Every good course should solve a specific problem. Instead of me guessing, I want you to tell me: What’s the #1 problem you want solved next inside Retirement Cash Flow? Thanks for taking the time to answer!

Asset or Liability? 🤔 Most people never get this one simple idea: An asset puts money in your pocket.A liability takes money OUT of your pocket. That’s it. That’s the whole game. 👇 1️⃣ Your house - If it costs you money every month (mortgage, taxes, repairs) and doesn’t pay you… it’s a Liability. - If it’s a rental that sends you cash flow every month after all expenses… it’s an Asset. 2️⃣ Your car - Car payment, insurance, gas, repairs = money leaving your pocket every month 🚗💸 - Unless that car is being used to produce income (delivery, Turo, business vehicle that nets profit), it’s a liability. 3️⃣ Your credit cards - If you’re using them to buy stuff that doesn’t pay you back… that balance is a liability. - Debt tied to cash-flowing assets (notes, rentals, etc.) can be good if the cash flow > payment. 4️⃣ Investments - Stocks that don’t pay you? You hope they go up. That’s speculation. - Notes, rentals, private lending, cash-flow deals? They PAY YOU while you sleep. That’s an asset. 5️⃣ Retirement accounts - A 401(k) sitting in mutual funds, praying the market behaves = 🚩 - A self-directed account owning notes, rentals, private deals spitting out cash flow = real assets. If you look at your life right now… Are you stacking assets or collecting liabilities with fancy names? 👇 Drop one thing in your life that you thought was an asset… but now realize is actually a liability.

Everyone spends so much time trying to take tax deductions to reduce their income but most spend no time investing with their self directed IRA's to accumulate tax free income that has the ability to grow exponentially. Here's an example: You open a Roth IRA in 2026 and contribute $625 per month for the entire year. Starting in 2027 you have $7,500 to invest. Everyone says yeah but what can I do with that tiny amount? You lend it out to someone that needs it. many people need a chunk of money until their next payday. Like Realtors. Realtors don't get a weekly check, they are paid by commission often times with large gaps in between paydays. You lend them $7,000 and in 2 months they give you back $8,500. You continue to make the $625 monthly contributions and you are in business! You made $1,500 from that one loan and pay zero taxes on the $1,500 for ever! If you do that 3 times in one year that would be $4,500 in tax free profit off of a $7,500 seed money investment! I hope you can see the potential to grow this thing into a monster in 5 or 6 years.

50 Year__________________________________________ 30 Year --------------------------------------------------------------------------------------------------- Purchase price $420,000_________________________ $420,000 Down Payment $42,000__________________________ $42,000 Mortgage Amount $378,000______________________ $378,000 Number of months 600___________________________ 360 Interest Rate 7%__________________________________ 7% Monthly payment $2,274.38_______________________ $2,514.84 👉Total Interest $986,642____________________________ $527,346 👉Interest after 8 Years $209,598_____________________ $201,844 I did this over 8 years because the norm is, people churn out of their financing every 8 to 10 years for various reasons. I realize that if the 50 year carries a higher interest rate then the whole thing blows up! So, to save $240 a month is it all worth it? Please drop a comment below. (After typing this and calculating this manually I could have had AI Spit this out in 20 seconds) Damn!😆

You can buy a performing mortgage as an investor. What the hell does that even mean? Let me break it down the way nobody on Wall Street will: A borrower buys a house worth $250,000.They put $40,000 down.The bank writes a $160,000 mortgage, with all the normal income, credit, and paperwork boxes checked. Now here’s the part most people never hear: Banks don’t like to sit on these loans. Their business model is: write the loan → sell the loan → recycle the money. But sometimes they screw something up in the file. Maybe it’s a missing doc, a weird guideline issue, or something technical. The payment is still on time. The borrower is still performing. But the big buyers say: “Yeah nope pass.” Now the originator is stuck holding a loan they meant to sell.They label it “scratch and dent” and dump it at a discount just to free up capital. That’s where we come in. As investors (yes, even inside your retirement accounts), we can buy that same good, paying loan at a discount… and collect the principal and interest for the next 20+ years. - The cheaper we buy it 🡆 the higher our yield. - The higher our yield 🡆 the faster our retirement account grows. This is how you start acting like the bank. 👉 Honest question: Would you rather spend the next 30 years hoping your mutual funds behave… or collect payments every month on a mortgage you own as the bank? Drop me a line below. let's talk!