Buying the ugliest house in the nicest neighborhood is the best way to go. I thought when I became a millionaire, I’d be like, oh, my life is set. Then I got there and it’s like, well that doesn’t really mean anything these days. How much is enough? And I think it’s always a little bit more be a handy down properties and be making seven figures. That is a sweet spot for me.

What’s going on. Joshua, thank you so much for coming on. I know you’re doing a lot of cool things in the real estate space, but I am curious what drew you to this specific niche in the first place?

Well, real estate in general has always been kind of my backbone. I kind of grew up around it and my dad was a realtor growing up and kind of got into some creative stuff here and there. I actually sold my funny story. I sold my first house coming out or I was in college. I was doing an open house for him. He said he paid me a hundred dollars to go do an open house. And so I sat in this open house all day and showed it to all these people and this older couple came back later on and said, we’d like to buy the house. And I was like, okay. And so I called my dad, they want to buy it, what do I do? He’s like, well get a check. Just totally joking. And so I told them, okay, just write a check and told ’em who to make it out to.

And they literally wrote me a check. So I called ’em back and said, Hey, I got a check for this property. What do I do? What do you mean you have a check? I’m like, well, they wrote a check. He said, for how much? I said The whole amount. What do you mean? And so I just essentially sold a house for full sticker, not knowing what I was doing, and he was just like, okay, I’m coming over. That was my first real estate transaction that I accidentally did, but I’ve always kind of been around it. I bought my first house at 18. I lived in that house, hacked for a few years in college and then sold that, made some money on that, rolled it over to my next house and I had moved to Arizona, going to Arizona State. That one, I bought another house, did the same thing, house hacked it.

And so I’d always kind of been around real estate, owned real estate since I was 18, but I would say when I graduated college was when I really got, so I read Rich Dad, poor Dad, like everybody does around that time or their aha moment. And that was when it just clicked for me and I kind of started to understand I wasn’t just buying a house and house hacking. It was a good idea. I understood making money work for you. And so from that point forward, I was very intentional about what I was doing and my investing and buying properties that I knew I was going to keep long-term and that I was going to rent cashflow and build equity in. So I did start buying in California at that time. I moved there after college and that was kind of my first big purchase outside of the smaller homes I was buying in college. But since then I’ve just kind of started to snowball, started to buy out of state. And real estate is a passion of mine. It’s not my full-time job, it is a side hustle, but I am very passionate about it and this will eventually work into a full-time. It’s just I’ve got so much, it really is now. I just also have a full-time day job.

Gotcha, gotcha. And what was your life like before? Oh, I guess you’ve been doing it for a while. It’s kind of been engraved in you for a while, but if you can remember what it was like before having it as a side hustle, what was your life?

I mean, it’s kind of always been since college. I’ve always kind of done the real estate as a side hustle, but the first house I bought every weekend, I was working on the house and doing a lot of the work myself, rehabbing it. And so it’s really kind of always been a side hustle for me, but I would say the last probably five or six years, it’s become a much bigger part of my life. My wife and I, we’ve really started to lean into it more and really started to build wealth. And I think starting out you get one or two properties and it’s like, oh, this is great, but then you get three or four or five or six and all of a sudden it starts to snowball and the curve kind of starts to go up and at that point it’s kind like, oh, we got something here. And so I would say about five or six years ago is when we really started to lean in and really be intentional about building this portfolio and hey, this is going to be our retirement and this is also going to be probably our full-time job at some point. So that’s kind of when it really kicked off for us.

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That’s awesome. And obviously I’m curious to see what your business looks like today as far as the actual hustle goes of it, but I know you said you are planning to have it be a full-time thing. I’m sure others listening are in that same boat. How do you plan to take it from the side hustle to the full-time thing and what’s stopping you from doing that?

So I have this thing I like to say I want to be a seven figure handyman, and I don’t mean I we’re multimillionaire at this point with all of our assets, but I don’t mean seven figure net worth. What I mean is I want to make seven figures a year and just be a handyman and go work on the properties that we own locally. I think that I enjoy working on properties, so if I could sell my business and get to that point or get it to where it runs itself and then just be a handyman on these properties and be making seven figures, I think that is a sweet spot for me. I would be very happy with that. I don’t mind doing that type of work. Most people don’t like working on toilets and working on plumbing and doing all that stuff. I have a lot of knowledge just with all the properties I’ve worked on. So I’m able to do a lot of stuff. I GC properties, so I’m not a general contractor, but I manage all these properties that we’re rehabbing and so I know a lot how to do a lot. I know how it’s supposed to be done and I enjoy that type of work. So I think a few years from now when we get to that point, I can just be the seven figure handyman.

That’s awesome. What’s your main strategy when it comes to investing as a side business? What’s the main strategy to start building wealth?

We don’t really have a main strategy. We’ve got main strategies. We’ve got multiple different portfolios that we manage. One of ’em is we do a lot of an out of state investing with a solo 401k. So I do have a printing company. My print company is the sponsor of a solo 401k, which is for those that don’t know that’s similar to a self-directed ira, they’re kind of the same thing. They’re just set up a little different. But basically we use this 401k to buy property. So instead of putting it into the stock market or just into ETFs, it’s actually invested in real property. And so a lot of people get this confused because a lot of people will liquidate their 401k to go buy properties and they think that’s how you’re supposed to do it. And that’s one way of doing it. And it may make sense for most people, but what I’ve found is that we’re able to funnel with a solo 401k, we’re able to funnel a lot of money through our business and put it in on the front end.

So we get that tax write off on the front end and then it grows tax deferred. You can also set it up as a Roth, but we have ours as a traditional, but when you have a property and you’re renting it, all the rents go back into the 401k. So that’s another confusion a lot of people have. We’re not taking the rents and living off that as income. All those rents go back into the 401k to stay within that tax sheltered account, but it grows tax deferred and there’s a lot of benefits to it. One of the things you give up though is you can’t depreciate your asset. There’s no taxes on it, so it’s already fully deferred. So there’s no point of taking any depreciation. You don’t have any income to depreciate, but the way you can just exponentially grow that over time to me makes a lot of sense.

So I started this eight and a half years ago when I worked from another company and I had a traditional 401k, rolled that over to a solo 401k and started making contributions there. I started by buying, my first property was out of Kansas City. It was like a $30,000 property. Actually, no, I paid less than that. I think it was like $12,000 for it. And then I sold it for like 40, 40 or 45. And then I started buying in South Carolina again, properties were 25, $30,000 back then and I put $10,000 into ’em running for five, six years and then just kind of going through a dispo cycle now, but they’re all selling for 80 to 150,000. So I took that $80,000 and the account’s worth almost a million dollars today. So I don’t think I would’ve be sitting on that if I had just kept it in the mutual funds that they were in before.

Yeah, for sure. So the 401k was one of the strategies. What are your other strategies to build as the side business?

My wife and I do what’s called the all method. I’m sure you’ve heard of the BER method. Everyone knows what that is. The all method is kind of a similar method, but we call, so basically all stands for acquisition, live lift, leverage, and then you loop it. So what we do is we buy properties that are a primary residence, we move into it, and so we’ll get a primary residence loan. So we’ve got low down payment, good terms to lock in that lower rate for 30 years. And then while we’re living in it or right before we move in, we will rehab it and then we’ll live in it for a year or two. And then what we’ll do is we will furnish the property, we will leverage that equity that we’ve pushed because pushing appreciation while we’re there. Sometimes we get market appreciation, which is a little bit of a bonus, but we will push appreciation with these extensive rehabs that we do and we’ll take that equity and that’s our down payment on the next one and it gets the rehab going on the next one. And so we’ve just continued to do this process over the last five years. We’ve got three properties in our local market now. Five years ago we had $270,000 in equity in our first house, and today we’re sitting on 2.3 million. So less than five years we 10 x that amount of equity that we had. So it’s worked out pretty well.

That’s awesome. Why do you think so many people, I wouldn’t say overlook, but maybe just don’t know about this,

Using your primary residence and leveraging it and it’s not easy. There’s two reasons. One, it’s not easy. So we’ve got a family, we have four very young children, so our kids are all five and under, so four kids, five and under. It’s a very small, hectic household. We move a lot. We have to move a lot. So we move every two years. Sometimes we move more often, it just depends on what, or sometimes we’ll move out temporarily a house literally demoed to the studs, so we can’t live in it. So we’ll go live in a furnished home for four or five months at a time until we can move back in. So the sacrifice that we have to make in this is that we are moving around. So I think a lot of people don’t want to make that sacrifice. And that’s understandable. I’ve gotten my wife to come along on it and it’s paid off.

It’s really paid off in the last five years. So because of that, we’ve been able to get ahead and now we’re sitting on three high value assets in our local market that are going to continue to appreciate and they cash flow. So there is a trade off. It’s easier without a family, I would say if you’re just a single person, you can do this all day long. You get a family, it’s a little different story and you got to get the spouse to go along with it. So that’s one reason people don’t do it. The other reason is I don’t think people, everyone’s got this mindset that the American dream is you buy a house and you got the home, and if you outgrow it, then you sell that house and you go and you get another one. But one of our biggest wealth building levers that we pull is creative tax planning.

I’ve been buying property since I was 18. I have never once paid taxes on a property I sold. I’ve never had taxable income. A couple of reasons. One, if it’s a primary residence and you live in it for two years, you can sell it and not pay taxes up to $250,000 for a single person. Or if you’re married, it’s 500,000. Most parts of the country that covers everything. High places like California, it doesn’t. We are past or beyond that in a lot of our properties. But that’s one thing where we’re very intentional about not triggering that tax liability. So I think most people will just sell the house. And here’s the other thing is they don’t have the down payment. They put all their money into the first house and then they need the down payment for the next house. So they think they need to sell that to get the money to buy the next one.

But there are so many ways to pull money out of your house and tap into that equity. We love HELOCs. One is a heloc. When you own a property and you live in it, HELOCs are a lot easier to get than they are on an investment property. So I always tell everybody while you live in it, it’s technically your primary residence, lock in that HELOC and get as much of a HELOC as you can. Then when you move, you’re never going to get that again on that property because a rental property, which those are extremely difficult to get these days. And then once you’ve got it, you’ve got it to use it, then you can pull that money out, use that, roll that over. There’s home equity agreements if you don’t want to have to have a payment on it. If it’s high interest environment like we are now, some of these HELOCs with variable, they might be eight and a half, 9%.

You can do a home equity agreement, you can actually sell a portion of your equity and not have a loan or not have a payment at all. So you can tap into it that way and you still own the house and you’re still gaining equity on it. And there’s other creative ways we’ve done it. We’ve actually cross collateralized some properties to get into the next one. There’s a lot of creative ways of doing that. And I’ll say when you pull money out in one of these fashions, whether it’s a loan or a home equity agreement or your cross-cloud, whatever you’re doing, when you’re pulling that out, you’re not paying taxes on that. You’re only paying taxes itself. So that tax liability only triggers when you sell the property. And I think a lot of people don’t realize that you can do this with your primary residence and then you can buy another one and you can just keep stepping up and doing this. So I just don’t think people realize that that’s a strategy you can do.

And what do you think the most common misconception is about this strategy?

Well, again, it’s not easy because you are moving a lot and you’re having to renovate and you may be living through renovations, which is not fun. So there’s definitely some sacrifices. So people see, oh, well, you’ve made over $2 million in equity in the last five years. That’s amazing. But nobody really talks about the sacrifice portion. They don’t talk about living in why you’re doing the renovations and having to move with little ones. So I think a big misconception is that there is some sacrifice to this, but it’s what are you willing to sacrifice to build wealth? Is that how important is to you? This can be a great lever. This a great way to build wealth really fast using something that honestly, most people already have the first step, most people already have their first house, so they’ve already got the first, and I would say the first house is always the hardest one. So they maybe already have that first house and have some equity and have the ability to start doing this. They just aren’t thinking about doing it this way.

Do you think it’s easier in a market like California where you’re at, or do you think it’s easier in a low price point market?

I think everything’s harder In California. There’s nothing easy about living in California. So yes, the dollar amounts are going to be hiring California. These properties are all 2 million properties today, and so you’re not going to see those numbers, but it’s all a numbers game. We still had to put more money down. We had to save up the down payments. Well, the first one I bought was 10 years ago, and that we already had, and I bought that with an FHA. So you can buy an FHA as a primary and only put 3.5% down in a few closing costs. So you can get into even California, you can still get in pretty low, but you have to have the DTI to support it, which is where it gets tricky because you’ve got a really high property value and that loan is going to be hard to support unless you’re a high earner.

So I would say everything is harder. In California, yes, the numbers are going to be bigger because you’re getting more appreciation just because it’s a bigger asset. So it’s going to have bigger numbers. If we were doing Tennessee or in Texas or somewhere else, we would probably have 10 times more properties. It would be way easier. So it’s a smaller dollar amount on each one, but you can scale up faster. So instead of going every two to three years before we move and having to save up money and having a lot more money that goes into those rehabs, we could probably accelerate this much faster. And then we would also be able to skip the live in portion and be able to just buy ’em straight as investment properties because here it’s expensive to live. So if we’re going to pay once, I don’t want to be paying twice to live here and have this investment property while it’s being rehabbed. So that’s where we’ve been able to make it make sense. But yeah, if we were in a different market, we would be able to just maybe even do two or three at once, because 20% on a $300,000 house is nothing compared to what 5% is on a single family home in a market like this. So yeah, I would say if you’re in a lower market or a lower dollar market, it’s actually easier.

Yeah, that makes a lot of sense. Obviously your net dollars is going to be higher in California per house, but it’s going to take a lot more

That could be the same number. You’re looking at ratios and the loans are a lot harder here too, because every HELOC we get, we have to approve DTI. And as a business owner, it’s a battle every time. I hate dealing with banks. So in a smaller market, if you’re looking at how homes that are three to $500,000 and you’re getting HELOCs instead of a 500,000 heloc, you’re getting a $50,000 heloc, it’s way easier to support that and show to the banks than trying to do that in California. So I would say if we can make this work in California, you can make this work anywhere and it’d be a lot easier.

Super fair. What are maybe one or two key strategies that have made the biggest impact for you in this adventure, in this side business?

So I would say I’ve seen so many people, so we don’t flip. I’ve seen a lot of flippers make mistakes. They’ll get a contractor and they’ll go in and have a contractor do everything, and they overpay for everything because they’re paying the contractor who’s subbing everything out and there’s markup, markup, markup, markup, and they’re paying way more than they need to get this stuff done. I don’t ever use a general contractor to manage a whole project. I manage it myself. And again, I’ve done enough of this to where I know how things are supposed to be done. I’ve done the permitting process with the city and worked with the inspectors, and so I know how things are supposed to be done, so I feel comfortable doing that. But the amount of money that we save by cutting the GC out, I think we actually get better work because nobody cares about the work more than I do on my house.

Even a GC as somebody that’s supposed to be responsible for that, they still cut corners mean, and you wouldn’t know. You wouldn’t know. So something that gets covered up and it’s inside the walls, you wouldn’t know. And maybe it’s fine, maybe it passes inspection. And I hate when contractors say, oh, the inspector signed off on it. I’m like, no, no, no, no, I don’t care. That’s not how it’s supposed to be done. But just the amount of money that we save, and we probably save 40% on some of these rehabs and these bigger rehabs that are five, 600,000 rehabs, that 40% adds up real fast.

Oh yeah, for sure. What do you think the biggest mistake is with this strategy that you see people make that you think can be really easily avoided?

I think people overpay. We see it. We see it these cycles where everybody, right now, prices are kind of stabilized, but you got the 50 year mortgage, you got the portable mortgage, you got the white house trying to push interest rates down. If that happens, the market heats up again. And out here people are paying two. We have friends that have paid three, $400,000 over appraisal value on a property. It’s like mind blowing, whatcha doing? So I think the biggest mistake is people getting into something thinking, oh, it’ll appraise or it’ll appreciate and we’ll be able to make it back or whatever. Don’t be stupid about going into something that you’re planning. I mean, if you’re buying as a primary residence and you’re good with a payment and then you’re going to limit it forever or 10 years or whatever, then you’re fine. But if you’re doing this as an investment strategy, there are so many people that overbought the last couple of years and then got in trouble.

We know a lot of flippers that just hit that wall, that market turned and they got stuck holding high dollar assets and losing six figures because they just got stuck thinking the market’s hot, we can get out of it. So I think people were just overpaying for everything. You see it with all the crash of the Airbnb market right now, all these short-term rentals. Investors were just paying stupid prices, just, oh, throw it on Airbnb and we’ll be good. And then the market turned and Airbnb got saturated, and so they’re not renting. And so a lot of people are in trouble because they were just overpaying, not thinking through what’s your backup plan that people don’t have a backup plan. They they’re chasing this, whatever’s hot, but they don’t have a backup plan. What happens if you get stuck in that property and what are you going to do? And you can’t rent it out to cover your monthly expenses, now you’re going backwards every month. So I just think having a backup plan and making sure that you’re being smart about it.

And I want to go back to the plan to make this the main full-time business because I feel like a lot of people do real estate on the side, onesie two Z, they do a couple deals. What’s your plan? Is it a five-year plan? Is it a two year plan? Take us through that plan for the next how many years to get to that point?

Yeah, so it’s tough to say because I have a business that I’ve built up that I’ve spent several years building up. So that’s kind of my glue. It’s not like a job I can just put in my resignation. I can’t just walk away from a company and let it collapse. Obviously, I’m not going to let that I’m tied to it. There’s loans, there’s things that my name are in, so it take me down with it, so I’m not going to just walk away. So that’s kind of my thing is I’m trying to figure out the exit on that. What does that look like? Right now, I am investing heavily into AI to replace me in a lot of ways. So my business is very transactional heavy and it requires a lot of my time during the day, entering orders and doing all these things with what goes with the print industry.

But I am implementing AI to be able to parse my emails, respond to my emails for me, process orders, do everything that I do that takes my time during the day. And so I think as I implement more ai, I think the business will start to run. It’s been one of those industries where you can’t, it’s very hard to have people run it for you. It’s, it’s not that type of industry, but I think leaning on AI to replace a lot of that and what I’ve been doing will help to replace myself and then I can remove myself from that and really focus more on the real estate. And again, I don’t really have a set plan. This is what I want to do. I mean, I think we’re going for a dispo cycle right now. So I think we’re down to about 25 properties total, but when we start buying again, then we’ll get another 10 15.

What do I need to have full time? But I don’t really pull income on the real estate stuff. It’s just kind of all goes back into building itself, building itself and just letting it snowball. So I guess I don’t really have a plan. I want to get there, but it’s like I don’t really have a set plan. We would like to travel. I would like to get to a point where if the businesses doesn’t need me on a day-to-day basis, our kids are young, we can go to Europe for the summer when they’re out of school and go for two months at a time and kind of just get to that point because the real estate doesn’t take as much day-to-day operational management, I guess. So I guess in the next few years, I hope to be able to do that.

Awesome, awesome. Cool. Well, I know as far as the word success, everyone’s got their own definition and everyone strives for it differently. How do you define the word success for yourself and how do you strive for that each and every day?

I think for me, I’ll never have a feeling of success in terms of monetary success. I don’t think someone asked Juan, or I’ve heard someone say one time, how much is enough? And I think it’s always a little bit more, I don’t think you ever get there because you, and you’re like, oh, this isn’t what I thought it was going to be. I thought when I became a millionaire, I’d be like, oh, my life is set. And then I got there and it’s like, well, it doesn’t really mean anything these days. So I think for me, it’s being able to get my businesses and my investments and everything to where I can buy my time back. Something that we can’t get more of. You want to buy your time back, why your kids are still young, why you can still do things. And I think just getting to a place where we’ve got enough assets and enough built up to be able to have more family time, do more of these trips and be able to, I don’t want to work. I’ll never stop working, but I don’t want to work because I have to work. I want to be able to work what I want to do, or it’s on my time. I think that’s successful when you can work on your time and do what you want to do, but you’re not giving up building your wealth at the same time and you’re not having to figure out how am I going to pay for things?

Yeah, I love that. If you were going to restart from scratch today, everything that you’ve built in real estate goes away and you were going to restart, what would you focus on first?

I think with my knowledge now, I would focus on the all method because that’s such a huge wealth builder, and you can buy, I mean, I think Fannie Mae just last week removed credit scores from their application process. I don’t know if you heard about that, but I think it was like a six 20 or something to get a Fannie Mae, that’s what it was. Or maybe it was five 80. I don’t know. They just removed it completely. You don’t even have to have a minimum credit score now to get a loan, a Fannie Mae loan, which is crazy. But I think that I would do whatever I had to do to buy my first primary, get into a primary. And again, not just that I was going to move into this house and this is going to be my house forever. Buy it with the intention of, Hey, this is my first stepping stone.

I would buy something that has a value add, so something that I could work on. Force appreciation and forcing appreciation is important because if you’re just waiting for the market to go up, you’re not really getting that far because everything’s going up. So then the next one you buy is going to be more. And with inflation, it’s not really getting you that far, but if you can force appreciation, you can outrun the market. And so finding those value add, whether it’s like an A DU situation or just something that’s got deferred maintenance and needs to be updated, but finding a way to force that appreciation and then building that instant equity that you can tap into, move into the next one. So I think I would really lean hard into the all method, just knowing I can get my primary pretty easily and not have to have a lot of income because a primary, you can get lowered down and it’s going to be a lot easier to get that loan approved. So I would lean heavily into the all method as my starting point.

Okay. Well, yeah, I guess for someone that isn’t super inclined to do the work themselves, adding something simple like when someone goes to look for that property that you could add something to push that value, what’s the easiest thing that someone can look for to where if they’re looking on the MLS or an off market deal and they find this, they can easily do it and add that value? What would that one thing be if you had to pick?

I think so buying you hear in real estate, location, location, location. Buying the ugliest house in the nicest neighborhood is the best way to go because now you’ve got value add because people want to be in that neighborhood. So even if it’s the ugliest house and hasn’t been renovated for 50 years or since it was built, you’ve got a value add. So just finding the right location and finding the right house in that neighborhood. But I always say the ugliest house and the best neighborhood is going to be your best bet. And it’s not hard like a kitchen and a bathroom. You only need to do one bathroom to get your appraisal to appraise it as a newly renovated property. People don’t know that. So renovate your kitchen, and if you’ve got four bathrooms, just one of ’em needs to be renovated. And then one of ’em is renovated. And the appraiser, and I’ve had appraisers actually tell me this personally, you don’t have to renovate all your bathrooms. We just need one renovated bathroom and you’re going to get a top tier renovation for your appraisal. So little tip for people that, so we do this because we will do a kitchen, we’ll do a bathroom, we’ll get it reappraised and we’ll get a HELOC and pull more money out to continue on the renovations. But once you get that kitchen and that first bathroom done, that’s really all you need to push that appreciation.

And doing the exterior and interior, do you see a big difference with that? Or does that not matter as much?

Exterior doesn’t matter much on an appraisal, but because we are renting these properties, curb appeal is huge. So the exterior is usually the last thing we do. We get the inside done, we push appreciation so we can refinance. We’re living in it. So we don’t really care what the outside looks like. I mean, we do, my wife does, but the inside’s what’s matters. So we got the kitchen and the bathroom and kids’ rooms and everything. Once we get everything done on the inside, then we focus on the outside and we’ll go tear it all apart, do new siding, redo all the landscaping and new concrete and everything. Because the curb appeal, we hold onto our properties. We don’t sell ’em. Even if you are selling it, the curb appeal is so huge. It’s the first thing people notice. It’s the first thing they see on MLS, the first thing they see on Zillow.

That’s what gets people’s attention. So the curb appeal. I don’t think enough people put enough thought or emphasis into the curb appeal of a home because again, on the appraisal it doesn’t really make a difference. You could have the ugliest house or the nicest house on the appraisal. It really makes very little difference, maybe a little bit, but it’s not a value add on their report because the report’s square footage, how renovated is this bathroom or this kitchen or whatever. So the curb, not a huge appraisal pusher, but that’s going to make you stand out. So if you’re renting it, it’s going to set you apart from everybody else. If you are flipping it and selling it, it’s going to set you apart from everybody else that’s selling. Even though you may be at the same price, yours is going to get bit up before somebody else’s because of that curb appeal.

Yeah, no, that makes a ton of sense, for sure. Well, where can people learn about you? Where can people learn more? If someone wants to connect with you and reach out, what’s the best way to do it and where’s the easiest way to find you?

Yeah, so we have a podcast. My wife and I, we are the broke millionaires, so we’re multimillionaires, but we are constantly buying the next project, putting all our money into it. And so we’re always cash broke. So that’s where the broke millionaires comes from. But we have a podcast that you can follow, Spotify, apple, YouTube, and then we also have Instagram. It’s the Broke Millionaires underscore. We post a lot of content there. And if somebody is interested in the all method, we do have a free blueprint that we give out. So if you define us on Instagram and DM all method, and we’ll send you the free blueprint on that. But if somebody’s interested in actually diving in and seeing how we’ve used that method to build our wealth, it’s a pretty powerful tool.

That’s awesome. Awesome. Great. Give. So Josh, I appreciate you coming on. I appreciate you taking the time, everyone. Thanks for watching and we’ll see you next time.

Cool. Appreciate it. Thanks for having me.