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EYL #200 How to Become a 9 to 5 Millionaire · Earn Your Leisure

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  Speaker 1: An illegal alien from Guatemala charged with raping a child
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  Speaker 1: one thousand dollars a day, imprisoned, and deported. You will
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  Speaker 2: Sponsored by the United States Department of Homeland Security.
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  Speaker 3: You never heard of a person say that one hundred
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  Speaker 3: percent of my money was enough, So if you're working
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  Speaker 3: in one hundred percent of your salary, it's not enough
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  Speaker 3: for you to live the way you want to live,
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  Speaker 3: then what makes you think you're gonna retire and then
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  Speaker 3: all of a sudden, that's gonna be enough money for
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  Speaker 3: you to live.
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  Speaker 4: My graduates from my school being forced back drop bag drop, Mike,
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  Speaker 4: drop back drop drop.
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  Speaker 5: All right, guys, welcome back, h e yl I'm back home,
• 1:37
  Speaker 5: Dope dope episode. This is something that has been probably
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  Speaker 5: over a year and a half in a making.
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  Speaker 2: Maybe long longer than that.
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  Speaker 6: Yeah, right for COVID the phone heritage supposed.
• 1:47
  Speaker 2: To happen, yes, but nothing happens before it's time.
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  Speaker 5: That's us. So Jamal King, better known as nine to
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  Speaker 5: five Millionaires, somebody that we got introduced to a few
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  Speaker 5: years ago, super super great backstory that we'll get to
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  Speaker 5: just didn't invest fest forward. Thank you for doing that,
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  Speaker 5: Appreciate it.
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  Speaker 2: He has his own investment story. We'll get to that too.
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  Speaker 5: So, uh, this is an interesting story for a few
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  Speaker 5: different reasons. So he's a big time real estate investor
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  Speaker 5: over three hundred and eighty units and he's actually in
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  Speaker 5: the real estate development game. We'll talk about that. And
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  Speaker 5: then he's an entrepreneur. He has a daycare centerce with
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  Speaker 5: his wife. I believe he has a security company.
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  Speaker 2: With his brother.
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  Speaker 5: But he started out as a police officer. That's why
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  Speaker 5: he was nine to five millionaire. So he was a
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  Speaker 5: police officer for how many years? Man? Twenty years? Twenty
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  Speaker 5: years in Chicago, right, yeah, in Chicago. What area did
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  Speaker 5: in Chicago, it's called the Gresham.
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  Speaker 3: District, So it's right by Inglewood. So just to give
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  Speaker 3: you a little context, Chicago during the mid twenties, like
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  Speaker 3: about twenty five to twenty ten led the country in homicides,
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  Speaker 3: and my district, the Gresham District, led the city of Chicago.
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  Speaker 3: Oh that was that was like, so right by Inglewood. Yes,
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  Speaker 3: it's right, it's border Inglewood. I was separated by like
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  Speaker 3: one street, yeah, Homer Derek Rose exactly.
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  Speaker 2: Wow.
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  Speaker 5: So yeah, so you was all right, so and this
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  Speaker 5: is an interesting story because you started investing while you
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  Speaker 5: were still on the force, right, that's correct, and then
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  Speaker 5: you became a millionaire while you were still working. Yeah, yep,
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  Speaker 5: all right.
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  Speaker 2: So nobody had a clue, no.
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  Speaker 6: Nobody why you know.
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  Speaker 3: And that's the whole thing I talked about to do it,
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  Speaker 3: you know, I talk about just as far as having
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  Speaker 3: a vehicle, and the police department for me was nothing
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  Speaker 3: more than a vehicle. And so when I got started
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  Speaker 3: in real estate investing, I just said, that's just another vehicle.
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  Speaker 6: I was like, why do I have to stop doing
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  Speaker 6: this driving this vehicle?
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  Speaker 2: I love it?
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  Speaker 3: So yeah, man, so yep, I started investing in real
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  Speaker 3: estate at the age of twenty two, the same exact
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  Speaker 3: time I started as a police officer.
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  Speaker 6: And I became a millionaire by age twenty six.
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  Speaker 5: So all right, so let's talk about this because a
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  Speaker 5: lot of people that watch Early a Lisia, you know,
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  Speaker 5: they have regular job nine to five day. They might
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  Speaker 5: be a firefighter, police officer, or a nurse, or a
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  Speaker 5: school teacher or whatever janitor, and a lot of times
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  Speaker 5: people think that, you know, you just work those type
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  Speaker 5: of jobs. You get a pension, you live off the pension,
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  Speaker 5: and that's it. That's how you become a millionaire. You
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  Speaker 5: become millionaire with your pension when you're sixty five. They
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  Speaker 5: don't even necessarily think like, you actually can be an
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  Speaker 5: entrepreneur at the same time. So all right, let's let's
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  Speaker 5: start at the beginning. How did you get turned on
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  Speaker 5: the real estate and when did you really start to
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  Speaker 5: like hit your stride in real estate.
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  Speaker 3: Yeah, so in the beginning, bro. Before I even get
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  Speaker 3: to how did I even get turned on? Like I
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  Speaker 3: literally hit the vision that wanted to be a millionaire.
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  Speaker 3: Ever since I was a young kid, I wanted to
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  Speaker 3: be a millionaire. And I was like, man, look, I
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  Speaker 3: never seen anybody else in our community become a millionaire
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  Speaker 3: from their job. I never seen anybody become a millionaire
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  Speaker 3: from you know, working at nine to five. So I
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  Speaker 3: was like, I want to live different. My father was
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  Speaker 3: a police officer thirty years on the Chicago Police department.
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  Speaker 5: You're from Chicago.
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  Speaker 3: I'm from Chicago, boring and race. And my father was
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  Speaker 3: a police thirty years and my mother Cook County sheriff.
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  Speaker 3: My mother did twenty years as a sheriff. My brother
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  Speaker 3: was an Illinois State trooper. So I had my family.
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  Speaker 3: We had somebody to cover the state, somebody else with
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  Speaker 3: the city, and somebody's with the county. And you know,
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  Speaker 3: the police department was good. You know, it was a
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  Speaker 3: good job. It put food on our table. But I
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  Speaker 3: was like, man, I want more. Ever since I was
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  Speaker 3: growing up, bro, I just wanted to be like a millionaire.
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  Speaker 3: And the reason why I wanted to be a millionaire's
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  Speaker 3: because I used to look on TV dollar like lifestyles
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  Speaker 3: are the rich and famous, and I used to see
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  Speaker 3: how they used to always just be smiling, bro, you.
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  Speaker 6: Know, it just seemed like it was a good life.
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  Speaker 3: We didn't have interview careers back then, you know, we
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  Speaker 3: had with lifestyle of rich and famous, and I used
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  Speaker 3: to see them and I used to just look and
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  Speaker 3: I'd be like, man, every time the father come home,
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  Speaker 3: he's smiling, the kids smiling. I ain't never see them arguing,
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  Speaker 3: you know. I used to watch Good Times all the time. Right,
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  Speaker 3: that's in Chicago. You always see them arguing, the fighting,
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  Speaker 3: you know. But it was always something about seeing these
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  Speaker 3: rich people and how they seemed like their life was
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  Speaker 3: a little bit different. I used to say, man, I
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  Speaker 3: want that. I want that life for my family, but
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  Speaker 3: I didn't know how to get it. And so I
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  Speaker 3: said I was gonna be a you know, I was
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  Speaker 3: gonna make it to the NFL. And when I didn't
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  Speaker 3: make it, like ninety nine percent of us, right, I
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  Speaker 3: was kind of stuck with, like, what am I gonna
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  Speaker 3: do in life? And at that point, bruh, that's when
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  Speaker 3: I was just like I was lost. I didn't know
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  Speaker 3: what I was gonna do, Like most people, and I
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  Speaker 3: did was familiar to me, and I became a police
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  Speaker 3: officer because that's who my father was doing, that's what
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  Speaker 3: my mother was doing, and that's what my brother was doing.
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  Speaker 2: Was that at any point that you saw, like obviously
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  Speaker 2: law enforcement was in the blood. A lot of times
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  Speaker 2: people grow up and they say, like, I want to
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  Speaker 2: be different, I don't want to do it. Was there
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  Speaker 2: any moment in life when you're like, let me try
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  Speaker 2: something different and law enforcement is what you got led
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  Speaker 2: back to? That?
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  Speaker 5: Yeah, it was.
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  Speaker 6: I just did what was familiar. Bro, I ain't gonna lie.
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  Speaker 5: I just did.
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  Speaker 3: I never wanted to be a cop, Okay, I just did.
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  Speaker 3: So I'm not gonna sit here and say like I
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  Speaker 3: was looking to be a police officer.
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  Speaker 5: No.
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  Speaker 3: I wanted to be rich. I wanted to play in
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  Speaker 3: the NFL, you know, I wanted to live this kind
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  Speaker 3: of life.
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  Speaker 5: But I didn't know.
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  Speaker 3: Once I graduated and I didn't make it to the NFL,
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  Speaker 3: I didn't know what else I was gonna do. And
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  Speaker 3: I think that's like a lot of people that's even
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  Speaker 3: listening to us. Brother, you kind of just do whatever
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  Speaker 3: first thing that come about. You know, you just take
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  Speaker 3: whatever job because it's like, Okay, I was supposed to
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  Speaker 3: get a job. I'm supposed to graduate from school, and
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  Speaker 3: then all of a sudden, I'm supposed to get a
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  Speaker 3: good job, get good benefits, get a pension, you know
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  Speaker 3: all those things that you talked about. And with me,
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  Speaker 3: the first thing that came available was the police department.
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  Speaker 6: So I took it.
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  Speaker 5: So all right, So when did you start investing in
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  Speaker 5: real estate? Yeah?
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  Speaker 6: So right after that.
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  Speaker 3: So I had a friend of mine whose uncle was
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  Speaker 3: a real estate investor, and I seen this guy. Man.
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  Speaker 3: I remember going to his house and he hit this.
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  Speaker 3: It was in Chicago, was an old greystone bill. And
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  Speaker 3: I don't know, you guys from New York, you know
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  Speaker 3: the old greystone bills, brownstones Okay, yep, Brownstone, Greystone, and
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  Speaker 3: they were this area is being regentrified. And I remember
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  Speaker 3: like knowing that the projects was in this area too.
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  Speaker 3: But my boy said, like, man, my uncle got a mansion, man,
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  Speaker 3: and it's in this area. And I was like, bro,
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  Speaker 3: this yeah, right, And so we got on the porch.
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  Speaker 3: It was like a huge greystone brownstone looker building. And
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  Speaker 3: then when he opened up those doors, man, I seen
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  Speaker 3: I'm talking about twelve foot ceilings. I seen this huge mansion,
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  Speaker 3: he hit everything inside of it, and I was like, man,
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  Speaker 3: what does this man do for a living. And then
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  Speaker 3: that's my boy say yeah, my uncle real estate in Vesta.
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  Speaker 3: And then that's when they clicked for me, like man, okay,
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  Speaker 3: he not playing an NFL. My man ain't win a lottery.
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  Speaker 6: You know what I'm saying. He literally is a real
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  Speaker 6: estate in vester.
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  Speaker 3: He living like this, He's living like this image that
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  Speaker 3: I hid in my mind of how I wanted to
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  Speaker 3: become a millionaire, what my life would look like. And
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  Speaker 3: so at that point, that's when I met with him
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  Speaker 3: and he introduced me to my real estate broker April,
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  Speaker 3: and we did this thing where you know where I
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  Speaker 3: said that I created this lifestyle for myself, right, I
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  Speaker 3: created this whole lifestyle of what a millionaire life looked like.
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  Speaker 3: So I said, I wanted to live in this kind
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  Speaker 3: of house. I said, I want to drive this kind
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  Speaker 3: of car. I said, I wanted to, you know, send
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  Speaker 3: my kids. Then I ain't even have kids at the time,
• 8:44
  Speaker 3: but I said, I want to send my kids to
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  Speaker 3: this type of school when I would have kids. And
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  Speaker 3: then at that point I wrote down like literally how
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  Speaker 3: much that cost? How much this whole life costs. I
• 8:53
  Speaker 3: put all of this on paper, and it's crazy because
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  Speaker 3: I still got this paper where I wrote it all out,
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  Speaker 3: and it was like, this is what my my lifestyle
• 9:00
  Speaker 3: would cost. And then I went and said I was
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  Speaker 3: going to buy a building for every single bill that
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  Speaker 3: I would have at the time. So if I said
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  Speaker 3: I want to live in a five thousand square foot house,
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  Speaker 3: I researched what five thousand square foot houses cost, and
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  Speaker 3: if the mortgage to that cost three thousand dollars, then
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  Speaker 3: I said, Okay, I'm gonna purchase this for you in
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  Speaker 3: a building. And after I paid the mortgage expenses, the
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  Speaker 3: net cash flow from this building now is two thousand
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  Speaker 3: dollars or whatever. How many properties would it take for
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  Speaker 3: me to cover this house? And literally I created this
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  Speaker 3: whole million dollar lifestyle from one property at the time.
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  Speaker 2: So that's incredible. So I know I'm sending it as
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  Speaker 2: a guy who was in a nine to five hours
• 9:37
  Speaker 2: teaching the number one thing is like and most people
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  Speaker 2: they doubt themselves because they say, I don't have the funding.
• 9:42
  Speaker 2: So in the beginning, was it your teacher's salary not
• 9:45
  Speaker 2: your teach salary. But your police salary that funded the
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  Speaker 2: first couple of properties. How did that work?
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  Speaker 3: Yeah, so my first property, bro, my first property was
• 9:53
  Speaker 3: a four unit building. I had to put down fifteen
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  Speaker 3: thousand dollars down. And at this time, I was only
• 9:58
  Speaker 3: making thirty six thousand dollars a year as a cop,
• 10:00
  Speaker 3: and that's for taxes, right. I was making thirty six
• 10:02
  Speaker 3: thousand dollars twelve hundred dollars every two weeks. So I
• 10:05
  Speaker 3: couldn't really I didn't have any money.
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  Speaker 6: And so what I did.
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  Speaker 3: They have a thing called uniform allowances with the police
• 10:10
  Speaker 3: department where they literally would give you money to buy
• 10:14
  Speaker 3: new uniforms, to get a vest, to get your gun,
• 10:16
  Speaker 3: to get all these things. And so I knew my family,
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  Speaker 3: my parents, my brother, everybody was already police. So I
• 10:21
  Speaker 3: went to them. Man, I was borrowing my dad's vest,
• 10:23
  Speaker 3: I borrowed my brothers, you know what I'm saying, uniform
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  Speaker 3: duty belt. I was borrowing different items from different people,
• 10:30
  Speaker 3: and I was just taking the uniform money and I
• 10:31
  Speaker 3: was putting that money in my pocket. And at the
• 10:33
  Speaker 3: time I was engaged to you. My wife now and
• 10:36
  Speaker 3: she would like save one of her checks and give
• 10:38
  Speaker 3: it to me, and so we literally were saving our
• 10:41
  Speaker 3: way to that first property. And that first property we,
• 10:43
  Speaker 3: like I said, we had to put down fifteen thousand
• 10:45
  Speaker 3: dollars on it. I had to sell her actually cover
• 10:47
  Speaker 3: all my carrye I mean, my clothing costs. So I
• 10:49
  Speaker 3: only had to put down the down payment of fifteen
• 10:51
  Speaker 3: thousand dollars.
• 10:52
  Speaker 5: So you said, all right, you start wing you twenty two,
• 10:55
  Speaker 5: and then you say you become million twenty six.
• 10:57
  Speaker 6: Yeah, by the age of twenty six.
• 10:58
  Speaker 3: How many properties did you have at that point that time?
• 11:00
  Speaker 3: I probably hit about six properties. I know, I was
• 11:03
  Speaker 3: making sixteen thousand dollars a month net cash.
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  Speaker 5: Flow from my real estate. So you had your portfolio
• 11:08
  Speaker 5: was worth a million. You was getting sixteen thousand dollars
• 11:10
  Speaker 5: a month.
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  Speaker 3: My portfolio was worth one point seven million. Point bro,
• 11:13
  Speaker 3: It's crazy. I didn't even know I was a millionaire.
• 11:15
  Speaker 3: That's the crazy think about it. Like, literally, I was
• 11:18
  Speaker 3: sitting there doing exactly what I told you. I was
• 11:19
  Speaker 3: buying a building for every bill. I created this lifestyle
• 11:22
  Speaker 3: for myself. And this is when me and my wife
• 11:24
  Speaker 3: was starting a daycare center. We was looking to start
• 11:26
  Speaker 3: the first daycare center, and we went to go get
• 11:28
  Speaker 3: a business loan and we got. You know, they wanted
• 11:31
  Speaker 3: us to come, bring our portfolio and bring whatever else
• 11:33
  Speaker 3: we had, all our financials. And when we went in
• 11:36
  Speaker 3: front of the bank, the London name was Darryl Tucker,
• 11:39
  Speaker 3: and I remember he used to always call me Officer King,
• 11:41
  Speaker 3: Officer King, cause I would go there in my uniform. Well,
• 11:43
  Speaker 3: he looked at my p and ls and he you know,
• 11:46
  Speaker 3: my assets and my net worth. He looked at me
• 11:49
  Speaker 3: and then he was like, mister King, He's like, you're
• 11:51
  Speaker 3: a millionaire. And I was in my police uniform at
• 11:54
  Speaker 3: the time, and I was like, I'm a millionaire. I
• 11:56
  Speaker 3: didn't even know I was a millionaire. And he was
• 11:58
  Speaker 3: like yeah, he's like, your net worth is one point
• 11:59
  Speaker 3: seven million dollars. And that's the thing. I didn't even
• 12:02
  Speaker 3: know what the time, really what net worth was. And
• 12:05
  Speaker 3: that's why I try to show people like bru real
• 12:07
  Speaker 3: estate is the quickest way to get your net worth
• 12:10
  Speaker 3: up if you just think about it. If you guys
• 12:11
  Speaker 3: in the financial world, the average what is the average
• 12:15
  Speaker 3: networth or the medium net worth of a black family
• 12:18
  Speaker 3: is twenty eight thousand dollars twenty eight thousand dollars by
• 12:21
  Speaker 3: the time I was twenty six, my net worth was
• 12:23
  Speaker 3: one point seven million dollars just from investing in real estate.
• 12:27
  Speaker 5: So what made you continue to work when you were
• 12:30
  Speaker 5: getting sixteen thousand dollars a month a millionaire but in
• 12:34
  Speaker 5: your net worth? Why did you continue? Because then you
• 12:37
  Speaker 5: continue for fifteen more years after that? Yeah, So what
• 12:40
  Speaker 5: was the what was the drive to just And that's
• 12:43
  Speaker 5: a very dangerous job, you know, in a very tough neighborhood,
• 12:47
  Speaker 5: So it's not like something that's an easy job to do.
• 12:50
  Speaker 5: Why did you continue to be a police officer?
• 12:52
  Speaker 3: But the thing about it is you always hear people
• 12:54
  Speaker 3: talk about quit your job. Quit your job. If you
• 12:56
  Speaker 3: want to make it, you need to quit your job.
• 12:58
  Speaker 3: And I was surrounded around on fifteen thousand other police officers.
• 13:03
  Speaker 3: So being to run around all these fifteen thousand police officer,
• 13:06
  Speaker 3: I had fifteen thousand other people that wanted to rent,
• 13:09
  Speaker 3: fifteen thousand other people that I could sell properties to.
• 13:12
  Speaker 3: I told you my wife and I started daycare centers.
• 13:14
  Speaker 3: I had fifteen thousand people that was having children that
• 13:18
  Speaker 3: the police only trust the police. You know, I don't
• 13:21
  Speaker 3: know how it is, but if you think about it, true,
• 13:23
  Speaker 3: the police only trust police, and so now here it
• 13:26
  Speaker 3: is when the police was hearing that, Hey, this police
• 13:28
  Speaker 3: officer got a daycare center. And you think about the
• 13:30
  Speaker 3: police department, it's twenty four hours, it never closes. The
• 13:33
  Speaker 3: fire departments twenty four hours, it never closed it. So
• 13:35
  Speaker 3: you got a night shift, you got a day shift,
• 13:37
  Speaker 3: you got an afternoon shift. We would literally our first
• 13:40
  Speaker 3: daycare center, we made that twenty four hours. So if
• 13:43
  Speaker 3: you think about it, our first daycare center, we held
• 13:45
  Speaker 3: one hundred kids in that daycare center. The average kid
• 13:47
  Speaker 3: was paying about one thousand dollars a month. So our
• 13:50
  Speaker 3: first year in business, we was making one hundred thousand
• 13:52
  Speaker 3: dollars a month from a daycare center.
• 13:54
  Speaker 6: And a daycare center was in Inglewood.
• 13:56
  Speaker 3: It was in one of the worst neighborhoods in Chicago
• 13:58
  Speaker 3: that we were making a hundred thousand dollars a month
• 14:00
  Speaker 3: from that daycare center. And most of our clients of
• 14:04
  Speaker 3: some of our clients were police officers, were firemen, were teachers.
• 14:07
  Speaker 3: When they found out that a police officer own this
• 14:10
  Speaker 3: daycare center, then at that point everybody was like, oh wow,
• 14:13
  Speaker 3: it's safety here, you know. And so I never felt
• 14:16
  Speaker 3: the need to have to quit my job. It was
• 14:18
  Speaker 3: like I got an ecosystem of police officers here that
• 14:22
  Speaker 3: needed places to rent, They need places to live. I
• 14:25
  Speaker 3: was flipping properties to police officers. I knew they had safe,
• 14:27
  Speaker 3: secure jobs. Matter of fact, I was walking up to
• 14:29
  Speaker 3: the lender that first told me that I was a millionaire, saying, hey,
• 14:32
  Speaker 3: you need to get approved for this property through here
• 14:34
  Speaker 3: and so and then. Another thing that I was telling
• 14:37
  Speaker 3: you about before was that I looked at everything as
• 14:40
  Speaker 3: a vehicle. You know, how many vehicles do you have
• 14:43
  Speaker 3: in your garage. I talked to people all the time.
• 14:45
  Speaker 3: They got several cars in their garage, but they feel
• 14:48
  Speaker 3: like they only could have one job. They only could
• 14:50
  Speaker 3: feel like that. You know, I only could do one thing.
• 14:51
  Speaker 3: And I never looked at it that way. I looked
• 14:53
  Speaker 3: at it like, look I can, I can work as
• 14:56
  Speaker 3: a police officer. So the police department was my hootie,
• 14:58
  Speaker 3: right if we just break it down. Vehicle A wait,
• 15:00
  Speaker 3: that was my HOOTI. That was my dependable vehicle. That
• 15:03
  Speaker 3: was my Toyota Camry. Every single day, I know that
• 15:06
  Speaker 3: car will start up right no matter what. The real
• 15:09
  Speaker 3: estate investing to me was like my Catillac Escalade. That
• 15:13
  Speaker 3: was something that to get me through the snow. That
• 15:15
  Speaker 3: was something that I wanted to travel. The daycare centers
• 15:18
  Speaker 3: was like another vehicle. So every business that I had,
• 15:22
  Speaker 3: everything that I did, I never felt the need to
• 15:24
  Speaker 3: get rid of another one. You know, every millionaire has
• 15:27
  Speaker 3: at least seven streams of income. One of those streams
• 15:29
  Speaker 3: of income is earned income. So the police department was
• 15:33
  Speaker 3: my earned income. That was that stream that kept the
• 15:36
  Speaker 3: benefits right. It kept those those things that we have
• 15:39
  Speaker 3: as a user teacher right, and so your pension, you know,
• 15:43
  Speaker 3: your if people be so quick to lead their job,
• 15:46
  Speaker 3: and it's like, look for if everybody out here is
• 15:49
  Speaker 3: like Troy, you know where you you know, lead your
• 15:51
  Speaker 3: job and then started a podcasting nor more podcasts in
• 15:53
  Speaker 3: the world.
• 15:54
  Speaker 6: That's cool. But for the most people, for the regular people, bruh,
• 15:57
  Speaker 6: I got a wife.
• 15:58
  Speaker 2: There's what's going on. As you gear of a fall.
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• 17:08
  Speaker 3: Bro, I got kids like I just can't afford to
• 17:12
  Speaker 3: just quit my job and just take a leap.
• 17:15
  Speaker 6: You hear people say all the time, Man, just take
• 17:16
  Speaker 6: that leap, brother, Just go ahead, take that.
• 17:18
  Speaker 3: Leap and I say, man, look, look, the time is
• 17:21
  Speaker 3: gonna come and you can know that you need to
• 17:22
  Speaker 3: leave your job. Because I did leave my job after
• 17:24
  Speaker 3: a while, but in the meanwhile, doing the process of
• 17:27
  Speaker 3: becoming I felt like my job was not getting in
• 17:30
  Speaker 3: my way.
• 17:31
  Speaker 6: My job is anything.
• 17:32
  Speaker 3: It kept me straight because I was the type bro
• 17:34
  Speaker 3: where I didn't save for emergency funds.
• 17:37
  Speaker 6: I wasn't. I hear people all the time talk about like, hey,
• 17:38
  Speaker 6: you should save.
• 17:39
  Speaker 3: For an emergency fund, bro, when you going through life
• 17:43
  Speaker 3: and going through the things that I went through as
• 17:45
  Speaker 3: a police officer.
• 17:46
  Speaker 6: Every day was an emergency.
• 17:48
  Speaker 2: Bro.
• 17:49
  Speaker 3: My first month on the job, my first matter of fact,
• 17:52
  Speaker 3: my first my first call on the job, my first
• 17:55
  Speaker 3: call on the job was a disturbance. And I never
• 17:58
  Speaker 3: forget bro, it was a disturbance. We we looked, this
• 18:01
  Speaker 3: is my first job, my first call. We get a
• 18:03
  Speaker 3: call of a disturbance and we get to the location
• 18:07
  Speaker 3: and this is aggression. We get to the location and
• 18:10
  Speaker 3: they say the family was sitting outside and they like, officers,
• 18:13
  Speaker 3: uncle Fred and take his medication today. And they was like, yeah,
• 18:16
  Speaker 3: we need you to go go take care of our uncle.
• 18:19
  Speaker 3: And we're like okay, cool, uncle Fred medication. They didn't
• 18:21
  Speaker 3: even click on me. I was a rookie, right, and
• 18:23
  Speaker 3: then so we go upstairs to the to the third
• 18:27
  Speaker 3: floor where you know where the guy was at The
• 18:29
  Speaker 3: second we got upstairs, we see this guy, no shirt on,
• 18:35
  Speaker 3: army fatigues. Dude had a bandana tied around his head.
• 18:40
  Speaker 3: He defecated on hisself, put it on his face like
• 18:42
  Speaker 3: camouflage all of his body. And then my man came
• 18:45
  Speaker 3: turned and looked at me, and my partner was like,
• 18:47
  Speaker 3: come on, he like literally put his hands up like like, look,
• 18:51
  Speaker 3: this is my first job.
• 18:52
  Speaker 6: Br Like, I didn't even want to be a police officer.
• 18:54
  Speaker 2: Now since Rainbow have we seen something like that?
• 18:56
  Speaker 3: So brough So I said, I said, my first month
• 18:59
  Speaker 3: on the yeah. Then my second month, now this is
• 19:01
  Speaker 3: the one that was a little bit more serious. This
• 19:03
  Speaker 3: is the only time that I thought about quitting my job.
• 19:06
  Speaker 3: Was we got a call of a disturbance.
• 19:08
  Speaker 5: I know, we didn't.
• 19:09
  Speaker 3: It was a call of juveniles outside, and me and
• 19:12
  Speaker 3: my partner Broun, and I call this my wake up
• 19:14
  Speaker 3: call in life. Me and my partner literally pull up
• 19:17
  Speaker 3: and we see several juveniles outside, you know, and they
• 19:20
  Speaker 3: out there just hanging out. It was like midnight, and
• 19:22
  Speaker 3: so we said we was gonna take him home. You
• 19:24
  Speaker 3: know one kid in particular. I went to the kid
• 19:27
  Speaker 3: to go pat him down because we was gonna put
• 19:29
  Speaker 3: him in our car and take him home.
• 19:30
  Speaker 6: As I go to pat this.
• 19:31
  Speaker 3: Kid down, bruh, the kid pushes me, takes off runs
• 19:35
  Speaker 3: down the street. I started chasing at them. Literally, bro,
• 19:39
  Speaker 3: run about two blocks. He dashed between these two buildings.
• 19:43
  Speaker 3: He jumps up on this fence. I grabbed him down
• 19:45
  Speaker 3: from the fence. He's like wrapping up. What's that bob
• 19:47
  Speaker 3: wh at the top of the fence. As I'm pulling
• 19:49
  Speaker 3: this kid down, Bro, this guy, this kid pulls out
• 19:51
  Speaker 3: a gun, puts his hand on the trigger. Bruh, and
• 19:54
  Speaker 3: again it starts to pull the trigger. Bullets is literally
• 19:56
  Speaker 3: coming out of the gun. I am holding the gun
• 19:59
  Speaker 3: while fiers coming out of this gun. As we're fighting
• 20:02
  Speaker 3: over this gun, my partner pulls up. It was an
• 20:05
  Speaker 3: old timer. He said he couldn't see us. He gets
• 20:08
  Speaker 3: out the car, sees bullets coming at him, so he
• 20:10
  Speaker 3: turns around and starts to shoot at both of us.
• 20:12
  Speaker 3: The kid goes over to the other side of the fence,
• 20:14
  Speaker 3: drops the gun, I take cover, and the kid end
• 20:17
  Speaker 3: up getting away. But literally after that had happened, all
• 20:22
  Speaker 3: of the supervisors came on the scene as a rookie
• 20:24
  Speaker 3: cop because I was still on probation. They took my
• 20:27
  Speaker 3: gun from me and I ain't even firing my gun.
• 20:29
  Speaker 3: They put me in the back of a squad car
• 20:31
  Speaker 3: and they told us to sit here because my partner
• 20:33
  Speaker 3: fired sixteen shots and all his bullets went across the
• 20:37
  Speaker 3: street to another building that was across the street, so
• 20:39
  Speaker 3: they said, somebody is probably in this building dead.
• 20:42
  Speaker 6: So here it is now.
• 20:43
  Speaker 3: They took my partner, put him in one car, put
• 20:45
  Speaker 3: me in one car, and literally I'm just sitting here
• 20:47
  Speaker 3: in the back of the cot just thinking of myself.
• 20:49
  Speaker 3: That was the only time that I wanted to quit.
• 20:50
  Speaker 3: While I was like, man, all I wanted to do
• 20:53
  Speaker 3: was have a secure job. I just want a job
• 20:55
  Speaker 3: with benefits. I just wanted to be able to take
• 20:58
  Speaker 3: care of my family. And now here it is, I'm
• 20:59
  Speaker 3: possibly fight for my life right now. After I just
• 21:01
  Speaker 3: literally got shot at and so it was things like
• 21:05
  Speaker 3: that where I was like, Okay, cool, I'm gonna be
• 21:08
  Speaker 3: I'm done with the mindset that most people have on
• 21:11
  Speaker 3: their jobs where you're like, Okay, I'm gonna let this
• 21:12
  Speaker 3: job take care of me for the next thirty years.
• 21:15
  Speaker 3: I'm gonna buy into the system of the company. But
• 21:17
  Speaker 3: I wasn't finished with this one stream of income that
• 21:21
  Speaker 3: I have.
• 21:21
  Speaker 2: At the time.
• 21:22
  Speaker 6: So those are my first two calls ever.
• 21:24
  Speaker 3: But at that point, Bro, I was just like, I
• 21:27
  Speaker 3: got this vision of how I want my life to be,
• 21:31
  Speaker 3: and no matter what, no matter what this job bring me,
• 21:33
  Speaker 3: no matter what's going on, I'm going to get there.
• 21:36
  Speaker 3: And I think a lot of people quit their jobs prematurely.
• 21:40
  Speaker 3: You know, you just think about a lot of people
• 21:41
  Speaker 3: just quit their jobs prematurely. So I never wanted that
• 21:44
  Speaker 3: to be me. I said, I have a vision of
• 21:46
  Speaker 3: how I want my life to be, and I'm going
• 21:48
  Speaker 3: to maintain I'm not gonna let this one stream of
• 21:50
  Speaker 3: income that I have get away from me because I
• 21:52
  Speaker 3: knew I was leveraging the police department, leveraging my nine
• 21:54
  Speaker 3: to five in order to purchase real estate.
• 21:57
  Speaker 2: When you drew up that plan, because that's like I
• 21:59
  Speaker 2: never even thought that, right, Like, not only are they
• 22:01
  Speaker 2: your colleagues, but they are going to eventually be your
• 22:03
  Speaker 2: clients when you drew up the plan? Was that originally
• 22:05
  Speaker 2: the vision or did that come along the way right,
• 22:07
  Speaker 2: because I'm thinking, like daycares that makes so much sense. Yeah,
• 22:10
  Speaker 2: why wouldn't you be doing that? So did you know
• 22:12
  Speaker 2: that pride to going in or did as you're going
• 22:15
  Speaker 2: and saying I real estate, All right, well I can
• 22:17
  Speaker 2: rent homes and sell homes to them, but hey, they
• 22:18
  Speaker 2: have children too, I can do a daycare too. And
• 22:21
  Speaker 2: then the second part to that is like that's three
• 22:24
  Speaker 2: different streams. You have a job that is pretty intensive,
• 22:29
  Speaker 2: so what's the balance, like we're managing all that?
• 22:31
  Speaker 3: Yeah, So for managing for me, it was always just
• 22:35
  Speaker 3: like just like Rasha, I just got through saying I
• 22:37
  Speaker 3: have a chain of daycare centers with my wife. I
• 22:41
  Speaker 3: have a security company, pretty large security company with my brother.
• 22:45
  Speaker 3: So I literally put people in place or start businesses
• 22:49
  Speaker 3: with people that's family, people that I trust, that I love,
• 22:51
  Speaker 3: that's friends of mine, and so that way it doesn't
• 22:55
  Speaker 3: feel like a job. I'm with my wife all day long,
• 22:57
  Speaker 3: you knowing, So that way we're able to you know,
• 22:59
  Speaker 3: we were together already, so it's not hard for me
• 23:01
  Speaker 3: to manage that same thing with my brother.
• 23:03
  Speaker 6: So it's not hard.
• 23:04
  Speaker 3: I like to see other people making money at the
• 23:06
  Speaker 3: same time that I'm making money, and so it never
• 23:08
  Speaker 3: seemed like it was anything that I had to work
• 23:10
  Speaker 3: hard to do, you know. It just seemed like it
• 23:12
  Speaker 3: came natural. And then with the police department, in the beginning,
• 23:16
  Speaker 3: I would say I didn't see the police officers bringing
• 23:19
  Speaker 3: their kids to my daycare center. It wasn't until I
• 23:22
  Speaker 3: hit this one instance where I actually hit a lady
• 23:24
  Speaker 3: cop that was working with me, where she I think
• 23:26
  Speaker 3: something happened was she didn't have a babysitterer and couldn't
• 23:29
  Speaker 3: drop her kid off. Ugh, she couldn't come to work
• 23:30
  Speaker 3: that day, and so at that point, that's when she
• 23:32
  Speaker 3: asked me if she could bring her kid to my
• 23:34
  Speaker 3: daycare center. And then I was like, man, it's a
• 23:36
  Speaker 3: need for childcare. And then at that point that's when
• 23:39
  Speaker 3: we start opening up daycare centers strategically around the different
• 23:43
  Speaker 3: police departments police stations that I worked at, because it
• 23:46
  Speaker 3: was right there, so when police officers got off work,
• 23:47
  Speaker 3: then they were able to just come there and pick
• 23:49
  Speaker 3: the child up.
• 23:50
  Speaker 2: Now, just the second part too, it because I'm thinking,
• 23:52
  Speaker 2: like we have a lot of people who were married,
• 23:54
  Speaker 2: was your wife's vision aligned with yours or was it
• 23:56
  Speaker 2: something that you have to convince her, because like I'm
• 23:58
  Speaker 2: not sure was she in law enforcement, because a lot
• 24:00
  Speaker 2: of people try, Like I'm married now, right, So like
• 24:02
  Speaker 2: my wife's vision may not be with mine, but she'll
• 24:04
  Speaker 2: support me because she understands that there's a mission. Same
• 24:07
  Speaker 2: thing for your brother, Like we put people in positions
• 24:09
  Speaker 2: and sometimes they're not ready to be in that position
• 24:11
  Speaker 2: and then it ends up backfiring. So where they both
• 24:14
  Speaker 2: lot this was both aligned with what they had visions
• 24:16
  Speaker 2: for themselves. They were like, let me support our brother
• 24:18
  Speaker 2: our husband.
• 24:19
  Speaker 3: Yeah, so my brother. So I actually looked at the
• 24:21
  Speaker 3: things that they were doing already. So with me and
• 24:23
  Speaker 3: my wife, we just hit our daughter right, and my
• 24:26
  Speaker 3: wife she wanted to still you know, my wife wanted
• 24:30
  Speaker 3: to still make money, but yet she wanted to still
• 24:32
  Speaker 3: take care of our kids. So we went around looking
• 24:34
  Speaker 3: at daycare centers for our daughter and it was like
• 24:36
  Speaker 3: we couldn't find a daycare center that was nice enough.
• 24:39
  Speaker 6: You know, for our child.
• 24:40
  Speaker 3: And then when I found out what or daycare Simmons
• 24:42
  Speaker 3: was actually charging, I was like, man, I can't believe this.
• 24:45
  Speaker 3: I was in real estate, so I took a church.
• 24:48
  Speaker 3: I literally took a church. I renovated a church one
• 24:50
  Speaker 3: property at the time. I literally fixed and flipped our
• 24:53
  Speaker 3: way because we never got that loan for that daycare center,
• 24:56
  Speaker 3: so I had to flip properties. So I would buy property,
• 24:59
  Speaker 3: fixing it up up, flip it, take fifty percent of
• 25:02
  Speaker 3: the profit and put it back into not flipping another property,
• 25:06
  Speaker 3: and they will take the other fifty percent and put
• 25:08
  Speaker 3: it into the daycare center itself, you know. And so
• 25:11
  Speaker 3: that's how we end up starting out with the first
• 25:12
  Speaker 3: daycare center. But with my wife, it was just like, look,
• 25:15
  Speaker 3: you can do this on your own, Like we can
• 25:17
  Speaker 3: literally create our own daycare center and have everybody come
• 25:19
  Speaker 3: here and pay us. My brother was already working security,
• 25:23
  Speaker 3: like most police officers, they already working part time. This
• 25:26
  Speaker 3: is something that he was doing already, and I was
• 25:28
  Speaker 3: looking at him going to work every single day, and
• 25:30
  Speaker 3: I'm like, bro, why don't we own our own security company?
• 25:33
  Speaker 3: And so I take what people are doing already and
• 25:36
  Speaker 3: then I just go ahead, and I'm that financial backing.
• 25:38
  Speaker 3: I'm that visionary, the one that say, hey, look we
• 25:40
  Speaker 3: can start our own business. And I think a lot
• 25:42
  Speaker 3: of people missed that brother. When I tell you, people
• 25:44
  Speaker 3: are so quick to lead a job or lead a
• 25:47
  Speaker 3: situation they're in. If you just look at the situation
• 25:49
  Speaker 3: you're in, there's a business in that, there's a business
• 25:53
  Speaker 3: in that, you know. And so we just was able
• 25:56
  Speaker 3: to do it. And within the first year, me and
• 25:57
  Speaker 3: my brother, our business went from zero to a million
• 26:00
  Speaker 3: million dollars, a million dollar security company. And now our
• 26:03
  Speaker 3: security company makes millions of dollars. And it all came
• 26:06
  Speaker 3: from him having the knowledge. For years he worked part
• 26:08
  Speaker 3: time job for everybody else. He was a part time
• 26:11
  Speaker 3: security guard for everybody else except for hisself.
• 26:14
  Speaker 5: So all right, so let's get into this. I want
• 26:16
  Speaker 5: to talk about the security. I want to talk about
• 26:19
  Speaker 5: the daycare each individually, and I also want to talk
• 26:22
  Speaker 5: about the development. But let's start with the real estate
• 26:24
  Speaker 5: investing aspect of it. You put a post up a
• 26:28
  Speaker 5: few years ago that I have reposting a lot of
• 26:32
  Speaker 5: traction about Section eight. Housing. People have a bad stigma
• 26:36
  Speaker 5: about Section eight. Is it's still called section eight. I
• 26:38
  Speaker 5: think they might have changed it.
• 26:40
  Speaker 2: Yeah, I think section.
• 26:43
  Speaker 5: So you are big on the Section eight.
• 26:46
  Speaker 3: I love it, all right, So, especially during the pandemic, explain.
• 26:50
  Speaker 5: Explain why it's beneficial and how did you get turned
• 26:53
  Speaker 5: on to that?
• 26:54
  Speaker 3: Yeah, so my first tenants were Section eight. I started
• 26:58
  Speaker 3: out with Section eight. Real estate broker she told me,
• 27:01
  Speaker 3: you know, I, as a police officer, we look for
• 27:05
  Speaker 3: secure money, right I work. I'm a city worker, So
• 27:08
  Speaker 3: first and the sixteenth, I know that I'm going to
• 27:10
  Speaker 3: get my money the first thing, no matter what happens,
• 27:12
  Speaker 3: no matter what the economy, no matter what's going on,
• 27:15
  Speaker 3: that first and the sixteenth police officers look for that
• 27:17
  Speaker 3: paycheck in that same kind of way.
• 27:19
  Speaker 6: For me, I didn't have a bunch of money saved up.
• 27:22
  Speaker 3: So if I couldn't pay my mortgage, you know I
• 27:25
  Speaker 3: didn't have money, Well I could just go tap me
• 27:27
  Speaker 3: into my bank account to go pay this mortgage. So
• 27:29
  Speaker 3: I needed that guarantee secure money. So my real estate
• 27:32
  Speaker 3: broker she taught me, told me about Section eight and
• 27:35
  Speaker 3: the process was to me, it was great because with
• 27:38
  Speaker 3: Section eight is like they actually manage your building for you.
• 27:41
  Speaker 6: You know, before you can.
• 27:43
  Speaker 3: Move a tenant into your property, they come out, they
• 27:45
  Speaker 3: inspect the property, they tell you what needs to be fixed,
• 27:47
  Speaker 3: you know, what needs to be changed, and then they
• 27:50
  Speaker 3: take pictures of it and then they do a yearly
• 27:52
  Speaker 3: inspection every single year. And then so when they come
• 27:55
  Speaker 3: out yearly and inspect this property, they're telling you, all right,
• 27:58
  Speaker 3: this needs to be fixed, needs to be fixed. So
• 28:01
  Speaker 3: pretty much Section eight was like a property manager for me.
• 28:03
  Speaker 3: They made sure that my property was kept up, and
• 28:06
  Speaker 3: it was the guaranteed money part they really you know,
• 28:09
  Speaker 3: kept me going.
• 28:10
  Speaker 5: Well.
• 28:10
  Speaker 3: I think a lot of people so like during the pandemic,
• 28:13
  Speaker 3: after that post came out, a lot of people was
• 28:16
  Speaker 3: just like, oh no, I wouldn't do Section eight. Section eight.
• 28:19
  Speaker 3: They you know, man, they messed your place up. Oh man,
• 28:22
  Speaker 3: they gonna tear your place up. And I'm like, I
• 28:25
  Speaker 3: didn't have that kind of result because every single year
• 28:27
  Speaker 3: they're doing an inspection and they know if the damage
• 28:31
  Speaker 3: came from the tenant or if the damage came or
• 28:33
  Speaker 3: if it's something that's on the owner that needs to
• 28:34
  Speaker 3: be fixed. And so for me, I was just like, man,
• 28:37
  Speaker 3: section eight is the way to go. When COVID struck, though,
• 28:41
  Speaker 3: everybody tended like people stopped paying, right, people stopped paying.
• 28:45
  Speaker 3: The only people that were still paying and paying on
• 28:48
  Speaker 3: time was Section.
• 28:50
  Speaker 5: Eight because that's the government for them, right, it's the
• 28:52
  Speaker 5: government paying form that the government pays one hundred percent,
• 28:54
  Speaker 5: or it's like, well, some people have co payments, right,
• 28:57
  Speaker 5: and so I have tenants where they do pay one
• 28:59
  Speaker 5: hundred percent. I have tenants where the tenant has a fifty.
• 29:02
  Speaker 3: Dollars co payment, and I'm talking about what a rent
• 29:04
  Speaker 3: might be thirteen hundred dollars and intendent only have to
• 29:07
  Speaker 3: have fifty dollars copay. I have some tenants where the
• 29:10
  Speaker 3: government pays fifty percent and a tenant pays the other
• 29:12
  Speaker 3: fifty percent. It's a program where it's designed to get
• 29:16
  Speaker 3: tenants to become self sufficient, right, It's designed to get
• 29:19
  Speaker 3: people to become self sufficient. But like I said, I
• 29:21
  Speaker 3: say at tenants over the last ten years that's been
• 29:23
  Speaker 3: on Section eight, and I mean, I love it because,
• 29:26
  Speaker 3: like I said, it's guaranteed money. And whenever you're building
• 29:28
  Speaker 3: a business, I think that in the beginning. Now I
• 29:31
  Speaker 3: have so many units where if I have a tenant
• 29:33
  Speaker 3: that doesn't pay, that's not Section eight. I can still
• 29:36
  Speaker 3: get profit from another property. But in the beginning, and
• 29:39
  Speaker 3: I tell this to anybody when you're starting out in
• 29:41
  Speaker 3: real estate, I would definitely start out with secure, guaranteed
• 29:45
  Speaker 3: money because you can't afford to miss a payment.
• 29:48
  Speaker 5: And it's a common misconception people have about Section eight
• 29:51
  Speaker 5: that think it's only for public housing. But you could
• 29:54
  Speaker 5: have any place could be Section eight if the landlord
• 29:57
  Speaker 5: wants to rent it to Section eight. Yeah, yeah, I
• 29:59
  Speaker 5: saw like a private It doesn't necessarily have to be
• 30:02
  Speaker 5: public house. It could be a private house and they
• 30:04
  Speaker 5: get a voucher, right, and they can just live there.
• 30:07
  Speaker 3: Correct, So you make your place section eight ready, so
• 30:10
  Speaker 3: it's not like this building here is designated for Section eight. Yeah,
• 30:13
  Speaker 3: so any property Section eight ten, it can move anywhere.
• 30:16
  Speaker 3: You know, you just have to fill out the voucher.
• 30:18
  Speaker 3: And then once they submit that to a Section eight
• 30:20
  Speaker 3: they come out doing an inspection and then that's when
• 30:23
  Speaker 3: they send you and then you do what's called rent negotiation.
• 30:25
  Speaker 3: Then you negotiate the rent, and.
• 30:27
  Speaker 5: Then they increase the rent over the course of time. Right, absolutely,
• 30:29
  Speaker 5: the government increases it. The government increases it.
• 30:31
  Speaker 2: Yep. So in the portfolio, are these properties that you
• 30:34
  Speaker 2: have and know it's over three hundre are they predominantly
• 30:36
  Speaker 2: in one area in Chicago? And what's the ratio is it?
• 30:40
  Speaker 2: I have this percentage that I'm allocating the flip I'm
• 30:43
  Speaker 2: keeping these for rent flow, Like, how do you balance that?
• 30:45
  Speaker 3: Yeah, so one hundred percent of my properties that are
• 30:47
  Speaker 3: in Illinois, right, but most of them are in Chicago.
• 30:51
  Speaker 3: So Chicago is so large and so diverse. I got
• 30:54
  Speaker 3: properties on the east side of Chicago, the south side
• 30:56
  Speaker 3: of Chicago, and the west side of Chicago. I haven't
• 30:59
  Speaker 3: got onto the north side because the north side is
• 31:01
  Speaker 3: just too expensive, you know. And so yeah, so so
• 31:04
  Speaker 3: I have property. So I got this thing where I
• 31:07
  Speaker 3: got a purpose of every property that I purchase, right,
• 31:10
  Speaker 3: every single property serves a purpose. I don't just go
• 31:12
  Speaker 3: buying real estate to buy real estate. I think when
• 31:14
  Speaker 3: people do that, they go wrong, you know. So if
• 31:17
  Speaker 3: I don't need like if my wife so she wanted
• 31:20
  Speaker 3: to do vacations, you want to travel every three months,
• 31:22
  Speaker 3: Now we have a property that covers that expense, and
• 31:27
  Speaker 3: so we have props. So after that, now we have
• 31:30
  Speaker 3: like we flip single family houses, and so we keep
• 31:34
  Speaker 3: in our portfolio multi unit buildings and so those are
• 31:36
  Speaker 3: cash flow properts that take care of everything in our
• 31:38
  Speaker 3: life that we needed to take care of. And then
• 31:40
  Speaker 3: the single family houses we flip those because we find
• 31:43
  Speaker 3: single family houses more easier to flip because you got
• 31:46
  Speaker 3: right now as a housing market and everybody's looking to
• 31:48
  Speaker 3: move into a home, and you know, we're still flipping houses.
• 31:51
  Speaker 3: You know, people are still buying even right now with
• 31:53
  Speaker 3: this so called pandemic or high interest rates. And really,
• 31:56
  Speaker 3: to me, interest rates are not really that high. When
• 31:58
  Speaker 3: I first got started in real estate two years ago,
• 32:01
  Speaker 3: you know, the average interest rate was about eight percent
• 32:03
  Speaker 3: you know where today, and people was happy for that.
• 32:06
  Speaker 3: I remember back in I don't remember, but I've heard
• 32:08
  Speaker 3: back in the eighties, interest rates was like eighteen percent. Yeah,
• 32:12
  Speaker 3: they were double digits, and so you know, people still
• 32:15
  Speaker 3: getting mortgages then, and so yeah, so right now we
• 32:18
  Speaker 3: fix and flip, and we also we still fix and
• 32:20
  Speaker 3: flip multi units for people that's doing house hacking. You
• 32:22
  Speaker 3: know house hacking where a person the owner would live
• 32:25
  Speaker 3: in one unit and rent out the other units to
• 32:27
  Speaker 3: cover their mortgage, which is great for somebody that's retiring
• 32:30
  Speaker 3: from you know, being a teacher, being a police officer,
• 32:32
  Speaker 3: and you're looking to supplement that income. You know, house
• 32:35
  Speaker 3: hacking is the way to go. So those are the
• 32:36
  Speaker 3: types of people that we flip properties to. So you
• 32:39
  Speaker 3: put on Instagram that the five keys to protecting your
• 32:44
  Speaker 3: rental investment. Let's go through each one of them. Property insurance, Yes,
• 32:49
  Speaker 3: you got to have property insurance. I remember when I
• 32:51
  Speaker 3: did my second property, I didn't have the right head
• 32:54
  Speaker 3: property insurance. I didn't have the right property insurance. I
• 32:57
  Speaker 3: didn't know that you have to have a policy that
• 33:00
  Speaker 3: covers theft, and so I had property insurance on the property,
• 33:04
  Speaker 3: but it just covered tenant. It was a tenant policy
• 33:07
  Speaker 3: as opposed to a renovation policy. And so because I
• 33:10
  Speaker 3: did not have property insurance, the right policy on that property,
• 33:13
  Speaker 3: somebody broke into that property and stole I had all
• 33:16
  Speaker 3: the material in there. I had everything in there, and
• 33:19
  Speaker 3: they end up ripping me off and taking everything out
• 33:21
  Speaker 3: of there. So people need to make sure they have
• 33:22
  Speaker 3: the right insurance policy.
• 33:25
  Speaker 5: So the right insurance policy should have deaf insured. What
• 33:28
  Speaker 5: should the right insurance policy?
• 33:29
  Speaker 6: It depends on what you're doing.
• 33:31
  Speaker 3: So if you're doing a fix and flip, you know,
• 33:33
  Speaker 3: you definitely want to make sure that you're having a
• 33:34
  Speaker 3: policy that covers theft. You know, not a tenant policy
• 33:38
  Speaker 3: because you don't have a tenant in that property, and
• 33:40
  Speaker 3: so in your insurance agent a lot of times won't
• 33:42
  Speaker 3: even tell you that. You know, a lot of times
• 33:44
  Speaker 3: when investors are getting into real estate, you're just looking
• 33:47
  Speaker 3: to get a policy and the end you're just looking
• 33:49
  Speaker 3: to get the cheapest policy. Right, You're just like, man,
• 33:51
  Speaker 3: I just want Once they give you the amount, you're
• 33:53
  Speaker 3: just like, yeah, I just want the cheapest one. But
• 33:54
  Speaker 3: you need to read the fine print and actually get
• 33:57
  Speaker 3: one that's covering what you're doing.
• 34:00
  Speaker 2: So like if somebody if you're building and you're putting
• 34:02
  Speaker 2: in a stove or you're putting in the fridge a
• 34:04
  Speaker 2: no time, like people are just I've seen that happen
• 34:07
  Speaker 2: when people will take these type of appliances out of
• 34:09
  Speaker 2: somebody's house while they're building it.
• 34:11
  Speaker 3: All the time. It just happened to me probably several
• 34:13
  Speaker 3: months ago during the pandemic. We literally moved the pliances
• 34:16
  Speaker 3: into a house and then like within seven hours, all
• 34:19
  Speaker 3: those appliances came right.
• 34:20
  Speaker 6: Off the house.
• 34:21
  Speaker 2: Seven hours.
• 34:21
  Speaker 3: Seven hours wasn't even whole twenty four hours. Somebody saw
• 34:24
  Speaker 3: us moving appliances in, they came there and took the
• 34:26
  Speaker 3: pliances right out of there. But that type of policy happened. Yeah,
• 34:31
  Speaker 3: that you can actually write that off or you can
• 34:33
  Speaker 3: actually get a reimbursed for that, you know, But if
• 34:36
  Speaker 3: you just hit a rental policy, it won't cover that.
• 34:39
  Speaker 2: Do the premiums I mean, if that happens out, do
• 34:41
  Speaker 2: the premiums go up on the insurance? Is how it
• 34:43
  Speaker 2: works the same thing like in cars.
• 34:44
  Speaker 3: Yeah, I haven't had premiums go up based on something
• 34:46
  Speaker 3: that small. Now, if you're talking about something major, you know,
• 34:49
  Speaker 3: then of course your premium will go up. But something
• 34:51
  Speaker 3: small like okay, refriger you know, five thousand dollars nah?
• 34:56
  Speaker 3: Property manager, yes, property manager, Especially if you're a nine
• 35:00
  Speaker 3: to fiver, if you work in a job, you don't
• 35:02
  Speaker 3: have time to manage your property. And I think that's
• 35:05
  Speaker 3: been the secret sauce to me over my whole time.
• 35:08
  Speaker 3: I didn't have time to every time somebody called me
• 35:11
  Speaker 3: talking about some ads, this broke down.
• 35:13
  Speaker 6: I don't know how to fix anything.
• 35:14
  Speaker 3: Bro When I tell you that, like I own over
• 35:16
  Speaker 3: three hundred and eighty units and I don't know how
• 35:19
  Speaker 3: to change a toilet. I don't need to know how
• 35:21
  Speaker 3: to change a toilet. That's my property manager's job. My
• 35:24
  Speaker 3: property manager knows how to find the people that's gonna
• 35:27
  Speaker 3: change the toilet for me. And I think people don't
• 35:28
  Speaker 3: get in real estate because they think that you got
• 35:30
  Speaker 3: to know how to do all this stuff. Bru, I
• 35:32
  Speaker 3: don't know how to do anything. And I mean, I
• 35:35
  Speaker 3: could probably learn how to do it, but I need
• 35:37
  Speaker 3: to be purchasing more properties. Somebody has to be the
• 35:40
  Speaker 3: one that's the visionary. Somebody got to be the one
• 35:42
  Speaker 3: that's actually, you know, put bind the properties. And so
• 35:44
  Speaker 3: that's my job. And so have a property manager. And
• 35:47
  Speaker 3: so now when you say, okay, Jamal, you got three
• 35:49
  Speaker 3: hundred eighty units, yeah, I don't know that one of
• 35:52
  Speaker 3: my tenants, and my tenants don't know me personally, but
• 35:55
  Speaker 3: my property manager knows all three hundred tenants. Right, My
• 35:58
  Speaker 3: property manager knows all the ten and I deal with
• 36:01
  Speaker 3: the property manager. So all my tenants pay my property manager,
• 36:04
  Speaker 3: and my property manager pays me. It's easy to deal
• 36:07
  Speaker 3: with one person, but imagine if you had to deal
• 36:09
  Speaker 3: with all of these different people too much, it'll be
• 36:11
  Speaker 3: too much. You wouldn't even Now it's like, okay, I
• 36:13
  Speaker 3: need to quit my job because this has become a job,
• 36:17
  Speaker 3: you know what I'm saying. So that's been the secret, sauce.
• 36:19
  Speaker 3: I have managers for everything that I do. When it's
• 36:21
  Speaker 3: easy for me to manage one person. So now I
• 36:23
  Speaker 3: grow my portfolio to a thousand properties. Fine, I got
• 36:26
  Speaker 3: one property manager though that I deal with. Oh, I
• 36:29
  Speaker 3: can separate it five hundred units to this property manager,
• 36:31
  Speaker 3: five hundred units to that property manager.
• 36:33
  Speaker 6: But we have to simplify it.
• 36:35
  Speaker 3: And I think that a lot of times we make
• 36:36
  Speaker 3: things too complex because we're trying to do everything on
• 36:39
  Speaker 3: our own. And so that property manager, even a project manager,
• 36:43
  Speaker 3: if you're doing a fix and flip, here it is.
• 36:45
  Speaker 3: I'm with you guys right now, talking to you, and
• 36:47
  Speaker 3: I'm working on sixteen fixing flips right now in Chicago.
• 36:50
  Speaker 3: I'm not on my phone right now. Like a home depot, Yeah,
• 36:54
  Speaker 3: put the chandelier here, Yeah, we want this. No, I
• 36:56
  Speaker 3: have a project manager that knows exactly how I fix
• 36:59
  Speaker 3: up these properties.
• 37:00
  Speaker 5: So that was the next thing. So all right, so
• 37:02
  Speaker 5: the property manager is ten percent. You pay them ten percent?
• 37:05
  Speaker 6: Yeah, so property manager, I pay ten percent.
• 37:07
  Speaker 3: Sometimes it can go from it can go as low
• 37:09
  Speaker 3: as seven percent to twelve percent.
• 37:11
  Speaker 5: Of like monthly rent, yes, of the gross of the
• 37:14
  Speaker 5: gross and the three hundred eighty units. Correct, and they
• 37:17
  Speaker 5: and they manage the property. They managed it from A
• 37:19
  Speaker 5: to Z. They manage the property. They if tendants leave out,
• 37:23
  Speaker 5: they put the tenants in the property. Not only difference
• 37:25
  Speaker 5: is if something goes wrong in the property, they're not
• 37:29
  Speaker 5: They're they're finding the contractor or talking with the contractor
• 37:32
  Speaker 5: get it fixed. But yet you still have to come
• 37:35
  Speaker 5: up with the money to actually pay for that whatever
• 37:38
  Speaker 5: it is. And so they're doing the maintenance of it,
• 37:40
  Speaker 5: the shoveling of the snow, the cutting up the grass,
• 37:42
  Speaker 5: all of the stuff that we don't want to do, right,
• 37:45
  Speaker 5: all the stuff that we don't want to do, that's
• 37:47
  Speaker 5: their responsibity. You find a good one, just referral, referrals.
• 37:50
  Speaker 3: Word of mouth the same way how you find a
• 37:51
  Speaker 3: good contractor. You and I tell people all the time.
• 37:54
  Speaker 3: Word of mouth is everything you know. If you're gonna
• 37:56
  Speaker 3: be in real estate, you know, you ask around, ask questions.
• 37:59
  Speaker 3: A good state brokers should know a good property manager.
• 38:02
  Speaker 3: A good property manager should know a good contractor. Great
• 38:05
  Speaker 3: contractors should know other great contractors, and so everything as
• 38:09
  Speaker 3: far as in real estate, it is a hands on
• 38:12
  Speaker 3: contact sport where word of mouth, you know, if it's
• 38:15
  Speaker 3: a contractor, you should stay away from.
• 38:16
  Speaker 6: Trust me.
• 38:17
  Speaker 3: People know you know all the bed contractors, they know
• 38:20
  Speaker 3: all of the bed property managers and project managers.
• 38:22
  Speaker 2: Is there a number that you would get to? And
• 38:24
  Speaker 2: it's like, all right, I need to hire more than
• 38:25
  Speaker 2: one property manager because you said you spread out the
• 38:28
  Speaker 2: entire state of Illinois. I'm thinking, like, damn for one
• 38:30
  Speaker 2: person to be moving around like that, that's tough. But
• 38:32
  Speaker 2: obviously having section eight helps, yeah, because you know, I mean,
• 38:34
  Speaker 2: that's guarantee that probably goes straight to an account. But
• 38:37
  Speaker 2: is there a number or is there a reason why
• 38:39
  Speaker 2: you just have one and not having all right, Well,
• 38:42
  Speaker 2: you have the south side, that's your that's your area.
• 38:44
  Speaker 2: You got the east side. Is the reason why you
• 38:46
  Speaker 2: don't use that trategy?
• 38:48
  Speaker 5: Yeah?
• 38:48
  Speaker 3: I tell people it could be five properties, you got
• 38:50
  Speaker 3: five units and switch up property managers. It all depends
• 38:53
  Speaker 3: on how good they are. And right now, the property
• 38:55
  Speaker 3: managers I have hasn't showed herself to not be good.
• 38:58
  Speaker 3: To be honest, as long as it's still working. So
• 39:01
  Speaker 3: as long as it's still working, I'm gonna keep buying.
• 39:03
  Speaker 3: And I think that's the thing, man. As long as
• 39:05
  Speaker 3: it's working, then I'm gonna keep buying. Well, the second
• 39:08
  Speaker 3: is not working, then I need to switch it up.
• 39:10
  Speaker 3: Then I need to go figure out. Okay, something is
• 39:12
  Speaker 3: going wrong. Let me go find me another property manager.
• 39:14
  Speaker 3: You know, because you're not able to handle all of this.
• 39:18
  Speaker 5: Project manager. You spoke about that briefly, all right, So
• 39:20
  Speaker 5: the project manager oversees renovation.
• 39:23
  Speaker 3: Yeah, project manager acts as the liaison between you and
• 39:27
  Speaker 3: the contractor.
• 39:28
  Speaker 6: But the last thing you want to do is here.
• 39:30
  Speaker 5: It is.
• 39:30
  Speaker 3: I'm a police officer and I'm out here in the
• 39:34
  Speaker 3: squad car and I'm working, and all of a sudden,
• 39:36
  Speaker 3: I got my guys calling me saying, hey, Jamal, we
• 39:38
  Speaker 3: need you to come over here and tell us if
• 39:41
  Speaker 3: this room is big enough or a Jamal, is this
• 39:44
  Speaker 3: the right pink color? I mean that can get when
• 39:46
  Speaker 3: you're really doing a lot of projects, you know, you
• 39:48
  Speaker 3: need a liaison, somebody in there that knows exactly. I
• 39:51
  Speaker 3: got two different ways that I renovate properties. I keep
• 39:54
  Speaker 3: it simple. I got two different pink colors. They say,
• 39:57
  Speaker 3: this is.
• 39:57
  Speaker 6: Jamal gray and Jamal bage. We got we keep it simple, bro.
• 40:02
  Speaker 3: We got all of the material one location, and so
• 40:05
  Speaker 3: my property manager know, my project manager knows this, knows
• 40:08
  Speaker 3: exactly the light fixtures. So imagine I'm only working with
• 40:12
  Speaker 3: this one. I'm only working with this one person, and
• 40:14
  Speaker 3: then we're going around. I only got to spend this
• 40:16
  Speaker 3: whole month with this person. Like, Okay, these are the
• 40:17
  Speaker 3: type of life fixtures we get. These are the type
• 40:20
  Speaker 3: of This is the type of ceramic Towe marble granted countertops.
• 40:22
  Speaker 3: These are the type of kitchen cabinets. We have all
• 40:25
  Speaker 3: of this already written out. So now when my project
• 40:29
  Speaker 3: manager goes out there and working with my contractors, he
• 40:32
  Speaker 3: knows exactly what it is I want. And in that way,
• 40:35
  Speaker 3: I don't have to spend time.
• 40:36
  Speaker 5: Time.
• 40:37
  Speaker 3: Man, this business is about time, and I didn't get
• 40:40
  Speaker 3: in this business to take away time from my family.
• 40:42
  Speaker 3: I got into it so that I can have more
• 40:44
  Speaker 3: time with my family. And the way to do it,
• 40:46
  Speaker 3: the way to simplify it, is by having the right
• 40:48
  Speaker 3: people in place.
• 40:50
  Speaker 5: So you pay him salary or he gets a percentage.
• 40:52
  Speaker 3: Now he gets a percentage, he gets ten percent of
• 40:55
  Speaker 3: the construction of the costs. So he's ten percent of
• 40:58
  Speaker 3: the construction costs. So the construction budgets one hundred thousand dollars.
• 41:02
  Speaker 3: Not the problem. Not not how much it costs to
• 41:04
  Speaker 3: purchase the property, how much it costs to fix, just
• 41:06
  Speaker 3: to fix the property, it gets ten percent of that okay, attorney, attorney,
• 41:11
  Speaker 3: Oh brouh, yeah, attorney. This is the thing that a
• 41:15
  Speaker 3: lot of people I see in real estate, they make
• 41:16
  Speaker 3: the mistake they they try to cut out attorneys because
• 41:20
  Speaker 3: you technically don't need to have an attorney to purchase
• 41:22
  Speaker 3: a property. You don't have to have an attorney, you know,
• 41:25
  Speaker 3: So people always trying to cut it out. But but
• 41:27
  Speaker 3: attorneys are so important they act they're there to protect you,
• 41:32
  Speaker 3: you know.
• 41:32
  Speaker 5: So I got it.
• 41:33
  Speaker 3: My attorney happens to be my best friend, the one
• 41:35
  Speaker 3: who actually introduced me to his uncle in the beginning.
• 41:38
  Speaker 3: So he's actually my real estate attorney. But you know,
• 41:40
  Speaker 3: he's there to make sure that if there's any problems
• 41:43
  Speaker 3: with my tenants and I do have to go through
• 41:45
  Speaker 3: an eviction, he's working for my best interest with my
• 41:48
  Speaker 3: property manager, and they're working together. And so if real
• 41:51
  Speaker 3: estate is all about your team and having the right
• 41:54
  Speaker 3: team and having them all working together, so I.
• 41:56
  Speaker 2: Mean that's a lot of units, right, So are you
• 41:58
  Speaker 2: doing this in the LLC or is the holding company
• 42:00
  Speaker 2: that's getting them? Because I know some people will take
• 42:02
  Speaker 2: the strategy like every time I get a property. Yeah,
• 42:04
  Speaker 2: I'm gonna create a new LLC so I could keep
• 42:06
  Speaker 2: all the finances straight and everything could be very streamlined.
• 42:09
  Speaker 2: What's the approach that you take when you're obviously, you know,
• 42:12
  Speaker 2: accumulating the units, like.
• 42:13
  Speaker 5: Yes to you all.
• 42:14
  Speaker 3: So if I'm an fix and flip the property, then
• 42:16
  Speaker 3: I just have that in a separate LLC. But if
• 42:18
  Speaker 3: we're keeping them, we have a series LLC. And a
• 42:21
  Speaker 3: series LLC is where each property is its own LLC,
• 42:25
  Speaker 3: but it's under the umbrella of the parent company. And
• 42:28
  Speaker 3: the reason why we do that. Imagine if something happened
• 42:30
  Speaker 3: to we had all of our properties under one LLC.
• 42:33
  Speaker 3: Imagine if we got sued. And I've had this actually
• 42:36
  Speaker 3: happen once before. I hit a guy that was he
• 42:40
  Speaker 3: was visiting one of my tenants and he was on
• 42:42
  Speaker 3: a back porch. He said he was taking the garbage out.
• 42:45
  Speaker 3: He's slipping and felled down the back porch of the property.
• 42:48
  Speaker 3: It was ice on the porch. He grasped hold to
• 42:50
  Speaker 3: the neighbors fence, which he had the spike to the
• 42:53
  Speaker 3: top of the fence. He cut his pinky finger. He
• 42:56
  Speaker 3: got three stitches in his finger, three stitches, and my
• 42:59
  Speaker 3: man was suing for thirty thousand dollars because they were
• 43:02
  Speaker 3: able to see at that time that all my properties
• 43:05
  Speaker 3: was under the same LLC. And so that a lot
• 43:08
  Speaker 3: of times that opens what they call a corporate veil
• 43:10
  Speaker 3: where they can see literally that you have everything under
• 43:12
  Speaker 3: one LLC. And so now it's like, okay. His attorney
• 43:15
  Speaker 3: was like, you know, this guy can afford it. You know,
• 43:18
  Speaker 3: it's got owns all of these different properties as opposed
• 43:21
  Speaker 3: to putting each property on his own series LLC. And
• 43:24
  Speaker 3: then now if that guy sued me, then now he's
• 43:26
  Speaker 3: he only can come after me for you know whatsever
• 43:29
  Speaker 3: in that property as opposed to coming after everything.
• 43:31
  Speaker 5: That I have. He didn't win, by the way, though,
• 43:34
  Speaker 5: but you know it's.
• 43:34
  Speaker 2: Why he got the attorney.
• 43:35
  Speaker 5: Yeah, got the attorney.
• 43:36
  Speaker 6: So attorneys.
• 43:38
  Speaker 5: So all right, you got seventeen properties in fifteen months,
• 43:42
  Speaker 5: at one.
• 43:42
  Speaker 3: Point, seventeen properties in fifteen months. No, we got we
• 43:45
  Speaker 3: just got one hundred and thirty.
• 43:49
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  Speaker 2: This episode is brought to you by P and C Bank.
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• 45:40
  Speaker 7: Coach, the energy out there felt different. What changed for
• 45:42
  Speaker 7: the team today?
• 45:43
  Speaker 3: It was the new game day scratches from the California
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  Speaker 3: Lottery players.
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  Speaker 5: Everything.
• 45:47
  Speaker 6: Those games sent the team's energy through the roof.
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  Speaker 7: Are you saying it was the off field play that
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  Speaker 7: made the difference on the field.
• 45:52
  Speaker 6: Hey, little play makes your day, and today it made
• 45:55
  Speaker 6: the game. That's all for now, Coach.
• 45:57
  Speaker 7: One more question play than new Los Angeles Chargers, San
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• 46:07
  Speaker 7: pay responsibily. Must be eighteen years or older to purchase
• 46:09
  Speaker 7: plate or claim he's.
• 46:10
  Speaker 3: Got one hundred and thirty units. Just recently, yeah, just recently,
• 46:14
  Speaker 3: we just bought one hundred and thirty unit porfolio.
• 46:15
  Speaker 5: The portfolio that was the portfolio. So we'll talk about
• 46:18
  Speaker 5: buying a portfolio. What made you want to buy start
• 46:22
  Speaker 5: buying a portfolio and how does that different for people
• 46:25
  Speaker 5: in buying just regular.
• 46:26
  Speaker 3: And yeah, so if you look at what's going on
• 46:28
  Speaker 3: in an economy today, people are talking about prices are
• 46:31
  Speaker 3: going up with properties, which they are, you know, they've
• 46:33
  Speaker 3: been going up for a while. But all of these
• 46:36
  Speaker 3: properties that the banks were foreclosing on now so now
• 46:40
  Speaker 3: banks are left with just blocks and blocks of properties, right,
• 46:44
  Speaker 3: and so the banks now left with all of when
• 46:46
  Speaker 3: people wasn't paying rent over this whole time. So now
• 46:48
  Speaker 3: the banks have foreclosed on these properties, and so now
• 46:50
  Speaker 3: they got all of these different properties in they ario list.
• 46:53
  Speaker 3: And so here it is, the banks have these properties
• 46:56
  Speaker 3: and they're not selling them individually, and so they're selling
• 46:59
  Speaker 3: them as groups of properties. And so if you want
• 47:01
  Speaker 3: to buy them, they're saying, let's say it's ten properties
• 47:04
  Speaker 3: in this portfolio, you have to buy all ten. But
• 47:07
  Speaker 3: when you buy all of the properties, you can leverage
• 47:09
  Speaker 3: your money by buying all of this and get these
• 47:11
  Speaker 3: properties fifty cent on the dollar. And so that's the
• 47:14
  Speaker 3: new game now so it's like, okay, cool, let me
• 47:16
  Speaker 3: go buy portfolios as opposed to buy individual properties in
• 47:19
  Speaker 3: the market. Right now, when you're going out by individual properties,
• 47:22
  Speaker 3: the market is saturated. You might have ten fifteen other
• 47:25
  Speaker 3: people trying to buy the same property. But when you're
• 47:28
  Speaker 3: buying a portfolio, many people can't come out there and
• 47:31
  Speaker 3: spend This portfolio costs US six point eight million dollars.
• 47:34
  Speaker 3: So this portfolio cost six point eight million dollars ahead
• 47:36
  Speaker 3: an ARV, minding an a three pair of value on
• 47:39
  Speaker 3: this once these properties were all fixed up and hit
• 47:41
  Speaker 3: an ARV of twenty point one million dollars. And so,
• 47:44
  Speaker 3: but most people can't afford to pay six point eight
• 47:47
  Speaker 3: million dollars for one hundred and thirty units. And so
• 47:50
  Speaker 3: at that point I was able to leverage my cash
• 47:52
  Speaker 3: and now we got over one hundred and thirty units
• 47:54
  Speaker 3: at one time just by buying the whole group of properties.
• 47:58
  Speaker 5: And they were all in Chicago. How do you even
• 47:59
  Speaker 5: find You just talk to the bank and ask them, or.
• 48:02
  Speaker 3: Yeah, they're actually some of them now they're putting porfolios
• 48:04
  Speaker 3: on the market, on the market. Yeah, you actually got
• 48:06
  Speaker 3: portfolios that's on the market now. But like I said,
• 48:08
  Speaker 3: there's only a small few people that can afford it.
• 48:10
  Speaker 3: And don't get me wrong, they got portfolios that you know,
• 48:13
  Speaker 3: five properties, it could be a tenth property portfolio. I've
• 48:16
  Speaker 3: seen three hundred property portfolios. You know, they are all
• 48:19
  Speaker 3: types of portfolios out here. Some of them you can
• 48:21
  Speaker 3: get through your real estate brokers. Some of them you
• 48:24
  Speaker 3: might get from you know, your banks. You know, you
• 48:26
  Speaker 3: can go to the bank and ask them, you have
• 48:28
  Speaker 3: a relationship with the bank, you know, what, where's your
• 48:30
  Speaker 3: rio list? And then a lot of you know banks
• 48:33
  Speaker 3: that give you that list if you have a relationship.
• 48:35
  Speaker 3: A lot of times they keep them you know, hush hush,
• 48:37
  Speaker 3: but yeah, exactly right. They're not just telling everybody. But yeah,
• 48:41
  Speaker 3: so that's the new game. And so a lot of
• 48:43
  Speaker 3: these properties you were coming in and getting them fifty
• 48:45
  Speaker 3: cents on the dollar.
• 48:46
  Speaker 6: So I tell people, you got to change. That's the
• 48:48
  Speaker 6: market changes.
• 48:49
  Speaker 3: You have to change your strategy on how you're actually
• 48:51
  Speaker 3: getting your your properties.
• 48:53
  Speaker 2: The more you know you said something, and it's very important,
• 48:56
  Speaker 2: your level of exposure will determine your level of success.
• 48:59
  Speaker 2: And so as you're on this journey, I wonder who
• 49:02
  Speaker 2: and what rooms are you going into to learn more, right,
• 49:05
  Speaker 2: because you said you didn't really know anything in real estate,
• 49:07
  Speaker 2: but you have to learn it. So who are you
• 49:09
  Speaker 2: being exposed to that is giving you the lessons in
• 49:12
  Speaker 2: the game in real estate? And then on the other side,
• 49:14
  Speaker 2: it's like a double ass question as you're growing the portfolio,
• 49:17
  Speaker 2: right and you're still a police officer, your officer.
• 49:20
  Speaker 5: King no, no, I'm not a police officer.
• 49:22
  Speaker 2: No no, no, no, I'm saying not now. Yeah, I know
• 49:25
  Speaker 2: twenty nineteen we said we're done right as you're doing it, Yeah,
• 49:28
  Speaker 2: I'm sure your colleagues are looking at you like, hey,
• 49:30
  Speaker 2: we're going to watch the game at the law's house
• 49:32
  Speaker 2: and they're like, wait, how is he doing? Are they
• 49:35
  Speaker 2: now looking at you to be a mentor? Like your
• 49:36
  Speaker 2: colleagues is looking into you like how's that work? So
• 49:38
  Speaker 2: you're getting are you getting advice from somebody? And then
• 49:41
  Speaker 2: now are you giving it?
• 49:43
  Speaker 5: Yeah?
• 49:43
  Speaker 3: So back then, bru it wasn't many people that I
• 49:47
  Speaker 3: could go to. It was kind of like I was
• 49:49
  Speaker 3: a pioneer in my area right in the police department.
• 49:54
  Speaker 3: It wasn't any other multimillion dollar police officers out there
• 49:57
  Speaker 3: buying real estate that I know of, And so I
• 49:59
  Speaker 3: was going through doors and uncharted waters. You know, I
• 50:03
  Speaker 3: was one of the first people that I know of
• 50:05
  Speaker 3: that was actually just going out here buying up all
• 50:07
  Speaker 3: this real estate, and so they had your level of
• 50:09
  Speaker 3: exposure with the terminal level of success.
• 50:13
  Speaker 6: I got exposed to the type of life.
• 50:15
  Speaker 3: That I wanted from a friend of mine, you know,
• 50:18
  Speaker 3: that was actually an NFL guy, and so he was
• 50:21
  Speaker 3: the one that was playing in an NFL that showed.
• 50:23
  Speaker 5: Me what money really looked like like.
• 50:26
  Speaker 6: I had no clue.
• 50:27
  Speaker 3: If it was up to me, if I never would
• 50:28
  Speaker 3: have got exposed to him, I would have probably just
• 50:30
  Speaker 3: been a million dollar cop living in a basic house,
• 50:35
  Speaker 3: right driving a basic cop, because I didn't know any different.
• 50:38
  Speaker 3: It wasn't until I seen him living in a ten
• 50:40
  Speaker 3: thousand square foot house. Bro Phillis man, I'm a police
• 50:43
  Speaker 3: officer making thirty six thousand dollars. This friend of mine
• 50:45
  Speaker 3: was my college teammate, and he was living in a
• 50:47
  Speaker 3: ten thousand score foot house. And when I saw this,
• 50:50
  Speaker 3: it left an impression on me. I mean just it
• 50:53
  Speaker 3: did something to me that I promise you still burns
• 50:56
  Speaker 3: in me today. Because I couldn't even afford at the
• 50:59
  Speaker 3: time to take my wife to Sizzler. You know, I'm
• 51:02
  Speaker 3: not talking about the real you know, restaurant, talking about
• 51:04
  Speaker 3: I couldn't have. It was things that I couldn't afford
• 51:06
  Speaker 3: to do, and I was still living, you know, in
• 51:10
  Speaker 3: my parents' house. And it wasn't until I got that exposure, right,
• 51:13
  Speaker 3: And that's what this whole your level of exposure to
• 51:15
  Speaker 3: termin your love of success. I was seeing, like when
• 51:18
  Speaker 3: I went to go visit him, the first time I
• 51:20
  Speaker 3: seen little kids they had. They were walking to school,
• 51:23
  Speaker 3: and everybody that was walking to school head on the
• 51:25
  Speaker 3: plat outfit. And I was like, what is it about
• 51:28
  Speaker 3: these plaid outfits? Nobody in Chicago's wearing plaid outfits because
• 51:30
  Speaker 3: you went to public school. These kids, though, all he
• 51:33
  Speaker 3: had these plaid outfits, and I was like, man, they
• 51:35
  Speaker 3: go to private school.
• 51:36
  Speaker 6: I took that image.
• 51:38
  Speaker 3: I didn't even know the type of school that I
• 51:39
  Speaker 3: wanted my kids to go to, but I knew that
• 51:41
  Speaker 3: whatever school it.
• 51:42
  Speaker 6: Was, they better be wearing plaid outfits.
• 51:45
  Speaker 2: You know.
• 51:45
  Speaker 3: I knew that I didn't have a vision of like
• 51:48
  Speaker 3: a house for myself. I took that image of the
• 51:51
  Speaker 3: ten thousand score foot house and then unconsciously, because I
• 51:54
  Speaker 3: was exposed to that unconsciously. Now I got a twenty
• 51:58
  Speaker 3: thousand score foot house and I had to twenty thousand
• 52:00
  Speaker 3: score for the house as a police officer.
• 52:02
  Speaker 2: That that that's twenty thousand feature, Bruh.
• 52:06
  Speaker 3: I had a twenty thousand score for the house as
• 52:08
  Speaker 3: a police officer. And I'll be careful to I never
• 52:11
  Speaker 3: really even showed my house on social media because I'm
• 52:13
  Speaker 3: not I didn't.
• 52:13
  Speaker 6: Do it for the ground.
• 52:15
  Speaker 3: I wasn't doing it for other people, broh. I just
• 52:17
  Speaker 3: remembered that that that whole thing where I.
• 52:21
  Speaker 6: Just want more.
• 52:22
  Speaker 3: I come from a family a blue collar people, and
• 52:25
  Speaker 3: it's just like I've seen people rub work. I've seen
• 52:28
  Speaker 3: people work twenty thirty years and never have thinking that
• 52:32
  Speaker 3: they live in life, you know, thinking that they really
• 52:34
  Speaker 3: live in.
• 52:34
  Speaker 6: Life, brub.
• 52:35
  Speaker 3: But it wasn't until I realized it's really started living
• 52:37
  Speaker 3: life to notice, to really understand that people really wasn't living.
• 52:41
  Speaker 6: And so I said, like, I want to have my
• 52:44
  Speaker 6: family experience experienced.
• 52:46
  Speaker 3: All the real the real life experience what it feels
• 52:50
  Speaker 3: like to be a in a twenty thousand score for
• 52:52
  Speaker 3: the house with an indoor swimming pool, to be in
• 52:54
  Speaker 3: a twenty thousand school house with indoor basketball court, with
• 52:57
  Speaker 3: indoor bro.
• 52:58
  Speaker 6: I got to the point we put a nightclub on
• 52:59
  Speaker 6: the top floor of a house.
• 53:01
  Speaker 3: It's a literal just because I wanted my wife and
• 53:03
  Speaker 3: not to be able to be able to have friends
• 53:06
  Speaker 3: come over and go experience that life, you know, in
• 53:08
  Speaker 3: the night.
• 53:08
  Speaker 6: And we were doing all this.
• 53:10
  Speaker 3: I was leaving work in my police uniform going over
• 53:13
  Speaker 3: to imagining my coworkers coming to this house and I'm
• 53:17
  Speaker 3: still working just like them, you know, I'm a police officer,
• 53:21
  Speaker 3: just like them. And what it did was unconsciously, it
• 53:24
  Speaker 3: made them say that they want to they want to
• 53:26
  Speaker 3: go to the next level too. I never told people
• 53:28
  Speaker 3: that they need to get in real estate. I wasn't
• 53:30
  Speaker 3: that type of person that's like, hey man, you need
• 53:32
  Speaker 3: to get real estate, you need to do this, you
• 53:33
  Speaker 3: need to do that.
• 53:33
  Speaker 2: No.
• 53:34
  Speaker 3: I would just showed them. I would show them what
• 53:37
  Speaker 3: real estate could do. And I think that's what people
• 53:39
  Speaker 3: go wrong get you you're not making it real. I
• 53:43
  Speaker 3: made real estate real to the point where I was like,
• 53:45
  Speaker 3: look this phenomenal life that I got.
• 53:47
  Speaker 6: It didn't come from promotion. Bro. The average promotion.
• 53:51
  Speaker 3: On my job was like seven thousand dollars and then
• 53:54
  Speaker 3: you gotta work five years in at one position to
• 53:57
  Speaker 3: go to the next grade. And then if you have
• 54:00
  Speaker 3: to get promoted, if you was lucky enough, you was
• 54:01
  Speaker 3: only making like seven thousand dollars where I would buy
• 54:05
  Speaker 3: one property every time they gave a promotional test, I
• 54:08
  Speaker 3: would buy one property, and that one property would make
• 54:10
  Speaker 3: me a minimum of two thousand dollars net cash flow
• 54:13
  Speaker 3: every single month. So that was twenty four thousand dollars.
• 54:16
  Speaker 3: By the time that I was twenty six years old,
• 54:19
  Speaker 3: I was making more than almost every position I could
• 54:22
  Speaker 3: have got promoted to in the police department. I saved
• 54:24
  Speaker 3: ten years of my life from promotion. And what does
• 54:28
  Speaker 3: that do to you? That exposure level that you're talking about,
• 54:31
  Speaker 3: What does that do like during that time period where
• 54:34
  Speaker 3: person is waiting to get promoted, What if that promotion
• 54:36
  Speaker 3: ever happens for you?
• 54:38
  Speaker 6: What are you doing with your life?
• 54:39
  Speaker 3: People talk about promotion, bro, like they talk about the
• 54:42
  Speaker 3: lot mega millions. Remember when they just hit the billion
• 54:44
  Speaker 3: dollar lottery and everybody was talking about what they would
• 54:46
  Speaker 3: do if they won. Oh, man, I would live here,
• 54:49
  Speaker 3: man if I want that lottery, bro, Man, I would dry.
• 54:51
  Speaker 6: This, I would get this.
• 54:52
  Speaker 3: I would do that, bru People do that same thing
• 54:55
  Speaker 3: with promotion on the job where they were talking about,
• 54:58
  Speaker 3: you know, if they get promoted, they're gonna send they
• 54:59
  Speaker 3: care kids to this school. If they get promoted, they
• 55:02
  Speaker 3: would retire their spouse to live in this kind of house.
• 55:05
  Speaker 3: I was showing them that you did not have to
• 55:07
  Speaker 3: wait for promotion. You was literally one proper year way.
• 55:11
  Speaker 3: So I was exposing them in that kind of way.
• 55:13
  Speaker 3: And then I had police officers now ask me, Jay,
• 55:16
  Speaker 3: how do you do it? How did you do it?
• 55:18
  Speaker 5: And I just.
• 55:18
  Speaker 3: Literally bro would show them, Brouh, this property can take
• 55:22
  Speaker 3: care of this in your life.
• 55:24
  Speaker 6: Like Bruh, you.
• 55:25
  Speaker 3: Sitting here, you've been on this job for twenty years
• 55:27
  Speaker 3: and you're still in the same position. You took ten
• 55:29
  Speaker 3: promotional tests and never got promoted. Look at everything you
• 55:32
  Speaker 3: done missed out on in life. I remember when you
• 55:35
  Speaker 3: first started working with me and you were saying you
• 55:37
  Speaker 3: was gonna send your kids to private school. The second
• 55:39
  Speaker 3: you got promoted. You never got promoted to your kids
• 55:41
  Speaker 3: never went to private school. And it's like, brother, you
• 55:44
  Speaker 3: can't put your life on hold. So I would expose
• 55:47
  Speaker 3: them in that kind of way, and in now, and
• 55:49
  Speaker 3: my closest friends especially, they all got real estate and
• 55:53
  Speaker 3: they're all now living that type of life. They've been
• 55:55
  Speaker 3: exposed to that. So but I can't say that. You know,
• 55:58
  Speaker 3: it was other people like my friend as uncle that
• 56:01
  Speaker 3: showed me things, but it was also my friend who
• 56:04
  Speaker 3: he just showed me exactly that I knew I couldn't
• 56:06
  Speaker 3: play in the NFL right that door was closed.
• 56:09
  Speaker 6: But he showed me what it looked like. It gave
• 56:11
  Speaker 6: me something to work towards.
• 56:13
  Speaker 3: And I think that that's why exposure is so pivotal
• 56:16
  Speaker 3: in people lives, bro, Like you got to step outside
• 56:19
  Speaker 3: of your surroundings.
• 56:20
  Speaker 6: You got to know what you're working for.
• 56:22
  Speaker 3: And people just go to work every single day without
• 56:25
  Speaker 3: like without setting a bar for theirself, like.
• 56:27
  Speaker 6: Knowing why they doing what they doing. Like life is short, bro.
• 56:30
  Speaker 3: I done work with people now, not even just the
• 56:33
  Speaker 3: people I worked with on the police department for seven years.
• 56:36
  Speaker 3: I worked as the wagon person. I literally drove around
• 56:40
  Speaker 3: the city of Chicago. We talked about my district. I
• 56:42
  Speaker 3: drove around the city of Chicago, and my only responsibility
• 56:45
  Speaker 3: was putting bodies and body bigs. I literally it was
• 56:48
  Speaker 3: so many people that got killed so many people got
• 56:51
  Speaker 3: killed that year. My only job was to work the
• 56:53
  Speaker 3: meat wagon and we would drive around the city of
• 56:55
  Speaker 3: Chicago and put bodies and body beigs and it's like
• 56:58
  Speaker 3: bro the bodies that we put in we had to
• 57:00
  Speaker 3: go through their pockets. We had to like literally before
• 57:03
  Speaker 3: we took them to the more, we had to inventory
• 57:06
  Speaker 3: whatever they had in their pockets. And it was people
• 57:08
  Speaker 3: that was in there, the head paycheck, stubbs, that was uncash.
• 57:11
  Speaker 6: Movie tickets.
• 57:13
  Speaker 3: They had all these different things in their pockets because
• 57:16
  Speaker 3: they did not know that they were gonna die. And
• 57:18
  Speaker 3: now it did something to me at that moment where
• 57:20
  Speaker 3: I was just like, Bruh, I have to live life
• 57:23
  Speaker 3: while I'm still alive. You don't know how much time
• 57:26
  Speaker 3: you actually have. And for me, bru that that exposure
• 57:30
  Speaker 3: just made me. It was exposure from a good way,
• 57:33
  Speaker 3: right from my friend to exposure of seeing people pass
• 57:35
  Speaker 3: away at young ages, and that did something to me
• 57:38
  Speaker 3: and said, I have to live different. I don't know
• 57:40
  Speaker 3: how much time I got left, but whatever time I
• 57:43
  Speaker 3: have left, I'm gonna do what I got to do
• 57:45
  Speaker 3: for my family while I'm still here and I don't
• 57:47
  Speaker 3: have to be you know, I think people got the
• 57:48
  Speaker 3: misconception where they think that you have to be talented.
• 57:52
  Speaker 3: They think that you have to you know, hit it
• 57:55
  Speaker 3: big or or you know, become a you know, play basketball,
• 57:59
  Speaker 3: play football, you know that we do in our community,
• 58:01
  Speaker 3: become a rapper.
• 58:02
  Speaker 5: Bruh.
• 58:02
  Speaker 6: The playing field is even.
• 58:04
  Speaker 5: I looked at real estate.
• 58:04
  Speaker 6: That's something that everybody can do. It's simple.
• 58:07
  Speaker 5: So I'm saying that, how do you turn nine to
• 58:10
  Speaker 5: five money into real estate wealth?
• 58:12
  Speaker 3: How do you turn nine to five money to real
• 58:14
  Speaker 3: estate wealth? You invest one property at a time. You
• 58:17
  Speaker 3: pay yourself first. You take that money. You understand, you know,
• 58:22
  Speaker 3: a lot of people they find ways to save up for,
• 58:24
  Speaker 3: you know, for emergency fund. People need to understand that
• 58:29
  Speaker 3: you are every day is an emergency. Every day that
• 58:33
  Speaker 3: you're alive is an emergency. You don't have time anymore.
• 58:35
  Speaker 3: You take that money, you save up for your first
• 58:38
  Speaker 3: down payment on your investment property. You do it one
• 58:42
  Speaker 3: property at time. I didn't go buy three hundred and
• 58:44
  Speaker 3: eighty units all at one time. I did this over
• 58:46
  Speaker 3: the last twenty years, and I had a building to
• 58:50
  Speaker 3: cover every single expense in my life, as opposed to
• 58:53
  Speaker 3: depending on my paycheck on my job. If you depend
• 58:56
  Speaker 3: on your pay and I don't brother. You gotta really
• 58:58
  Speaker 3: think about this. JA paid you one hundred percent of
• 59:01
  Speaker 3: your salary while you're working, right when you're retire. I've
• 59:05
  Speaker 3: never seen a company to pay you still one hundred
• 59:07
  Speaker 3: percent in retirement. And I never heard of a person
• 59:10
  Speaker 3: say that one hundred percent of my money was enough.
• 59:12
  Speaker 3: So if you're working in one hundred percent of your
• 59:14
  Speaker 3: salary is not enough for you to live the way
• 59:16
  Speaker 3: you want to live, then what makes you think you're
• 59:18
  Speaker 3: gonna retire and then all of a sudden that's gonna
• 59:20
  Speaker 3: be enough money for you to live like you have to.
• 59:23
  Speaker 3: Your job is not meant to you for you to
• 59:25
  Speaker 3: live one. Your job is meant for you to use
• 59:27
  Speaker 3: that money to leverage it to invest so that you
• 59:30
  Speaker 3: can create the life that you want to live from
• 59:32
  Speaker 3: your investments.
• 59:33
  Speaker 2: That you said something about the daycare, and it just
• 59:38
  Speaker 2: strugled me because I remember the cost for daycare I
• 59:41
  Speaker 2: have two children paying it, and then realizing sometimes it
• 59:44
  Speaker 2: could be subsidized. But then I thought, I started thinking,
• 59:46
  Speaker 2: like McDonald's understands so of like most people think it's
• 59:48
  Speaker 2: a fast food restaurant, but it's really a real estate play,
• 59:51
  Speaker 2: and so the daycare is do you own the properties obviously,
• 59:55
  Speaker 2: so it's a real estate play and as a business
• 59:57
  Speaker 2: inside of it. Correct, And then are some of the
• 1:00:00
  Speaker 2: like obviously you have people coming in or is it
• 1:00:03
  Speaker 2: government funded as well part of it? How does that work?
• 1:00:06
  Speaker 3: So the great part about it was, like I said,
• 1:00:08
  Speaker 3: you have to look at the ecosystem that you have.
• 1:00:11
  Speaker 3: So so, because my daycare center is in the inner city,
• 1:00:14
  Speaker 3: you know, Inglewood, right, most of my parents are I
• 1:00:18
  Speaker 3: think eighty Now I've take that back. Ninety percent of
• 1:00:20
  Speaker 3: our parents are single parents. And when they're filling out
• 1:00:25
  Speaker 3: because they're getting their subsidies, it's just like having Section
• 1:00:27
  Speaker 3: eight and it's sometimes it's the same qualifications, same income.
• 1:00:32
  Speaker 3: So when my wife would have them fill out their
• 1:00:34
  Speaker 3: their paperwork to get child care, to get free child care, right,
• 1:00:38
  Speaker 3: I would actually look at their paperwork and then I
• 1:00:41
  Speaker 3: would see that these same people qualify for Section eight.
• 1:00:44
  Speaker 5: Where do you live? Hey, where do you live?
• 1:00:46
  Speaker 2: Now?
• 1:00:46
  Speaker 3: Here? It is much income everything now here. It is
• 1:00:50
  Speaker 3: you're putting your child in my daycare. So you trust me,
• 1:00:52
  Speaker 3: you trust us, So if you trust us with your child,
• 1:00:55
  Speaker 3: you definitely trust us where you live.
• 1:00:58
  Speaker 6: So now here it is you've live in the commune unity.
• 1:01:00
  Speaker 3: Because most parents they want to, you know, have a
• 1:01:01
  Speaker 3: club daycare center that's close to where they live.
• 1:01:04
  Speaker 6: So I would fix up a property. I would go.
• 1:01:06
  Speaker 3: Buy properties all around a one mile radius of my
• 1:01:09
  Speaker 3: daycare centers. And then not only would I rent to
• 1:01:12
  Speaker 3: a police offer, and I rent not only would I
• 1:01:13
  Speaker 3: have you know, police officers in my daycare center, but
• 1:01:16
  Speaker 3: I would have my teachers.
• 1:01:17
  Speaker 6: Right, I would rent to the teacher staff. They would
• 1:01:19
  Speaker 6: be right there in the same community.
• 1:01:21
  Speaker 3: I don't have to convince them to live in the
• 1:01:23
  Speaker 3: community because they are already from the community.
• 1:01:25
  Speaker 6: And so I would go put pictures.
• 1:01:27
  Speaker 3: We have this on parent board up right that always
• 1:01:29
  Speaker 3: talks about like field trips and different things about the childcare.
• 1:01:33
  Speaker 3: I would put properties up, you know, nice pictures with
• 1:01:36
  Speaker 3: fresh paint on the walls and different rehabs, and I
• 1:01:38
  Speaker 3: would put there for a rent. And knew that parents
• 1:01:40
  Speaker 3: are already had Section eight and so we knew that
• 1:01:43
  Speaker 3: would be guaranteed money. So here is we got one
• 1:01:45
  Speaker 3: hundred parents. I was working with fifteen thousand cops. We
• 1:01:49
  Speaker 3: got one hundred parents in our daycare centers. These are
• 1:01:52
  Speaker 3: also one hundred renters that need a place to stay.
• 1:01:57
  Speaker 2: Brilliant, brilliant.
• 1:01:58
  Speaker 5: So, all right, situation, where is the qualification start a daycare?
• 1:02:03
  Speaker 5: You have to get like certified by the state. You
• 1:02:05
  Speaker 5: have to, yeah, have like and what kind of buildings
• 1:02:08
  Speaker 5: did you turn You say you turned the church into
• 1:02:09
  Speaker 5: a daycare?
• 1:02:10
  Speaker 6: Yeah, first Decadre Center, it was a church.
• 1:02:12
  Speaker 5: You own the church.
• 1:02:13
  Speaker 3: I bought the church was in foreclosure and so I
• 1:02:17
  Speaker 3: bought the church and then we turned it into a
• 1:02:19
  Speaker 3: daycare center.
• 1:02:20
  Speaker 5: So all right, so yeah, what's the qualification? You got
• 1:02:23
  Speaker 5: to get teachers certified? Like, yeah, So as far.
• 1:02:26
  Speaker 3: As the qualifications to own the center, you know, you
• 1:02:29
  Speaker 3: definitely first have to have the location. You don't have
• 1:02:31
  Speaker 3: to own the location, but you have to have a location.
• 1:02:33
  Speaker 3: And then you have to take a one day class.
• 1:02:36
  Speaker 3: And you have this thing that's called my wife calls
• 1:02:38
  Speaker 3: it the Bible of child care, and it breaks down
• 1:02:40
  Speaker 3: every single thing that you need, all of the qualifications
• 1:02:43
  Speaker 3: that you need, what your staff needs. You have a
• 1:02:47
  Speaker 3: formula to how many children you can have in the place.
• 1:02:50
  Speaker 3: You know, it's like thirty five scuore flip per each child,
• 1:02:52
  Speaker 3: depending on the age group of the child. You have
• 1:02:55
  Speaker 3: to have a certain amount of bathrooms in there, and
• 1:02:57
  Speaker 3: so they come in. It's just like section eight where
• 1:02:58
  Speaker 3: they come in inspect the property and they tell you
• 1:03:01
  Speaker 3: exactly how many kids you're going to be able to
• 1:03:03
  Speaker 3: have in this daycare center and you go to that
• 1:03:05
  Speaker 3: one day licensing class. And then now you have to
• 1:03:08
  Speaker 3: have certified staff, so you have to make sure that
• 1:03:10
  Speaker 3: your staff. And they've changed it over years. Now is
• 1:03:14
  Speaker 3: a bachelor's degree for your director. Before it was just
• 1:03:18
  Speaker 3: you know, they just needed two years of early childhood education.
• 1:03:21
  Speaker 2: Yeah, I was just gonna say two years of early
• 1:03:23
  Speaker 2: childhood education. Now, yeah, they've obviously changed it. So how
• 1:03:26
  Speaker 2: many daycares do we have? Now? Obviously you started with
• 1:03:28
  Speaker 2: the church. How many in the portfolio?
• 1:03:31
  Speaker 3: Yes, so we got four daycares, four houses. No, no,
• 1:03:35
  Speaker 3: they're all commercial commercial building. Yeah, they're all commercial buildings.
• 1:03:37
  Speaker 3: So our first one was a church that we turned
• 1:03:40
  Speaker 3: into a daycare center. The one, our second one was
• 1:03:42
  Speaker 3: right across the street, that was cleaners, that was the
• 1:03:46
  Speaker 3: dragt cleaners that we turned into a daycare center. The
• 1:03:48
  Speaker 3: third one was an existing daycare center that was shut
• 1:03:51
  Speaker 3: down for three years. And then the fourth one is
• 1:03:54
  Speaker 3: is in a one half senior home another half apartment
• 1:03:57
  Speaker 3: complex is two hundred and thirty seven unit building. We
• 1:04:01
  Speaker 3: don't own the building, but we actually have. We owned
• 1:04:03
  Speaker 3: the daycare center inside of the building.
• 1:04:06
  Speaker 5: And what's the ages.
• 1:04:08
  Speaker 3: For the kids zero to six years old? Six weeks
• 1:04:10
  Speaker 3: to six years old? So what do you have the
• 1:04:12
  Speaker 3: kids doing? Just like playing with toyson?
• 1:04:14
  Speaker 6: Oh no, we have a curriculum yeah yeah, oh yeah,
• 1:04:17
  Speaker 6: learning center.
• 1:04:17
  Speaker 5: Yeah yeah, no, it's.
• 1:04:18
  Speaker 3: Actually a curriculum that we actually have for that you're teaching, yeah, absolutely, yeah, yeah, yeah,
• 1:04:23
  Speaker 3: so we're teaching them, you know.
• 1:04:25
  Speaker 6: Yeah, it's just like you having any preschool. It's just
• 1:04:28
  Speaker 6: it's just it's.
• 1:04:28
  Speaker 2: Preschool, y'all offering like all day pre k types yep.
• 1:04:32
  Speaker 3: And at one point we shut it down before COVID,
• 1:04:34
  Speaker 3: but at one point we had twenty four hours, oh
• 1:04:36
  Speaker 3: for the cops and stuff. Yeah, for the cops, for
• 1:04:38
  Speaker 3: firemen and things like that. And it's crazy because it's
• 1:04:41
  Speaker 3: the same building.
• 1:04:42
  Speaker 6: So they gave it.
• 1:04:42
  Speaker 3: If they gave us one hundred kids license for daytime care,
• 1:04:46
  Speaker 3: then you also get one hundred kid license for night
• 1:04:48
  Speaker 3: time care, and so you're doubling your revenue just off
• 1:04:52
  Speaker 3: of the same facility.
• 1:04:54
  Speaker 2: Are you looking to scale that because I'm thinking, like,
• 1:04:56
  Speaker 2: obviously you have four, you don't really need marketing because
• 1:04:59
  Speaker 2: it's the ecosystem is with them. Are you looking to
• 1:05:01
  Speaker 2: scale it outside of four? You're trying to add more
• 1:05:03
  Speaker 2: to it?
• 1:05:03
  Speaker 3: What we were at one point we were you know,
• 1:05:05
  Speaker 3: at one point, man, I had this bright idea. I
• 1:05:07
  Speaker 3: was like, look, man, we making one hundred thousand dollars
• 1:05:08
  Speaker 3: per daycare center. I was telling my wife, Man, we
• 1:05:10
  Speaker 3: get ten daycare centers the same kind of size and
• 1:05:13
  Speaker 3: can hold the same amount of kids. I said, bro,
• 1:05:15
  Speaker 3: we're gonna make a million dollars a month. Man, we
• 1:05:17
  Speaker 3: can make a million dollars a month. And my wife
• 1:05:18
  Speaker 3: was on board with it. She was like, Oh, let's
• 1:05:20
  Speaker 3: do it. And then all of a sudden, man, we
• 1:05:22
  Speaker 3: had about five hundred kids and my wife was like, oh,
• 1:05:26
  Speaker 3: it's a lot to manage it. It was a lot.
• 1:05:28
  Speaker 3: And then you're not talking about real estate, right. Real
• 1:05:32
  Speaker 3: estate is a little bit different. It's a property. It's
• 1:05:34
  Speaker 3: a building. You know, people go there, they live there,
• 1:05:37
  Speaker 3: they take care of their own self. You don't even
• 1:05:38
  Speaker 3: have to see your tenants until it's time to pay rent.
• 1:05:40
  Speaker 3: And now they got it where you can just send it.
• 1:05:42
  Speaker 3: You know, you could just vemo or whatever, just send
• 1:05:44
  Speaker 3: the money cash out. But when you're talking about people's children,
• 1:05:48
  Speaker 3: it's a little bit different.
• 1:05:49
  Speaker 4: Man.
• 1:05:50
  Speaker 3: It was just like it became to the point we
• 1:05:51
  Speaker 3: had little kids in there having seizures sometimes medical conditions.
• 1:05:57
  Speaker 3: You know, it just got to the point where it's like, Okay,
• 1:05:59
  Speaker 3: this is a little bit different type of business. And
• 1:06:01
  Speaker 3: my wife kind of was And she's the one that's
• 1:06:03
  Speaker 3: you know, runs the day to day. I'm the visionary. Remember,
• 1:06:05
  Speaker 3: I'm the one to come up with the vision. I
• 1:06:07
  Speaker 3: could start any business. But my wife was the one
• 1:06:09
  Speaker 3: to say, okay, let me be the one to manage
• 1:06:11
  Speaker 3: the day to day. And she kind of was like,
• 1:06:14
  Speaker 3: you know, we don't need to scale it too much,
• 1:06:16
  Speaker 3: Like this is comfortable for me. Anything over this is
• 1:06:19
  Speaker 3: going to start feeling like a job.
• 1:06:21
  Speaker 2: So four hundredousand a.
• 1:06:23
  Speaker 5: Month, Yeah, good business. Thirty six grand i bu Befull
• 1:06:29
  Speaker 5: Tax Security company. Yeah all right, how did that get started?
• 1:06:34
  Speaker 5: And what's the what's the scope on that? Yeah?
• 1:06:37
  Speaker 3: So my brother working like my brother brother had my
• 1:06:41
  Speaker 3: brother in the newspaper one time as making one of
• 1:06:43
  Speaker 3: the top I think he's in the top five highest
• 1:06:45
  Speaker 3: state employees in the state.
• 1:06:47
  Speaker 5: He was a cop.
• 1:06:48
  Speaker 3: He still is a cop. Yeah, my brother still is
• 1:06:50
  Speaker 3: a cop. He has what about eighteen months left before retirement.
• 1:06:53
  Speaker 3: Shout out to Tommy. And they had my brother in
• 1:06:55
  Speaker 3: the newspaper as one of the highest paid state employees
• 1:06:58
  Speaker 3: because my brother was making over a three hundred fifty
• 1:07:00
  Speaker 3: thousand dollars as a cop. How overtime His base salary
• 1:07:03
  Speaker 3: is probably about one hundred and thirty and then the
• 1:07:06
  Speaker 3: rest was all overtime. My brother was working that much.
• 1:07:09
  Speaker 3: He's just a hustle. I don't have it in me.
• 1:07:11
  Speaker 3: I mean, he was literally that type of person that
• 1:07:13
  Speaker 3: can just work three or four different job he gets
• 1:07:15
  Speaker 3: off work work for the state. They allow cops to work,
• 1:07:18
  Speaker 3: you know, over time for them. And then he was
• 1:07:20
  Speaker 3: doing like other part time things and like sporting events
• 1:07:23
  Speaker 3: and things like.
• 1:07:24
  Speaker 6: That and gone all the time.
• 1:07:27
  Speaker 3: And I was just like, bro, you're making good money,
• 1:07:29
  Speaker 3: but like you can't live off of this, like all right, cool,
• 1:07:31
  Speaker 3: Like you've made this part time work your full time job.
• 1:07:34
  Speaker 3: And it's just like how can you continue to live
• 1:07:36
  Speaker 3: like this? He got two sons, and his sons would
• 1:07:38
  Speaker 3: be playing football games and he never could make it
• 1:07:41
  Speaker 3: or he would try to take it.
• 1:07:42
  Speaker 6: It was just rough.
• 1:07:43
  Speaker 5: And then I was just like, man, look, why don't
• 1:07:45
  Speaker 5: we just go ahead and do the same thing that
• 1:07:46
  Speaker 5: you're doing.
• 1:07:47
  Speaker 3: We already were. No, my brother's a sergeant, so he
• 1:07:49
  Speaker 3: already commands different people in the state police. Like he
• 1:07:52
  Speaker 3: literally got people that call him sergeant and that's a
• 1:07:55
  Speaker 3: part of his team. He's like, why don't you take
• 1:07:57
  Speaker 3: the same idea, the same thing that the state is
• 1:08:00
  Speaker 3: paying you for. Why don't you do that for yourself?
• 1:08:03
  Speaker 3: And then at that point, our first contract that we had,
• 1:08:06
  Speaker 3: it was the pipeline. You guys remember the pipeline that
• 1:08:09
  Speaker 3: they had where they were and what was it called
• 1:08:12
  Speaker 3: the North Dakota Pipeline. Oh, yeah, the North Dakota Pipeline.
• 1:08:15
  Speaker 3: That was our first contract to secure it. Yeah, to
• 1:08:18
  Speaker 3: secure it. So, so the government was trying to find
• 1:08:21
  Speaker 3: security companies to secure throughout the state of Illinois. The
• 1:08:25
  Speaker 3: North Dakota Pipeline went all the way from the tip
• 1:08:27
  Speaker 3: of Illinois, and the Illinois is a long state.
• 1:08:29
  Speaker 6: It's not really wide, it's just long. And so from
• 1:08:31
  Speaker 6: the tip.
• 1:08:31
  Speaker 3: Of Illinois all the way down to the bottom, they
• 1:08:34
  Speaker 3: needed a security company to secure it, and so no
• 1:08:38
  Speaker 3: security company you had the man forced to be able
• 1:08:42
  Speaker 3: to secure because this was like a four month contract.
• 1:08:44
  Speaker 3: And then it's like, okay, you logistically you need hotels
• 1:08:47
  Speaker 3: for your security guards. It was twenty four hours, so
• 1:08:50
  Speaker 3: they needed security twenty four hours all the way from
• 1:08:53
  Speaker 3: the tip of Illinois all the way down to the bottom.
• 1:08:55
  Speaker 2: How many people is that you need?
• 1:08:56
  Speaker 5: Oh, brother, I'm.
• 1:08:57
  Speaker 6: About to break it down to you.
• 1:08:58
  Speaker 3: My brother, though, Tommy, because he was a state trooper,
• 1:09:04
  Speaker 3: he go to ecosystem Again.
• 1:09:05
  Speaker 6: My brother was able to go.
• 1:09:07
  Speaker 3: From the state polices all the way from the tip
• 1:09:11
  Speaker 3: all the way down to the bottom. Chicago Police is
• 1:09:12
  Speaker 3: only in Chicago. So my brother being a state trooper,
• 1:09:15
  Speaker 3: he was able to get in contact with every single
• 1:09:18
  Speaker 3: state police department along the pipeline map and he was
• 1:09:21
  Speaker 3: able to contact each of them and find out, you know,
• 1:09:24
  Speaker 3: who wanted to work part time for this pipeline and
• 1:09:26
  Speaker 3: who wanted to do it. And so we had a meeting.
• 1:09:28
  Speaker 3: We had every single I'm talking about, We had state
• 1:09:31
  Speaker 3: troopers from the country. Brother, I'm talking about from like Farmertown,
• 1:09:34
  Speaker 3: and they all came and we had a big meeting
• 1:09:37
  Speaker 3: and they found out that it was us his two
• 1:09:38
  Speaker 3: black guys, and ninety nine percent of our workers all
• 1:09:41
  Speaker 3: you know, white guys from different parts of the state.
• 1:09:44
  Speaker 3: But yeah, we had the contract and we were one
• 1:09:46
  Speaker 3: of the only companies that was able to fulfill that
• 1:09:49
  Speaker 3: contract because my brother was able to hire state police officers.
• 1:09:53
  Speaker 3: Look within his network, he was able to hire state
• 1:09:55
  Speaker 3: police officer to cover that. And I mean, bro, that
• 1:09:57
  Speaker 3: was a multimillion dollar contract.
• 1:09:59
  Speaker 2: People.
• 1:10:00
  Speaker 6: We probably had at least about sixty five people.
• 1:10:03
  Speaker 3: I thought that mean, yeah, it's not that many, but
• 1:10:06
  Speaker 3: it was the responsibility.
• 1:10:07
  Speaker 2: I mean, they built it. They're trying to build the pipe,
• 1:10:09
  Speaker 2: so they're just standing there like the.
• 1:10:13
  Speaker 5: Situation.
• 1:10:13
  Speaker 3: Yes, and they was paying. They were paying for like knowledge,
• 1:10:16
  Speaker 3: So you're being your own squad, your own personal car,
• 1:10:19
  Speaker 3: and literally your responsibility was to just we had these
• 1:10:22
  Speaker 3: coordinates of where the pipeline was, and I mean they
• 1:10:25
  Speaker 3: kept it real hush hush, and then the responsibility was
• 1:10:28
  Speaker 3: to you had checkpoints along these coordinates, and the responsibility
• 1:10:32
  Speaker 3: was to drive up and down the highway. During that era,
• 1:10:34
  Speaker 3: because it was people, it was an indigenous a lot
• 1:10:37
  Speaker 3: of protests, Yeah, it was a lot of protests, and
• 1:10:39
  Speaker 3: they had a lot of indigenous people that was kind
• 1:10:40
  Speaker 3: of like fighting against it because there was a lot
• 1:10:42
  Speaker 3: of sacred land and things like that that it was hidden.
• 1:10:46
  Speaker 6: And they said, yeah, so bruh, let me tell you
• 1:10:48
  Speaker 6: real quick story.
• 1:10:49
  Speaker 3: Craziest thing when we finally got the contract, they hit
• 1:10:51
  Speaker 3: us in the hotel room and it was like some
• 1:10:54
  Speaker 3: kind of a movie. It was me and my brother.
• 1:10:56
  Speaker 3: It was like our supervisor and another guy. They hit
• 1:10:59
  Speaker 3: us in this room and these federal guys come in
• 1:11:03
  Speaker 3: and they're talking to us and they're like, all right, congratulations.
• 1:11:06
  Speaker 3: You know you guys got the contract for the pipeline.
• 1:11:09
  Speaker 3: And they was like, okay, we want to introduce you
• 1:11:11
  Speaker 3: to one of our guys that we have that's in
• 1:11:14
  Speaker 3: the inside.
• 1:11:14
  Speaker 6: He was like kind of like a spy.
• 1:11:16
  Speaker 2: Right.
• 1:11:16
  Speaker 6: This guy comes in. Man, this guy's.
• 1:11:18
  Speaker 3: About six foot four, about three hundred pounds, looked like
• 1:11:21
  Speaker 3: an Indian, like literally got his hair and a ponytail.
• 1:11:24
  Speaker 3: Bru And he comes in and he's like, you know
• 1:11:26
  Speaker 3: how you guys doing.
• 1:11:27
  Speaker 5: They call me.
• 1:11:28
  Speaker 6: Bigfoot and he was like bro. Like I was like, bro,
• 1:11:31
  Speaker 6: this can't be real.
• 1:11:31
  Speaker 3: And my man was like literally talking to us talking
• 1:11:34
  Speaker 3: about the pipeline and that they have different people that's
• 1:11:38
  Speaker 3: trying to sabotage the pipeline and things like that, and
• 1:11:40
  Speaker 3: he's like a spy within the within these different tribes. Yeah,
• 1:11:44
  Speaker 3: he was a federal agent, but he was working as
• 1:11:46
  Speaker 3: a spy. They had helicopters. They put numbers on each
• 1:11:48
  Speaker 3: one of our cars. They had helicopters that would drive
• 1:11:50
  Speaker 3: a fly by and they would see your number, that
• 1:11:53
  Speaker 3: everybody's cell phone here like a panic coat or if
• 1:11:56
  Speaker 3: something happened, you push this button and then literally it'll
• 1:11:59
  Speaker 3: bring the the I couldn't even talk about this before,
• 1:12:02
  Speaker 3: but now you know, it was over with years ago.
• 1:12:04
  Speaker 3: So this was our first security contract, and like I said,
• 1:12:08
  Speaker 3: it was the wildest thing and it was kind of
• 1:12:09
  Speaker 3: one of the things where you'd be like, I don't know, man,
• 1:12:12
  Speaker 3: it don't sound right.
• 1:12:13
  Speaker 6: It just don't.
• 1:12:14
  Speaker 3: It's just don't you know what I'm especially when when Bigfoot
• 1:12:16
  Speaker 3: came in there and I was like, hold on, man,
• 1:12:18
  Speaker 3: it's kind of iffy.
• 1:12:19
  Speaker 6: But now it ended up working out.
• 1:12:20
  Speaker 2: Man.
• 1:12:21
  Speaker 3: We was making almost like a million dollars a month
• 1:12:23
  Speaker 3: on it. Yeah, and so that was our first security contract,
• 1:12:26
  Speaker 3: brou and it took off from there. Yeah that's crazy,
• 1:12:30
  Speaker 3: all right.
• 1:12:30
  Speaker 5: So so you got that, and then from there you
• 1:12:32
  Speaker 5: just so the security, you secure venues or people, everything, everything.
• 1:12:39
  Speaker 3: So right now we got it's three naming markets is
• 1:12:41
  Speaker 3: in Chicago and we're in all three. We have apartment buildings,
• 1:12:47
  Speaker 3: we do sporting events, we do a lot of So
• 1:12:51
  Speaker 3: there you go again, ecosystem property managers. While a lot
• 1:12:56
  Speaker 3: of people were out here trying to find security contracts.
• 1:12:59
  Speaker 3: You know, all I did was connect with property managers
• 1:13:01
  Speaker 3: and so I know, like your large complexes, the city
• 1:13:05
  Speaker 3: and state law that they must have security. I don't
• 1:13:08
  Speaker 3: know if it's anywhere else, but in Chicago they must
• 1:13:11
  Speaker 3: have security. And so as a point, and the people
• 1:13:14
  Speaker 3: that pick the security companies are the project managers are
• 1:13:18
  Speaker 3: the property managers rather, and so you got a lot
• 1:13:21
  Speaker 3: of property managers that have multiple properties in their portfolio.
• 1:13:26
  Speaker 3: And so all you got to do is get in
• 1:13:27
  Speaker 3: good with one property manager and then now they're bringing
• 1:13:31
  Speaker 3: different buildings to you as opposed you going out here
• 1:13:33
  Speaker 3: trying to search for different properties to do security yet
• 1:13:37
  Speaker 3: and so that's how we got in with a lot
• 1:13:38
  Speaker 3: of and so we got three major property management companies
• 1:13:42
  Speaker 3: in Illinois that we do security for and they constantly
• 1:13:45
  Speaker 3: contact us whenever they get a new property under their portfolio.
• 1:13:47
  Speaker 5: And most of your guys are cops. No, so we
• 1:13:50
  Speaker 5: have both.
• 1:13:50
  Speaker 3: We have police side and then we also have armed
• 1:13:54
  Speaker 3: security and unarmed security.
• 1:13:57
  Speaker 5: And you do you do it for people also?
• 1:13:59
  Speaker 2: Yes?
• 1:14:00
  Speaker 3: Yeah, yeah, So we got one of our largest clients
• 1:14:02
  Speaker 3: is Justin Fields, the Chicago Bears start back.
• 1:14:05
  Speaker 5: Yeah.
• 1:14:05
  Speaker 6: Yeah, Justin Fields starting quarterback.
• 1:14:07
  Speaker 2: Man a lot of pressure. Yeah.
• 1:14:10
  Speaker 5: Yeah.
• 1:14:10
  Speaker 3: So Justin Fillids first came to Chicago, his father reached
• 1:14:13
  Speaker 3: out to me and he's like, people, tell me somebody
• 1:14:17
  Speaker 3: that I need to know. And I thought he's talking
• 1:14:19
  Speaker 3: about real estate, but yeah, he's talking about security and
• 1:14:22
  Speaker 3: so yeah.
• 1:14:23
  Speaker 2: I'm assuming you're a Bears fan.
• 1:14:24
  Speaker 6: I am, yeah, big time, no matter if we don't win.
• 1:14:27
  Speaker 2: Yeah, I mean there's new development or Soldier field that
• 1:14:30
  Speaker 2: they're trying to yeah.
• 1:14:31
  Speaker 6: Yeah, yeah, they're trying to make it to a dome.
• 1:14:33
  Speaker 2: Yeah, they got to reach out to you.
• 1:14:35
  Speaker 5: Yeah, let's go.
• 1:14:37
  Speaker 2: Can you talk about the abhortance of leading by example? Obviously,
• 1:14:40
  Speaker 2: you know I was. I saw one of your posts
• 1:14:42
  Speaker 2: and you were talking about how intention you are about
• 1:14:44
  Speaker 2: doing things and making sure that people see especially your kids,
• 1:14:47
  Speaker 2: saying like my kids got a trainer. Every one of
• 1:14:49
  Speaker 2: them has a trainer because they've seen you do it.
• 1:14:51
  Speaker 2: It's custom to them. Can you talk about the role
• 1:14:53
  Speaker 2: of leading intentionally like that?
• 1:14:55
  Speaker 6: Yeah, so you know, I got this thing, man.
• 1:14:58
  Speaker 3: Every single day I wake up, all right, every single day,
• 1:15:02
  Speaker 3: I like people ask me, like, you know, what's.
• 1:15:06
  Speaker 6: My daily schedule?
• 1:15:07
  Speaker 3: Like, and I got these five pillars that every single day,
• 1:15:10
  Speaker 3: this is my day, Faith, Family, finance, fitness, and freedom. Faith, Family, finance, fitness,
• 1:15:17
  Speaker 3: and freedom. Every single day, I don't go to sleep
• 1:15:19
  Speaker 3: until I have invested in all five of those pillars.
• 1:15:23
  Speaker 5: And so it's.
• 1:15:24
  Speaker 3: Important for me. I believe that you are always showing
• 1:15:27
  Speaker 3: your kids something, even when you're not trying to. You're
• 1:15:30
  Speaker 3: teaching them something, from the way you eat, to the
• 1:15:33
  Speaker 3: way you manage your money, to the way you treat
• 1:15:35
  Speaker 3: your spouse, you know, to the way you treat your body.
• 1:15:38
  Speaker 3: So every single day I don't necessarily work out just
• 1:15:41
  Speaker 3: for me. I work out because I know my children
• 1:15:43
  Speaker 3: are watching. They watching every single thing I do. And
• 1:15:46
  Speaker 3: so it's like it's important for me not only to
• 1:15:49
  Speaker 3: just make sure that I'm working out, but making sure
• 1:15:51
  Speaker 3: that I'm treating your mother right. You know, I got
• 1:15:54
  Speaker 3: a son a six years old. He literally bruh every time.
• 1:15:58
  Speaker 3: A matter of fact, it's funny because see J over there,
• 1:16:00
  Speaker 3: my son head a marriage with CJ's daughter.
• 1:16:04
  Speaker 6: Son they went through they went through a marriage.
• 1:16:06
  Speaker 3: CJ daughter is six years old, My son is six
• 1:16:08
  Speaker 3: years old, and he's just like, man, I want what
• 1:16:11
  Speaker 3: you got with mammy, And he literally CJ daughter. See
• 1:16:15
  Speaker 3: if they was at my house, me and c was gone,
• 1:16:17
  Speaker 3: and my my wife's grandmother, she's ninety years old.
• 1:16:20
  Speaker 6: She she officiated the way.
• 1:16:22
  Speaker 2: Make sure that the bride's father pays for it. Plice.
• 1:16:24
  Speaker 6: Oh yeah, exactly exactly.
• 1:16:27
  Speaker 3: So it's like my son is big on marriage because
• 1:16:30
  Speaker 3: he see his parents been married for twenty years.
• 1:16:33
  Speaker 6: You know.
• 1:16:34
  Speaker 3: Imagine though, if I had a different kind of life
• 1:16:36
  Speaker 3: and then my son, I'd be like, hey, CJ's daughter
• 1:16:39
  Speaker 3: is my baby mama.
• 1:16:41
  Speaker 6: You know CJ's daughter.
• 1:16:42
  Speaker 2: You know.
• 1:16:42
  Speaker 3: So he's he sees that in a way because that's
• 1:16:45
  Speaker 3: what he's been exposed to, you know, in that same
• 1:16:48
  Speaker 3: kind of way.
• 1:16:49
  Speaker 2: You know.
• 1:16:50
  Speaker 3: First thing I do is I work on my faith
• 1:16:53
  Speaker 3: every single day. I just focus on one scripture. Every
• 1:16:56
  Speaker 3: single day. I focus on one scripture and I build
• 1:16:58
  Speaker 3: my faith up And the reason why I do that
• 1:17:00
  Speaker 3: is because I know that being an entrepreneur, just being
• 1:17:03
  Speaker 3: just myself doing the things that we do, you're gonna
• 1:17:05
  Speaker 3: have to have like like, like what entrepreneur you know
• 1:17:09
  Speaker 3: is successful that don't have a level of faith. But
• 1:17:12
  Speaker 3: a dude, what is faith? Faith is the substance of
• 1:17:14
  Speaker 3: things hoped for, the evidence of things not seeing you
• 1:17:17
  Speaker 3: guys started this podcast from this location, right, and it
• 1:17:22
  Speaker 3: was built off of faith.
• 1:17:23
  Speaker 6: Like you didn't. I don't know if you knew.
• 1:17:25
  Speaker 3: I've seen what you wrote down though, but y'all wrote
• 1:17:27
  Speaker 3: down the whole business plan and what you was trying
• 1:17:29
  Speaker 3: to figure out the name of it, the different things
• 1:17:31
  Speaker 3: like that that work. There was faith, Yeah, And I
• 1:17:35
  Speaker 3: think that a lot of times people don't. They don't
• 1:17:38
  Speaker 3: build their faith. Faith is a muscle. It's a muscle
• 1:17:43
  Speaker 3: just like any other muscle. If you don't use it,
• 1:17:45
  Speaker 3: you lose it. And so that's why I think that
• 1:17:47
  Speaker 3: a lot of things I don't have the knowledge of
• 1:17:49
  Speaker 3: things going into it. I'm not gonna sit here and
• 1:17:51
  Speaker 3: act like I'm some crazy guru when it comes to
• 1:17:54
  Speaker 3: certain things I did not have.
• 1:17:56
  Speaker 5: I did not know that I.
• 1:17:57
  Speaker 6: Was going to be doing what I'm doing now in
• 1:17:58
  Speaker 6: real estate.
• 1:18:00
  Speaker 3: I didn't know that when we did that first daycare
• 1:18:02
  Speaker 3: center that we would be having for daycare centers and
• 1:18:05
  Speaker 3: we would be raising people care.
• 1:18:06
  Speaker 6: For the last seventeen years.
• 1:18:08
  Speaker 3: It has not been one year that we have not
• 1:18:09
  Speaker 3: made a million dollars over the last seventeen years. I
• 1:18:13
  Speaker 3: didn't know it. I didn't have the knowledge at the
• 1:18:15
  Speaker 3: time either. I didn't have the knowledge at the time
• 1:18:18
  Speaker 3: starting a security company.
• 1:18:20
  Speaker 6: Bruh.
• 1:18:21
  Speaker 3: I'm traveling the world right now with the number one
• 1:18:23
  Speaker 3: motivational speaker in the world. I've been on stages four
• 1:18:26
  Speaker 3: thousand people. Five thousand people just did invest fst I've
• 1:18:30
  Speaker 3: never been to any kind of speaking school, i never
• 1:18:32
  Speaker 3: had any kind of training.
• 1:18:34
  Speaker 6: All of that comes from faith, though, it comes from.
• 1:18:37
  Speaker 3: And I was prepared because over the years I've always
• 1:18:40
  Speaker 3: worked on my faith muscle, and so now when the
• 1:18:42
  Speaker 3: opportunity presents itself, I'm ready, not because I got this
• 1:18:46
  Speaker 3: crazy knowledge, but because I believe. And so those are
• 1:18:50
  Speaker 3: the different things man that faith, family, finance. Every single day,
• 1:18:53
  Speaker 3: I'm working on the five pillars with my family. Pillar
• 1:18:56
  Speaker 3: is not about just spending time with family, setting your
• 1:19:00
  Speaker 3: family up. Each one of my kids got a trust account.
• 1:19:05
  Speaker 3: I tell people all the time, there's no reason why
• 1:19:08
  Speaker 3: your children, everybody's children and twenty twenty two is not
• 1:19:11
  Speaker 3: gonna be millionaires.
• 1:19:12
  Speaker 6: It's too simple.
• 1:19:13
  Speaker 3: Right now, I got a building for each one of
• 1:19:16
  Speaker 3: my children, and the net profit from the building goes
• 1:19:19
  Speaker 3: to their investment account. So now by the time my
• 1:19:23
  Speaker 3: children are my age at forty years old, each one
• 1:19:25
  Speaker 3: of them will have millions in the bank because of
• 1:19:27
  Speaker 3: compound and interest.
• 1:19:29
  Speaker 6: It's like, it's that simple.
• 1:19:30
  Speaker 3: But because your faith pillar is low, because you don't
• 1:19:33
  Speaker 3: believe that that's possible, then you'll never even get started
• 1:19:37
  Speaker 3: into doing something like that. And so bruh, it's those
• 1:19:40
  Speaker 3: are the things that I feel like, you know, I
• 1:19:42
  Speaker 3: lead by example by showing my family every single day
• 1:19:46
  Speaker 3: the type of man that I am. I get up
• 1:19:48
  Speaker 3: every single day. If somebody want to know what I'm
• 1:19:50
  Speaker 3: doing or where I'm at, all they got to do
• 1:19:51
  Speaker 3: is find me in the five pillars.
• 1:19:54
  Speaker 5: Befo we leave. I want to talk about Scott's car building. Yeh, Chicago.
• 1:19:58
  Speaker 5: So you're on the developments. It showed us the picture
• 1:20:02
  Speaker 5: very impressive, so talk about that.
• 1:20:05
  Speaker 6: Yeah, so man, this is a skyscraper.
• 1:20:07
  Speaker 3: Brother, this is another thing that goes to the faith,
• 1:20:09
  Speaker 3: something that I've never done before. No, I don't have
• 1:20:13
  Speaker 3: any expertise in building skyscrapers. The most I've done was
• 1:20:17
  Speaker 3: my house was ten thousand score feet when I bought it,
• 1:20:20
  Speaker 3: and I added another ten thousand score feet to my house.
• 1:20:22
  Speaker 3: That's the only development that I've ever done. But my
• 1:20:25
  Speaker 3: business partners Johnny Mullins, Mark Bufort, Damon Stewart, and Gerald Williams.
• 1:20:31
  Speaker 3: Johnny Mullins is one of the top black architects and
• 1:20:36
  Speaker 3: developers in the country. He's done over ninety skyscrapers. And
• 1:20:39
  Speaker 3: so my whole thing were just connecting yourself with the
• 1:20:43
  Speaker 3: right people, you know. So, yeah, we have a skyscraper
• 1:20:46
  Speaker 3: that we're doing. I'm not gonna say the location just yet,
• 1:20:50
  Speaker 3: but let's say it's in a very hot area of Chicago.
• 1:20:54
  Speaker 3: And this skyscraper is something that's built by all Black
• 1:20:59
  Speaker 3: Devils Limit team, and you know, it's something that hasn't
• 1:21:02
  Speaker 3: been done before.
• 1:21:03
  Speaker 6: Not just that it's being.
• 1:21:04
  Speaker 3: Built by all black development team, but it's owned by
• 1:21:07
  Speaker 3: all black ownership team. And yeah, we all came together
• 1:21:11
  Speaker 3: and it said it's time for us. It's like we
• 1:21:13
  Speaker 3: always look to this generation. We look to past people
• 1:21:16
  Speaker 3: and kind of like, oh, man, like, oh they developed this,
• 1:21:19
  Speaker 3: they developed that. It's our turnout. There's no longer you
• 1:21:22
  Speaker 3: know those people. We are those people now. And I
• 1:21:25
  Speaker 3: think a lot of times, you know, with everything, we
• 1:21:27
  Speaker 3: look to the past and it's like, bro, when are
• 1:21:30
  Speaker 3: we going to step up and do it? And so, yeah,
• 1:21:32
  Speaker 3: this is the development of a seventy million dollar development.
• 1:21:36
  Speaker 3: It is going to change. It's going to be a
• 1:21:39
  Speaker 3: staple in Chicago, and it's being built by us, and man,
• 1:21:44
  Speaker 3: it's going to be life changing.
• 1:21:46
  Speaker 2: Man. Yeah, I mean that's incredible. We actually spoke to
• 1:21:50
  Speaker 2: a developer you may have heard of down here people
• 1:21:52
  Speaker 2: a few weeks ago, and he was at investmentest about
• 1:21:54
  Speaker 2: development that he's building in New York. And I know
• 1:21:57
  Speaker 2: you got a chance to meet him, Yes, at investment.
• 1:22:00
  Speaker 5: Moment of my life.
• 1:22:02
  Speaker 2: What he's meant to you and what that encounter was like.
• 1:22:04
  Speaker 6: Oh, bro, let me tell you something like I was
• 1:22:06
  Speaker 6: telling y'all before, I.
• 1:22:07
  Speaker 3: Don't get too excited, you know what I'm saying meeting people,
• 1:22:10
  Speaker 3: But it's crazy because I was just cracking a jump
• 1:22:13
  Speaker 3: to CJ. I was like, I was like, man, it's crazy, man,
• 1:22:15
  Speaker 3: how I went from being on the squad car to
• 1:22:18
  Speaker 3: the stage and now people. Man, I'm going up to
• 1:22:19
  Speaker 3: people and I'm like, hey, you want to take a picture,
• 1:22:21
  Speaker 3: and they shaking and they can't even open up their phone.
• 1:22:24
  Speaker 3: And I was like, man, I don't even get it. Now,
• 1:22:25
  Speaker 3: I'm just a regular person. Man, I don't even get
• 1:22:27
  Speaker 3: my people act like that.
• 1:22:28
  Speaker 6: Bro went up to Don Peebles.
• 1:22:30
  Speaker 3: I was like, I was like, oh, I was shaking
• 1:22:34
  Speaker 3: it and he was like because he told me to
• 1:22:37
  Speaker 3: take his number down and I didn't even know what
• 1:22:39
  Speaker 3: bud to push.
• 1:22:40
  Speaker 2: Bro.
• 1:22:41
  Speaker 3: Oh, Man I got Bro. He was like, yeah, you
• 1:22:44
  Speaker 3: want to push that butt right there.
• 1:22:46
  Speaker 5: And I was like, man, I now.
• 1:22:47
  Speaker 6: See how other people feel.
• 1:22:49
  Speaker 3: But man, it was just something man to see because
• 1:22:51
  Speaker 3: when we first all got started, you know, we all
• 1:22:54
  Speaker 3: listened to the audio book of Don Peeples and it
• 1:22:58
  Speaker 3: was just inspiring.
• 1:22:59
  Speaker 6: To see how he how he hustled bruh in DC.
• 1:23:02
  Speaker 3: And being there with Mayor Barry or was it Marion Barry,
• 1:23:07
  Speaker 3: and just to see how he just in a political way,
• 1:23:09
  Speaker 3: came through the ranks and how he was able to
• 1:23:11
  Speaker 3: do what he's doing now. And that's just the inspiration
• 1:23:13
  Speaker 3: Bruther and It goes back to exposure. And I think
• 1:23:16
  Speaker 3: see with me, a lot of people they get excited
• 1:23:19
  Speaker 3: about asking people for stuff, Like how many people get excited.
• 1:23:23
  Speaker 3: They just like, oh, man, man, Troy and shot they
• 1:23:25
  Speaker 3: doing it. Man, I'm about to man, I'm gonna see man,
• 1:23:27
  Speaker 3: my man, give me some money. I'm gonna see if
• 1:23:29
  Speaker 3: they can look you, bro, I get excited just from
• 1:23:31
  Speaker 3: an exposure. When I get exposed to something. Brother, you
• 1:23:34
  Speaker 3: don't owe me nothing. You don't owe me nothing, because
• 1:23:37
  Speaker 3: I'm gonna take that exposure and I'm gonna run with it,
• 1:23:39
  Speaker 3: and that exposure will last a lifetime. But if you
• 1:23:42
  Speaker 3: give me, you give me five thousand dollars, brud, ten
• 1:23:45
  Speaker 3: thousand dollars to spend it, it's gonna be gone. But
• 1:23:47
  Speaker 3: the exposure that you give me, I don't even need
• 1:23:50
  Speaker 3: to ask, brother, exposure. Y'all just gave me an investments, bruh.
• 1:23:55
  Speaker 3: It just let me know that it's possible. Like I said,
• 1:23:57
  Speaker 3: I love seeing this dog. I love seeing it man too.
• 1:24:00
  Speaker 3: Young black guys. Dog that's genuine been boys since high school.
• 1:24:04
  Speaker 3: And y'all out here man educating the right way, showing
• 1:24:09
  Speaker 3: people not about how to get rich quick, but how
• 1:24:11
  Speaker 3: to do this, man, How to have a foundation, how
• 1:24:13
  Speaker 3: to do it one property at a time, one investment
• 1:24:16
  Speaker 3: at the time, one start. Y'all are broad and everything
• 1:24:18
  Speaker 3: that y'all do, and what's gonna come from this? How
• 1:24:22
  Speaker 3: many other Rashaan Troy's dog is coming up because they
• 1:24:25
  Speaker 3: see y'all doing this and know it's possible. So I
• 1:24:27
  Speaker 3: think that people don't really they look at what's going
• 1:24:29
  Speaker 3: on now without really thinking about what's the compounding effect
• 1:24:34
  Speaker 3: of what you all are doing. It compounds and I
• 1:24:36
  Speaker 3: don't even know if y'all don't even see the results
• 1:24:39
  Speaker 3: of it in the future, but I can already tell
• 1:24:42
  Speaker 3: you the results are gonna be crazy.
• 1:24:44
  Speaker 2: It's to go.
• 1:24:47
  Speaker 5: So anything else you want to let the people know
• 1:24:48
  Speaker 5: anything you got going on.
• 1:24:50
  Speaker 3: Yeah, man, just I mean, it ain't even about me,
• 1:24:52
  Speaker 3: It's about them, you know. Just let them know that dog,
• 1:24:55
  Speaker 3: it's possible, Like man, please, like hear my heart. Like
• 1:24:59
  Speaker 3: I'm a that was a police officer. I was born
• 1:25:03
  Speaker 3: to blue collar workers. Nine of us are blue collar.
• 1:25:09
  Speaker 3: And I'm sitting here telling somebody out here listening to
• 1:25:12
  Speaker 3: us think that it's not possible for him. They think
• 1:25:14
  Speaker 3: that you know that you're all somebody special. You are special,
• 1:25:18
  Speaker 3: but they think that you are just over here, You're
• 1:25:19
  Speaker 3: just untouchable. They think that I'm untouchable. They think that
• 1:25:22
  Speaker 3: I've just got lucky. I'm sitting there telling you. One
• 1:25:25
  Speaker 3: thing that we all got in common is that we
• 1:25:27
  Speaker 3: got crazy belief. And that's where it's start. Any investment,
• 1:25:31
  Speaker 3: anything that you do, it starts with belief first. It's like,
• 1:25:35
  Speaker 3: let that be the foundation of your life. The belief
• 1:25:37
  Speaker 3: that you can do it, the belief that it is possible.
• 1:25:39
  Speaker 3: And now the information part is easy. Brother. In my course,
• 1:25:43
  Speaker 3: I've taught people of real estate in a matter of
• 1:25:45
  Speaker 3: thirty minutes, but it's taking people five years to believe
• 1:25:52
  Speaker 3: that it's possible. For him, you got the information, but
• 1:25:55
  Speaker 3: you just don't believe. It's like real, just believe and
• 1:25:58
  Speaker 3: then go for the information. And so just want to
• 1:26:01
  Speaker 3: let people know, man, like life is not over for you.
• 1:26:04
  Speaker 3: You know you worked here nine to five bruh on
• 1:26:06
  Speaker 3: their job for the last twenty thirty years. People feel
• 1:26:08
  Speaker 3: like they getting choked out. I mean you literally feel
• 1:26:11
  Speaker 3: like you suffocate, like you can't breathe. So I just
• 1:26:15
  Speaker 3: want my life, my message to be like a sense
• 1:26:18
  Speaker 3: of air form a little sense of oxygen form and
• 1:26:22
  Speaker 3: just no, don'll see me, and don't don't see the
• 1:26:24
  Speaker 3: money I got. Don't see no, just see that I
• 1:26:26
  Speaker 3: did all of this one property at the time. Like literally,
• 1:26:30
  Speaker 3: I came up with the vision of my life. I
• 1:26:32
  Speaker 3: got exposed to what it was that I wanted in life. Again,
• 1:26:37
  Speaker 3: I kept doing it one property at a time. Some
• 1:26:40
  Speaker 3: people want to start businesses. You letting the bank literally
• 1:26:45
  Speaker 3: shut down your dream. Bruh, your business is in the bricks,
• 1:26:49
  Speaker 3: Like literally, you can literally fix this property up, flip
• 1:26:52
  Speaker 3: this property, take the net, pro season, put it towards
• 1:26:54
  Speaker 3: your business. Yeah. It took me twenty a half years
• 1:26:57
  Speaker 3: before we actually open up our first daycare center. But
• 1:27:00
  Speaker 3: that day care center has been making us millions of
• 1:27:02
  Speaker 3: dollars for the last seventeen years. It's just like like
• 1:27:06
  Speaker 3: I just don't stop. Don't stop, man, Keep getting exposed
• 1:27:10
  Speaker 3: to what earn your leisure, Keep getting exposed to all
• 1:27:14
  Speaker 3: these different avenues, man, and and and and and literally
• 1:27:17
  Speaker 3: go after it, because you only have one life to live.
• 1:27:22
  Speaker 5: There you go fact very powerful, very powerful. Thank you
• 1:27:26
  Speaker 5: for coming, brother. I'm sure a lot of people will
• 1:27:29
  Speaker 5: be inspired and educated and hopefully you know, take a
• 1:27:32
  Speaker 5: lot of action because anything is possible, and it's good
• 1:27:36
  Speaker 5: to have, you know, testimony from people that have actually
• 1:27:39
  Speaker 5: you know, done it and started from humble beginnings and uh,
• 1:27:43
  Speaker 5: you know people can relate to. So appreciate it. Brother,
• 1:27:46
  Speaker 5: thank you appreciate it.
• 1:27:48
  Speaker 2: And he's an established author. I forgot to put that
• 1:27:51
  Speaker 2: in the title. Man, don't quit your days drops about million.
• 1:27:58
  Speaker 6: Crist your day job.
• 1:27:59
  Speaker 2: Not yet, not yet.
• 1:28:01
  Speaker 6: Matter of fact, I might come on part two.
• 1:28:05
  Speaker 2: Not yet breaking news, Alric. Shout to everybody on patreon
• 1:28:09
  Speaker 2: dot com. Shout out to all of our earners on
• 1:28:11
  Speaker 2: Eyo University and some of the earners that are not
• 1:28:14
  Speaker 2: part of the university. Just yet. Man, So shout out
• 1:28:16
  Speaker 2: to everybody that's been supporting the movement. And I said,
• 1:28:18
  Speaker 2: it's a movement because it's bigger than a moment. That's
• 1:28:20
  Speaker 2: what we are building, is a movement. So shout out
• 1:28:23
  Speaker 2: to all y'all. Shout everybody supporting the merch and shout
• 1:28:26
  Speaker 2: out to them ey l fashion rebels out there. We
• 1:28:28
  Speaker 2: got something for y'all. Please just be patient. Patients will pay.
• 1:28:31
  Speaker 2: We love y'all, We appreciate y'all, lovers love.
• 1:28:34
  Speaker 5: Thank you guys for rocking with us for see you
• 1:28:36
  Speaker 5: next week.
• 1:28:39
  Speaker 4: My graduates from my school being forced back drop drop,
• 1:28:45
  Speaker 4: drop drop.
• 1:28:57
  Speaker 1: An illegal alien from Guatemala merged with raping a child
• 1:29:01
  Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador
• 1:29:05
  Speaker 1: accused of murdering a Texas man of Venezuelan charged with
• 1:29:09
  Speaker 1: filming and selling child pornography in Michigan. These are just
• 1:29:13
  Speaker 1: some of the heinous migrant criminals caught because of President
• 1:29:17
  Speaker 1: Donald J. Trump's leadership. I'm Christy nom the United States
• 1:29:21
  Speaker 1: Secretary of Homeland Security. Under President Trump, attempted illegal border
• 1:29:26
  Speaker 1: crossings are at the lowest levels ever recorded, and over
• 1:29:29
  Speaker 1: one hundred thousand illegal aliens have been arrested. If you
• 1:29:32
  Speaker 1: are here illegally, your next you will be fined nearly
• 1:29:36
  Speaker 1: one thousand dollars a day, imprisoned, and deported. You will
• 1:29:40
  Speaker 1: never return. But if you register using our CBP home
• 1:29:44
  Speaker 1: app and leave now, you could be allowed to return legally.
• 1:29:48
  Speaker 1: Do what's right. Leave now. Under President Trump, America's laws,
• 1:29:53
  Speaker 1: border and families will be protected.
• 1:29:55
  Speaker 2: Sponsored by the United States Department of Homeland Security,