaker 1: two year tax returns with my business, and I have 502 00:24:38,480 --> 00:24:40,639 Speaker 1: my assets to pay for everything that I'm trying to do. 503 00:24:41,119 --> 00:24:42,919 Speaker 1: So that's the reason why I kept my job. I 504 00:24:42,920 --> 00:24:44,879 Speaker 1: still have my job because it's a lot easier to 505 00:24:44,920 --> 00:24:47,679 Speaker 1: get funded from banks and private lenders, hard money lenders 506 00:24:47,760 --> 00:24:51,760 Speaker 1: and things that need So it's all about long term 507 00:24:51,760 --> 00:24:53,680 Speaker 1: thinking and planning for the future, not just for now. 508 00:24:53,800 --> 00:24:57,879 Speaker 1: So I see what you're saying. As an entrepreneur like you, 509 00:24:58,520 --> 00:25:00,720 Speaker 1: people don't know there's no guarantee because you are what 510 00:25:00,800 --> 00:25:03,280 Speaker 1: they say, an entrepreneur. But because you have a full 511 00:25:03,280 --> 00:25:08,200 Speaker 1: time job, they see a steady check, a guaranteed check. 512 00:25:08,359 --> 00:25:11,000 Speaker 1: It means that could be a guaranteed commitment to making 513 00:25:11,000 --> 00:25:15,000 Speaker 1: that monthly payment. Exactly, you gotta look good to the banks. 514 00:25:15,000 --> 00:25:17,760 Speaker 1: You gotta look look exactly how the people that's letting 515 00:25:17,760 --> 00:25:19,560 Speaker 1: you the money wants you to look to get the 516 00:25:19,560 --> 00:25:23,679 Speaker 1: money that they're trying to live. So I figured that 517 00:25:23,720 --> 00:25:25,720 Speaker 1: out and I just kept my job. So I could 518 00:25:25,720 --> 00:25:27,960 Speaker 1: have quit my job. So going back to the beginning 519 00:25:28,000 --> 00:25:31,440 Speaker 1: of my story, I started to busing sixty two thousand 520 00:25:31,720 --> 00:25:34,480 Speaker 1: and three weeks, I mean fifty thou and four months, 521 00:25:34,560 --> 00:25:37,560 Speaker 1: So at that time I was making like sixty sixty 522 00:25:37,640 --> 00:25:39,760 Speaker 1: sixty five thousand a year. But net that's really like 523 00:25:39,840 --> 00:25:42,520 Speaker 1: party to forty five thousand a year, I mean, more 524 00:25:42,560 --> 00:25:44,680 Speaker 1: of my part time job than my full time job. 525 00:25:45,840 --> 00:25:48,199 Speaker 1: And most people just walk away. But because see what 526 00:25:48,200 --> 00:25:50,359 Speaker 1: I think about the long term game, they think about 527 00:25:50,640 --> 00:25:54,680 Speaker 1: right now, we're just the downside of being an entrepreneur. 528 00:25:54,800 --> 00:25:57,160 Speaker 1: If there is a downside to being an entrepreneur because, 529 00:25:57,280 --> 00:25:59,359 Speaker 1: like you said, I'm sure dude, you can do you 530 00:25:59,359 --> 00:26:03,159 Speaker 1: get help in the fits with your full time John, Yes, okay, go, 531 00:26:03,240 --> 00:26:05,240 Speaker 1: so you gotta help. Benefits you don't have to worry about. 532 00:26:05,640 --> 00:26:07,720 Speaker 1: You know that check is gonna be coming to you 533 00:26:07,760 --> 00:26:09,840 Speaker 1: on a regular basis, you know it. It's like a clock. 534 00:26:10,240 --> 00:26:13,399 Speaker 1: What is the downside of being an entrepreneur compared to 535 00:26:13,440 --> 00:26:18,320 Speaker 1: a person who's living both lifestyles? Right now, O'Neil, you're 536 00:26:18,320 --> 00:26:21,120 Speaker 1: a full time employer and you are basically a full 537 00:26:21,160 --> 00:26:24,359 Speaker 1: time entrepreneur. So you get to tell me exactly the 538 00:26:24,520 --> 00:26:27,280 Speaker 1: benefits of being a full time person and the benefits 539 00:26:27,280 --> 00:26:30,000 Speaker 1: of being a full time entrepreneur, because you clearly have 540 00:26:30,080 --> 00:26:33,080 Speaker 1: figured out the twelve hours and giving this and twelve 541 00:26:33,080 --> 00:26:37,440 Speaker 1: hours to give this and I'm gonna sleep somewhere in between. Yeah. 542 00:26:38,280 --> 00:26:40,320 Speaker 1: So the benefits of both is of course what I 543 00:26:40,400 --> 00:26:44,560 Speaker 1: said earlier, the funding and everything with the job, uh insurance. 544 00:26:44,960 --> 00:26:47,159 Speaker 1: You can also leverage your full one K, so I 545 00:26:47,240 --> 00:26:53,120 Speaker 1: do that as well. Um so going towards the following, kids, like, 546 00:26:53,359 --> 00:26:55,879 Speaker 1: your job is giving you whatever the match six percent 547 00:26:56,119 --> 00:26:59,520 Speaker 1: you put in the thing, so now you're building Uh, 548 00:26:59,640 --> 00:27:01,160 Speaker 1: I say even as a car or something like that 549 00:27:01,200 --> 00:27:03,679 Speaker 1: with the company. So I did, uh, maybe like a 550 00:27:03,720 --> 00:27:05,520 Speaker 1: month ago. I took half of it out. So right 551 00:27:05,520 --> 00:27:08,560 Speaker 1: now with the coronavirus, you can either depend on your company. 552 00:27:08,560 --> 00:27:11,399 Speaker 1: You can take all your going call not have a penalty. 553 00:27:11,760 --> 00:27:13,400 Speaker 1: But I only took half of which is a loan 554 00:27:13,480 --> 00:27:15,720 Speaker 1: to myself. Put that in real estate, make more money 555 00:27:15,720 --> 00:27:17,720 Speaker 1: with it, and then I'm really just paying myself back 556 00:27:17,720 --> 00:27:21,040 Speaker 1: with interest. So you can leverage your job that way. Um. 557 00:27:21,200 --> 00:27:27,320 Speaker 1: The other benefits of being an entrepreneur is I don't 558 00:27:27,320 --> 00:27:28,800 Speaker 1: really need the job, so I don't have to work 559 00:27:28,800 --> 00:27:30,280 Speaker 1: over time. I don't want to. I just worked my 560 00:27:30,320 --> 00:27:34,119 Speaker 1: party I was gone, so I'm not really tied down 561 00:27:34,160 --> 00:27:37,360 Speaker 1: to having to go over there, So that's another benefit 562 00:27:37,400 --> 00:27:43,040 Speaker 1: of it. Uh. And also just um, building my freedom, 563 00:27:43,359 --> 00:27:46,920 Speaker 1: leveraging my job to make me more money, change my um, 564 00:27:46,960 --> 00:27:49,800 Speaker 1: you know, change my lifestyle. So that's the huge benefit 565 00:27:50,760 --> 00:27:55,920 Speaker 1: leverage them what it leveraging me in a partnership right now? Absolutely? Absolutely? 566 00:27:56,160 --> 00:27:58,800 Speaker 1: And so being an entrepreneur you have to be self motivating, 567 00:27:58,920 --> 00:28:03,399 Speaker 1: I'm sure, oh yeah, And do you work with any 568 00:28:03,440 --> 00:28:07,239 Speaker 1: other people in achieving your success story? Right now? And 569 00:28:07,400 --> 00:28:11,920 Speaker 1: from an entrepreneurship or entrepreneurial side of the table. Yeah. 570 00:28:12,080 --> 00:28:14,160 Speaker 1: So you know have kind of bility departments to have friends. 571 00:28:14,160 --> 00:28:16,639 Speaker 1: A lot of friends out there. Uh. Just started another 572 00:28:16,680 --> 00:28:19,719 Speaker 1: business in January. Are my business partner Mr Tyrn. So 573 00:28:19,800 --> 00:28:21,479 Speaker 1: we helped. We hold each other kind of boo. Of 574 00:28:21,480 --> 00:28:23,600 Speaker 1: course we both have to play out partunate the business 575 00:28:23,640 --> 00:28:26,520 Speaker 1: to seed. So that's a big part of uh the growth. 576 00:28:27,040 --> 00:28:29,760 Speaker 1: And uh we're start another hostealing business. So I stopped 577 00:28:30,040 --> 00:28:33,000 Speaker 1: within those four months that we talked about earlier. We 578 00:28:33,040 --> 00:28:36,679 Speaker 1: started one again in January. Reason we started this business 579 00:28:36,720 --> 00:28:39,959 Speaker 1: because we're both looking at the future. Want to Uh 580 00:28:40,680 --> 00:28:43,400 Speaker 1: the generational was by more property. So we're start another 581 00:28:43,440 --> 00:28:46,640 Speaker 1: holestealing business. Keep our pipeline full so we can pick 582 00:28:46,680 --> 00:28:49,080 Speaker 1: out the best properties to you know, either flip or 583 00:28:49,120 --> 00:28:53,280 Speaker 1: run out for that long term. Weal Wow. In your book, 584 00:28:53,320 --> 00:28:55,560 Speaker 1: you know the book we needs written this any book 585 00:28:55,640 --> 00:28:59,120 Speaker 1: that you can get, Uh, it's called interest Free Money Guide. 586 00:28:59,160 --> 00:29:01,360 Speaker 1: You're saying that in this book you can teach us 587 00:29:01,360 --> 00:29:04,760 Speaker 1: how to access interest free credit on twelve or fifteen 588 00:29:04,800 --> 00:29:09,120 Speaker 1: business credit cards. Talk to us about that, all right. 589 00:29:09,240 --> 00:29:11,920 Speaker 1: So the thing about the business credit is you don't 590 00:29:11,960 --> 00:29:14,320 Speaker 1: need much to get it. So you just need an 591 00:29:14,400 --> 00:29:18,200 Speaker 1: LLC E I E n uh seven hundred credit score. 592 00:29:18,320 --> 00:29:20,160 Speaker 1: Sometimes it could be six or eighty. So we just 593 00:29:20,200 --> 00:29:24,160 Speaker 1: would tell seven hundred less than like five harding cards 594 00:29:24,160 --> 00:29:27,080 Speaker 1: in the last six or twelve months, and then you're 595 00:29:27,080 --> 00:29:30,000 Speaker 1: really good to go and one personal credit card five 596 00:29:30,040 --> 00:29:32,560 Speaker 1: thousand or more. So if you meet all those requirements, 597 00:29:32,720 --> 00:29:35,520 Speaker 1: you can get fifty again fifty to two D fifty 598 00:29:35,560 --> 00:29:39,120 Speaker 1: thousand prayer le see interest free twelve to fifty months 599 00:29:39,200 --> 00:29:41,240 Speaker 1: or the same as cast. If you don't have to 600 00:29:41,280 --> 00:29:45,160 Speaker 1: make money off of a fifty thou interest free money this, Uh, 601 00:29:45,200 --> 00:29:47,800 Speaker 1: this really isn't to you, So I don't recommend it 602 00:29:47,840 --> 00:29:50,880 Speaker 1: to everybody. Recommended for people as responsible and has a 603 00:29:51,000 --> 00:29:54,760 Speaker 1: plan to buy assets or interest. The money and something 604 00:29:54,800 --> 00:29:56,440 Speaker 1: else has got to make them more money. You know, 605 00:29:56,480 --> 00:29:58,360 Speaker 1: if you want to get this to buy a card 606 00:29:58,480 --> 00:30:01,840 Speaker 1: something like that, it's not the to you. So you know, 607 00:30:01,840 --> 00:30:04,560 Speaker 1: if you have a seven hundred credits for you have 608 00:30:04,600 --> 00:30:07,880 Speaker 1: a plan you just are defunding, there's definitely something you 609 00:30:07,880 --> 00:30:12,880 Speaker 1: need to get. Wow. Talking to O'Neil Parker, he's based 610 00:30:12,880 --> 00:30:16,760 Speaker 1: in laughing at Louisiana. Uh got that little gumbo run. 611 00:30:16,800 --> 00:30:19,920 Speaker 1: He's he's doing real estate from Lafayette, Baton Rouge to 612 00:30:20,000 --> 00:30:23,600 Speaker 1: New Orleans. Um, here's an exciting book, Um that it's 613 00:30:23,640 --> 00:30:27,040 Speaker 1: an e book. It's called Interest Free Money Guide. It's 614 00:30:27,080 --> 00:30:30,080 Speaker 1: an e book is written to educate you on business credit. 615 00:30:30,400 --> 00:30:32,040 Speaker 1: And that's what we're talking about on the call today 616 00:30:32,080 --> 00:30:35,200 Speaker 1: on money making Conversations. UM, so are you comfortable with 617 00:30:35,240 --> 00:30:38,360 Speaker 1: me putting your book or link into my newsletter that 618 00:30:38,400 --> 00:30:42,280 Speaker 1: goes out to ninety thousand people on Wednesday? Yeah, of course, 619 00:30:42,320 --> 00:30:44,120 Speaker 1: of course. And I can also see the link before 620 00:30:44,160 --> 00:30:47,080 Speaker 1: they before they can buy. You know, if anybody else 621 00:30:47,080 --> 00:30:48,840 Speaker 1: that's on him, you have any coursetion of anything. I 622 00:30:48,880 --> 00:30:51,680 Speaker 1: can follow on Instagram or Neil Oh and E. R. 623 00:30:51,880 --> 00:30:54,640 Speaker 1: L J. Parker and you got any questions, you can 624 00:30:54,640 --> 00:30:57,000 Speaker 1: shooting a message. Yeah, you can definitely put on that. 625 00:30:57,520 --> 00:31:01,200 Speaker 1: Oh definitely will I'm thinking something, Neil. I wouldn't try 626 00:31:01,240 --> 00:31:03,320 Speaker 1: to give away your book now, he said, I get 627 00:31:03,360 --> 00:31:05,640 Speaker 1: a link on so you can, uh, you know, they 628 00:31:05,640 --> 00:31:07,320 Speaker 1: can buy it. I'm trying to sell you. You don't 629 00:31:07,320 --> 00:31:10,280 Speaker 1: want to make you guy, This ain't free money making conversation. 630 00:31:10,320 --> 00:31:13,040 Speaker 1: Dot Com money baking comes say dot com And I'm 631 00:31:13,080 --> 00:31:16,280 Speaker 1: just that you know, you know I'm old in you, 632 00:31:16,360 --> 00:31:19,920 Speaker 1: of course, and I'm always interested in hearing different plans 633 00:31:19,920 --> 00:31:22,880 Speaker 1: of success. And of course I started at twenty one. 634 00:31:22,920 --> 00:31:25,400 Speaker 1: I didn't have the technology that you have today, and 635 00:31:25,440 --> 00:31:28,040 Speaker 1: you seem to be wise enough to understand that use 636 00:31:28,120 --> 00:31:31,360 Speaker 1: the technology because it's free and it's available, and it 637 00:31:31,440 --> 00:31:35,200 Speaker 1: can it also can expand your education because your education 638 00:31:35,240 --> 00:31:39,160 Speaker 1: and the world of real estate was self taught. Correct, yes, sir, 639 00:31:39,600 --> 00:31:43,720 Speaker 1: of course. Well, my friends, I want to thank you 640 00:31:43,720 --> 00:31:46,320 Speaker 1: for coming on my show man the Great Conversation again. 641 00:31:46,840 --> 00:31:49,160 Speaker 1: Uh we will. My staff is gonna reach out to 642 00:31:49,160 --> 00:31:51,640 Speaker 1: you and get those links and get some more photos 643 00:31:51,680 --> 00:31:54,720 Speaker 1: and some some some more information so we can put 644 00:31:54,720 --> 00:31:56,560 Speaker 1: it in this week newsletter. I wanna thank you for 645 00:31:56,560 --> 00:31:59,760 Speaker 1: coming on money to make a conversation or Neil Parker, hey, man, 646 00:32:00,000 --> 00:32:02,440 Speaker 1: apreciate you invitement. Man. You know what I said, guy, 647 00:32:02,880 --> 00:32:05,200 Speaker 1: that Guta will be here absolutely. And I know you're 648 00:32:05,200 --> 00:32:08,760 Speaker 1: saying you're starting your business in September and January again, right, 649 00:32:08,800 --> 00:32:12,080 Speaker 1: a new business in January time frame? Right, we started 650 00:32:12,120 --> 00:32:15,840 Speaker 1: in January twenty point this year. Okay, great, great, great, 651 00:32:15,920 --> 00:32:17,840 Speaker 1: I'll tell you what what we're gonna do in your anniversary. 652 00:32:17,880 --> 00:32:19,480 Speaker 1: We're gonna bring you back on in January so we 653 00:32:19,520 --> 00:32:21,640 Speaker 1: can talk about how that first year went, went through 654 00:32:21,680 --> 00:32:24,320 Speaker 1: the pandemic, coming out of the pandemic, and we're talking 655 00:32:24,320 --> 00:32:28,360 Speaker 1: about how you looking to January is all right, I'm 656 00:32:28,400 --> 00:32:30,600 Speaker 1: ready for that as the fans one that I'm here 657 00:32:30,600 --> 00:32:32,720 Speaker 1: for us man. I appreciate you, my friend, Thank you 658 00:32:32,720 --> 00:32:34,160 Speaker 1: for calling my show. If you want to hear more 659 00:32:34,240 --> 00:32:37,160 Speaker 1: Money Making Conversation interviews, please go to Money Making Conversation 660 00:32:37,200 --> 00:32:41,320 Speaker 1: dot com. I'm ra Sean McDonald. I'm your host. In 661 00:32:41,360 --> 00:32:44,120 Speaker 1: this season of giving, Cools has gifts for all your 662 00:32:44,160 --> 00:32:46,560 Speaker 1: loved ones. For those who like to keep it cozy, 663 00:32:46,760 --> 00:32:51,440 Speaker 1: find fleeces, sweaters, loungeware, blankets and throws. Or support minority 664 00:32:51,440 --> 00:32:54,600 Speaker 1: owned or founded brands by giving gifts from Human Nation 665 00:32:54,760 --> 00:32:58,200 Speaker 1: and Shame Moisture. And in the spirit of giving, Coals 666 00:32:58,240 --> 00:33:02,720 Speaker 1: Cares is donating eight million in dollars to local nonprofits nationwide. 667 00:33:03,000 --> 00:33:05,479 Speaker 1: Give with all your heart this season with great gifts 668 00:33:05,520 --> 00:33:09,600 Speaker 1: from Coals or Coals dot Com. 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Oh hey, some thing's never change, 677 00:33:38,400 --> 00:33:41,720 Speaker 1: like your kids always leaving tiny toys on the floor 678 00:33:41,800 --> 00:33:44,880 Speaker 1: for you to step on, and Gango saving folks lots 679 00:33:44,880 --> 00:33:48,680 Speaker 1: of money on their car in shirts. Sweetie, I think 680 00:33:48,720 --> 00:33:51,719 Speaker 1: I left the downstairs light on. Please don't make me go. 681 00:33:51,960 --> 00:33:54,560 Speaker 1: Fifteen minutes could save you or more.