Episode 85: How to Retire Early Through Real Estate Investing with Antoinette Munroe

Acquania Escarne 0:03

You are listening to the purpose of money podcast, a podcast where we talk about ways to build wealth and create more freedom in your life today. I am your host Acquania Escarne

Hey guys, welcome to the purpose of money podcast today I'm super excited. We're going to talk about the budget ABCs, house hacking, and travel hacking strategies with Antoinette Munroe, a dynamic woman who retired early at 36 years old when she decided to quit climbing the corporate ladder and pursue financial freedom and independence.

Now, Antoinette Munroe is a serial entrepreneur with a broad spectrum of business experience in industries ranging from music entertainment to construction. After several years in corporate America, she shifted her focus to pursuing financial independence and retiring early and successfully achieved her goal at 36 years old. To achieve this goal, Antoinette developed budget ABCs house hacking and travel hacking strategies that not only accelerated her path to financial independence, but also allowed her to repay over $100,000 in debt. She eliminated all of her living expenses, and traveled around the world to exotic locations like Bora Bora and the Maldives at little to no costs. It's no surprise she is the first self made millionaire in her family. And when she's not building to billions, and Antoinette enjoys salsa dancing, fine dining, and having fun with friends and family. She has a personal mantra, I will find a way or make one and Antoinette is continuously working towards achieving her wildest dreams and helping others do the same. Hey, Antoinette, welcome to the show. I'm so glad to have you.

Antoinette Munroe 2:02

Thank you so much for having me. I'm excited to be here with you today.

Acquania Escarne 2:05

I'm excited to have you because this is going to be a good conversation. For those who don't know, all of you, I guess. Antoinette and I met at a conference where money nerves me called Fin Con. And this year, it was in Orlando, Florida. And while we were there, she told me a little bit about her story. And I was like, I have to have me on the podcast, one because not very many people can retire at 36 years old. And two, you are in my favorite industry of all times real estate investing. So let's get into this background on you. Because before we talk about how to retire at 36, I want to know a little bit more about your past. So I'm gonna ask you, what was money like for you when you were growing up?

Antoinette Munroe 2:55

We have a story. Long story short, I'm the youngest of eight. So it was a pretty big family. I'm from Miami Gardens. bajas, Carroll city is what we call them before we incorporate it. But yeah, I don't think my mom ever made over 15,000 a year, she was a school bus driver. My dad was a AC repair guy. So he money was not a focus or a privilege that we had.

Acquania Escarne 3:26

Okay, I respect that. So then are there any things you witnessed or habits that you noticed as a child that you brought into adulthood? Did you struggle finding your way financially?

Antoinette Munroe 3:37

I think I had the privilege of so watching my family struggle financially, that actually helped me avoid struggling financially because I was able to watch everyone else's mistakes. When you're the youngest of eight, that's 10 people in a house, I got 11 Other examples of what not to do. So that's how it worked out. For me. It wasn't I didn't grow up making financial mistakes and then having to undo them. I use the negative influence as motivation to avoid all of those things. So maybe I went to the opposite end of the spectrum, I became super frugal, super restrictive and spending. So yeah, it had the opposite effect on me, which I like to tell people you can learn from any experience or any message.

Acquania Escarne 4:26

Absolutely. And I agree with that. And I tell people that a lot like even in my life, my mom was an entrepreneur all of my childhood and never hired people other than me and never really built a six figure business like I aspired you know to do and what I learned from her was grit, you know, and the importance of being committed to your business and working hard. But what I chose to do differently is I chose to hire people when my business started growing and get a coach to help me grow it to another level and utilize her experience as ways to know the truth about entrepreneurship, which is it can be challenging, but also knowing what you can do differently to be more successful at entrepreneurship. So just like you learned from your family's money, mistakes, I learned from my mom's entrepreneurship journey, because her path was her path. But I think she did an excellent job as still providing despite how fluctuating entrepreneurship was for her. So I completely understand that story.

Antoinette Munroe 5:28

Yeah, it's amazing what our parents were able to achieve. Like, I didn't know we had money issues, or that that was a negative thing. Until I went to college and saw other people with money or heard their stories growing up and learn that it was different than mine. But I don't feel like I missed anything from my childhood, or that I Was unhappy like I played outside, I have friends, I have food to eat, I was good.

Acquania Escarne 5:51

Absolutely. So that means your parents did an excellent job. Because that is, what we like to see is that kids don't even realize that there might be tight financial situation, especially with so many kids and a loving home. So you had everything you need. So let's fast forward to you're an adult. Now you're working in corporate America, you know, how did you start your career? What was your first job? And what was your initial goals when you were in corporate America.

Antoinette Munroe 6:22

So I was recruited out of college into a management trainee program with Pepsi at the time. So that was the first job coming in, you knew you had a set salary, you knew what the future or the opportunities would be for you. Now I took the job initially, because I wanted to pay off my student loans. So a corporate path, I had already known in college that that wasn't for me. But by the time I graduated, I had student loans that needed a place to go. So I was just like, I need a job to make sure that these student loans are paid off. And then after that, I can go back and chase a dream. So the two year management program was like, ideal. Okay, I have two years. So I set a two year schedule for myself to repay those student loans. And that was really my sole focus at that time, not growing the career necessarily. So at the end of the two years, with the loans paid off, I was just like, okay, you know, what do I want to do next, but I didn't know yet. And I was in Memphis, Tennessee. So I knew I needed to at least get back to my family in Miami, so I could have support if I was going to leave a job and try to pursue a dream. So then I stayed a third year got relocated to Miami, and then focused at your solely on savings, because I'm like, if I'm gonna quit, I need to be able to survive until I can make something happen. So with that third year, I put my entire salary in the bank. But by then three years is really enough time for the golden handcuffs to start to set in and to start drinking the Kool Aid. And at by the end of that three years, I had forgotten how to dream.

Acquania Escarne 8:04

Wow, that's powerful. Forgot I had a dream. So tell us how much student debt did you have?

Antoinette Munroe 8:10

Oh, came out of college with about maybe like 30,000 total, so not a lot. And that's like, credit cards, a car I bought, and student loans because most of school was paid through like college scholarships and federal grants. So it wasn't much. Which is why it was even more important, like Let's kill this now before it grows into something that is now a mountain to climb.

Acquania Escarne 8:32

Exactly. I love that. So then let's talk about how did you go from 30,000 in debt and paid off in two years to 100,000 that you paid off before you left corporate America, where did the additional debt come from.

Antoinette Munroe 8:47

So the additional debt came from the first house that I bought. So we're starting to like get into the real estate journey. And still, that wasn't the focus, I bought a house and decided to do a considerable amount of work on it and like add on square footage, because in my mind, not needing money was going to be my true freedom.

So if I could eliminate my expenses or get them as low as possible, that was going to give me more flexibility to at the time I thought it would simply be to change careers and do something more enjoyable. So just building on like, essentially a one bedroom apartment onto my house, I racked up another 95,000 there. So the last three years in corporate were spent just trying to pay that off.

To do that I took a 401 k loan. I maxed out all of my credit cards, but I don't recommend anybody do this, but I felt comfortable doing it because I had already proven to myself that I would have the discipline to pay down debt and prioritize saving so I knew if I did it, I would be able to pay it off. And of course my little spreadsheet I was able to track like okay, about 18 months is gonna take for me to knock this out. But to do that, I also had to House hack and rent out my space. So once the house was converted, and I had that additional unit, I moved into that side. And the other two bedrooms in my house, I rent it out on AirBNB. And the income from that was what I use to pay it off. So I'll say a combination of planning and sacrifice because not everybody is willing to share a space in their home. But for the greater good of let me get out of this debt or get out of this job. It was worth it to me.

Acquania Escarne 10:28

So that is amazing. Because most people will do the opposite, they will continue to live in a bigger space. And they will Airbnb, the smaller one, but you are like, I don't need a lot of space to live. Let me go ahead and move and maximize this house. So that leads me to another question, because I'm always curious to know, you know, what was the moment where you had the aha, I can't do this anymore. I'm leaving corporate was it one thing that happened? Was it a series of things that happened? When did you officially decide the clock starts now.

Antoinette Munroe 11:04

I'll say it was a series of things, right. So going in, I knew I didn't want to be there. And those first two years, were the most miserable time of my life, like it was hard to be in a place that you never felt you belong, or that you fit. And it just, it never was for me. There were bright spots when I would end up at certain locations where I could find enjoyment in it. But I never felt like I belong there. So I think maybe the three most pivotable pivotal things were meeting my boyfriend and then watching him pursue a dream, like at all costs, and have fulfillment in that that reminded me that I had dreams. And maybe I should consider those again. I'd say the second one was I got fired from a role at my job. And I got fired. Right after like, a year after I have purchased that house. So now I have no savings because I've purchased this house, right? And I'm living in it, I had to fix it up. And now it's just like, I'm actually afraid, I don't know what would happen am I going to be able to pay my mortgage am I going to have to move back in with my parents or sell my house. And for me, I never wanted something else to have that kind of power or control over the outcomes in my life.

So two months after that firing, I went into another role. But then I immediately started building that one bedroom unit onto my house because I was just like, look, I'm never going to be caught off guard like this again, and have to wonder how i'm going to eat or take care of myself and keep a roof over my head.

So the that started it. And then the third nail in the coffin was another fire and right apparently, I'm clearly not fit to be an employee. But by the that second firing in 2020 it was like, All right, this aint for me from so in 20 Was it 2018, 2017 was the first firing. So I spent all of 2018 and 2019 doing Airbnb, I left and got a higher paying job and just stacking everything that I could and just shirring myself up financially, and purchasing rental properties. So by 2020 when they fired me I already had a little portfolio. All of my expenses were gone because I still house hack like, I'm literally never going to pay my mortgage myself. And I had not a lot of savings, but enough income coming in from the Airbnb rental that I would be okay. So that second time was more like okay, thanks. You know, it was time. I didn't need to be here and I'm out.

Acquania Escarne 13:37

I love that. And you know, sometimes I say God does that on purpose, because he knows that we'll get too comfortable. And we'll change plans. So he like makes it where there's no option you have to leave or you have to pivot because that door that door is closed for you. So that's that's really interesting. Okay, so you talk about this a little bit on your platform, and we've talked briefly about it now the smart money management, and how you utilize it in your life. So in addition to house hacking, what are some other strategies and you know, what exactly is smart money management for you.

Antoinette Munroe 14:18

I'll say the core of that are what I call my budget ABCs. So with my first paycheck out of college, I sat down with an expense Excel spreadsheet and just built out a budget. I had been doing a little bit of research with Suze Orman and a little bit of Clark Howard just trying to piece it all together. But none of those things fit the Dave Ramsey, nothing fit. So I took what I could relate to from each of them and created a budget framework that worked for me.

So the A in it is automation. A lot of the stress from budgeting is thinking about it. So I want all of the responsible things to run in the background. So all Bill Pay. All savings. investment contributions, those are all going to happen automatically.

The B in that is balance. So I feel like most people, all of your big bills are coming out at the first of the month. So you end up starting the month expense heavy and cash flow. And then you're floating yourself to the next paycheck with a credit card. So I made sure to change my due dates and bills or split the payments, so that every two weeks with every check, I knew it's going to be the same level of expenses and the same level of cash available.

So I never had a time in the month where I felt like I didn't have money. So that just the balancing the budget in that way, getting reduced anxiety or gave a lot more flexibility for me.

And then the C, I use it for different things mostly is consistency. But also at the first two years, it was consolidation for me, like making sure that the debt wasn't growing, taking advantage of opportunities, there were to consolidate that to something that zero interest to allow me time to catch up to paying it off, versus chasing it as it's growing every month. Sometimes I say that that's control having certain like, rules set in the budget. Like at the end of every month, if there was anything extra automatically rolling that over to savings.

So the ABCs flex, but those were the key ones. And I think that made the greater difference because I spent the first two years experiencing money through a healthy or controlled system. So I never developed the money habits that you usually fall into right out of college with your first job.

Acquania Escarne 16:38

I love that a budget ABCs. That's really, really helpful. So guys, definitely, you might want to replay that part back a bit. So you can process it, but automation, and then you check in on your bills, making sure everything's taken care of.

Antoinette Munroe 16:54

So balancing

Acquania Escarne 16:55

balancing, yeah, balancing between each paycheck. So you actually I tell people this a lot, most people don't realize, you can change the due date. So some of your bills, and all it requires is communication with your bill company. So calling them seeing what flexibility you have to make adjustments, even mortgages can sometimes be changed based on your payment schedule, because at the end of the day, your bill collector wants to get paid, right.

So they're gonna work with you to make sure that you can pay them. And they would rather adjust a due date so that you can pay after you get a paycheck than to keep it at a date when you're don't have any money to pay them and deal with the hassle of collections, right?

So communicate with your bill collectors, adjust dates to fit your schedule and have control as you said, controlling your money and being consistent and not chasing it to try to catch up and consolidation.

So to see was for consolidation, Antoinette did a lot of less move this debt here as 0% interest and pay it off. But she also said something really important, which was Do not add to your debt in the debt payoff process. So the best way to get out of a hole is to continue to fill it but don't add any digging deeper at the same time. So I really liked that. And I think a lot of people need that structure and that acronym to help them remember, like budget ABCs, budget ABCs. But I just want to be honest and transparent. If you're comfortable. Like did you have any obstacles as you're implementing this strategy? Or any setbacks? And you had to, like start over? And if so, you know, what was it that kept you motivated?

Antoinette Munroe 18:09

So initially, there weren't, I'll tell you the times the thoughts, right, because once the budget is set, the beauty of automation is as long as you don't touch it, it's gonna happen. You don't have to think about it. So early on those first two years, I'm seeing my friends like travel, take trips, they're buying things, we got new cars, sexy condos, and it's just like, it's sure look like you're having a good time. And I'm over here, having therapy, filling up my cart at Marshall's and then at the end of it, putting everything back one by one.

I will say that, like the influences around you, they can be an obstacle. So you have to be strong enough or have your plan or your why be strong enough to help you push through that right because I'm you know, they're living it up. But they got debt, you know, so once you recognize that your priorities are different, your goals are different.

You just I can't do what they're doing. So yeah, there's always going to be influences. But I'll say that, I don't know. I don't know if it's how I grew up, or what it was. That was like no matter what it, I'm not going to be in a situation where I have to move back with to my parents like, for me at all costs it was I had to do this.

So it felt like life or death to me. So I can't say there were obstacles other than the time that I got fired. But even still, I was already being so responsible with money and had that practice of preparing for that. That immediately I go into, okay, what's the next game plan? How do I adjust it like that budget spreadsheet, if you looked at like 50 tabs in it, it changed with every circumstance, I just went back and adjusted the budget for whatever I was facing.

Acquania Escarne 20:40

I love that. And that gives people the hope and reality that you can make adjustments. I tell people a budget is a living document. And it's meant to change as your life changes. But so many people assume that a budget is restricting. You know, I've already said I'm only going to spend this much on foods, so I can't adjust it. And I'm like, Yes, you can. If you spend more money in one category, the best thing to do is to take money from another category, but also to review your budget regularly. Because if your circumstances change, if another bill gets added, you need to make an adjustment. And in your case, you lost a job. That's that's a huge adjustment. But that doesn't mean that you have to stop budgeting, I actually think when you lose income, you have to budget even more, because you're trying to manage on your savings until you replace that income. And in your case, you did have passive income coming in, which is nice, but some people need to budget even more, the less they make, because every dollar really, really counts. So yeah,

Antoinette Munroe 21:43

I'll say your budget is more important than how much you make. Because you can make all the money in the world. If you don't know what you're doing with it, you're gonna end up in the same spot anyway. So the budget is what's important. And people will always ask, Oh, well, how can I come up with a side hustle how I just make a little more money, I'm like, if you blowing what you get that more money is just gonna go out the door, too. So it's really, the budget is everything. My starting salary was $50,000. I went out here balling right, and to be able to pay off 30,000 And then have 50 in the bank in the span of three years. That is just the budget, the discipline and the commitment to that plan. Like it's not about how much you make is what you do with what you make it how much of it you keep.

Acquania Escarne 22:23

Facts. I totally agree with that. And I'm in a similar position. When I started out, good government job, it was in the 55 - $60,000 range. And I was just recently married. But there were some people starting with that salary who had kids, and they still had to manage a family of two or four and $60,000 a year. And you're like, how do we make this work, and you're living in one of the most expensive cities in the United States.

So I agree with you. It's not about how much you make. It's about how you take what you make, and you maximize it, you budget for your lifestyle that you want to live and you're consistent, and how you're using that money to grow your wealth. And I think that's so amazing that you could make $50,000 a year pay off 30,000 in debt and save 50,000 as well. So I do have a question, since we did talk a lot about your journey to fire and your journey being able to retire at 36. So I love to hear what was your fire story? Like, like that exact moment when you checked out the deuces? Was it a dramatic walk out and here's my resignation, or how did that go? Because I'm curious.

Antoinette Munroe 23:39

Well, you know, they got me before I could get them. So my plan was to leave the job December 31. And like put in my two weeks notice and that's it. That was it. But August 4 2020, they call it and let me go. At the time, it was just like, okay, whatever. If I didn't take the job, I will be fine. But I wasn't prepared for that. So I had been like doing a lot of real estate investing in rehabs on the side. So I reached out to a contractor friend I had and I just, you know, immediately went and worked for him as a project manager. And then the time that I spent working with an entrepreneur, it just solidified for me like yeah, you know, he's doing what he wants with his life. He has full control over it. Me being here with him. Yes, it's more aligned to my interest, but it's still not mine. And so that was the final push of Okay. I need to go and do my own thing.

So in January, I kind of gave him the heads up like you know, start looking for backfill. I'm gonna want to move out of this role to just see what I can do on my own. And then by April of 2021, we parted ways. And I've just been like doing real estate investing full time since then.

Acquania Escarne 24:58

Okay, and how did travel fit into all this because we did say you did some travel hacking as well. And you got to go to some really exotic places. How did that fit into the semi entrepreneurship journey when you were out of your corporate world, but working with another entrepreneur or even while in corporate,

Antoinette Munroe 25:19

it was throughout, and I'll say this, you have to find things that make the journey bearable. Like if you get into traditional five spaces, it's a lot of sacrifice a lot of withholding and not having to get to this arbitrary number at this time, where you're still far older than you would like to be to live. And it's not enjoyable.

So for me, a part of maintaining the budget and lifestyle was to also live throughout the process, and enjoy the journey. So I learned techniques to use to be able to do that I learned about rewards points hacking, using credit cards, now, I am financially responsible, I pay my credit cards off in full. So for me, that was a real option, I could get a credit card, a travel rewards credit card, specifically, get a sign on bonus. And also know that my everyday spending, I'm earning more points.

So by using a credit card and putting all of my all expenses on that, of course paying the balance off in full every month, so I'm not paying any interest on this card. By the end of the year, I've earned enough points to go spend a week somewhere or to take a trip.

So finding strategies that you can use to supplement what you have. Again, it's not how much money you have, is what you do with it. So just the creativity of travel rewards hacking, I was traveling a little bit for work not not a lot, just a little, but I made sure to sign up for all of the hotel rewards programs.

So I could earn from those days whenever I did travel. So that alone, it just it added the supplement for it or traveling off season, focusing off flight deals, rather saying I want to go to this place at this time For this reason, I know where the deal takes me if a flight Bill pops up, I'm gonna do that. And we'll hop on that and then I should have some hotel point stash to be ready to take that trip. So it makes traveling attainable. I'm not like having to divert income from my investment or my savings goals to do this.

Acquania Escarne 27:25

I love that those are some really good tips. And as someone who travels very often, I now have status with Marriott. And one of the reasons I do is because when I traveled for my job for two years, and was away from my family for at least 75 Nights each year, I leveraged that to my advantage I use my work trips to do committed loyal stays at the same brand, that eventually I was able to accomplish that status with the brand. And it was only when I couldn't stay at that brand that I would stay at others, but I signed up for their programs too. So you look at my travel stuff, and you'll see like Best Western, and then you'll see Bon Voyage and then you'll see like, Holiday Inn. But if I was staying at a Holiday Inn, that was the best available option there. But I was like, if I'm gonna do this, I'm gonna get these points and see what happens. And in my case, I had started a lot of these loyalty programs in college or you know, when I would take one trip here, one trip there, and just held on onto those memberships, because lo and behold, it did pay off for me later. And now it's still paying off because with COVID, and so many benefits being extended while people weren't traveling. And then now I'm traveling again, I'm still able to maintain status. And people are like, how do you get free breakfast? I'm like, Oh, I have status? Or how do you get free upgrades? Oh, I have status. So when I travel with my family, I'm leveraging them, you know, the work trip I just did. I'm not leveraging the personal trip I just did. And I think that is so true what you're saying. But it is important that we're using credit cards that we are paying off, because the interest is not worth the points.

I tell people that all the time. If you're not able to pay the card off in full, then all you're doing is accumulating debt. And you're using these points, but they're costing you money, right? And that's not the way that we want you to pursue this strategy. But it is nice to be able to like cap a free vacation a year or only have to pay the taxes or something like that. So that's pretty dope.

Antoinette Munroe 29:43

Yeah, I definitely think a part of it is spending as much time as you have available to educate yourself on the resources that are out there for you. And to you know, find the path for yourself because if you're following Dave Ramsey, he's saying never touch a credit card. But we just talked about How super beneficial that is or how it can supplement your lifestyle without you having to earn more income, or sacrifice more. So take the messages that are out there, but do your own research, like find out what works for you. There's so much that I've learned over the last few years about resources and things that are available that we just, we may not traditionally have growing up

Acquania Escarne 30:21

Facts. And I definitely think like, I'm not gonna bash Dave Ramsey, I think he is good for those out there who need a beginning step plan. And they need to figure out step one, emergency fund $1,000. Step two, paying off my debt or whatever helps you get to a point where you're financially secure.

But I also feel like after a certain point in your financial journey, he may not be the person for you anymore, right? He could be the person that helps you get on track, but he's not the person that might help you get to the six figure real estate portfolio, if he doesn't believe in debt and wants you to pay off houses in cash. Well, people don't build real estate portfolios on cash. A lot of times you might take out a loan initially to buy that house, and then you're paying off that mortgage through house hacking, or you're leveraging your credit to get the house that you're gonna flip. So everybody's different. Everybody's comfort level is different. But I definitely think the key here is you're doing your own research, and doing what's most comfortable for you. And being consistent with that plan.

Antoinette Munroe 31:31

Right? Yep.

Acquania Escarne 31:33

So this has been great. Thank you so much for sharing your story, your journey and your transparency on you know, the reality was, you had two instances where you were fired from a job to help you realize that corporate America wasn't for you. But I'm so glad you discovered those moments because it allows you to eventually get to the life you live today. The name of the podcast is called The Purpose of Money. So I asked all my guests this question, what is your purpose for money?

Antoinette Munroe 32:05

I'll say my purpose for money is to fund freedom. And that is freedom of my time, freedom of energy, freedom of my interest, right? I want to leverage money to experience life, not be living life to get money.

Acquania Escarne 32:26

Okay, I'll come back to that. Okay, so, financing freedom, which you definitely have done, you use money to get to your own freedom. And that kind of leads me to another question. Oh, so what is a typical day in Antoinette's life?

Antoinette Munroe 32:43

Is that not that exciting? I wake I have this whole thing about waking up naturally, because in my career that was like, I could be starting work or at work by 5:30 in the morning, anywhere from four to 5:30 in the morning. So I have like a trigger, I don't want to wake up to an alarm. So for me, it's like I have to wake up naturally when the sun rises, and my you know, like, so waking up naturally.

If I'm being good with myself, I'm going to the gym and then walking my dogs. But if I have a real estate project or something new that we just bought, then there's some rehab that we're doing. So going over and checking on the projects. Airbnb is kind of automated, so that can run itself. It doesn't really require much. Check in there. But spending time with people as much as I can. So lots of lunches, on the phone with my mom, like, I'm not doing anything crazy or exciting, but I'm at peace with what I'm doing. And the day changes it just I'm going wherever the day takes me with only a few key tenets if I have a project going on that I have to maintain or keep up with.

Acquania Escarne 33:51

I love that and that sounds like a wonderful day. Before we say goodbye to my listeners. I'd love for you to share your website and social media handles so everyone can follow you. Where are you on the web?

Antoinette Munroe 34:05

I am on Instagram at fearlessandfreefi that's FI. And also the website is fearlessandfreefi.com. I'm working on a couple of giveaways for everyone. So if you join the mailing list, I'll make sure to shoot those out to you as soon as they're ready.

Acquania Escarne 34:22

Awesome. I love it. So guys, check it out. Check out the website, follow Antoinette now on Instagram. I'll include all those links in the show notes and make sure you know how to accomplish your financial freedom journey as soon as you can. Guys wherever you're listening. If you liked this episode, feel free to leave a five star review, share it with those who need to hear it too. And until next time, keep building generational wealth.

Thank you for listening to the purpose of money podcast. For more resources and information check out my website the purposeofmoney.com And while you're there please sign up for our newsletter so you have the latest information on new episodes and blog posts until next time keep creating freedom in your life today

Transcribed by https://otter.ai