Helping Tyrone Shum Analyse his Freedom Formula: Part 3

My father wasn’t really that passionate about property, but he enjoyed buying a home and renovating it. I think that was where I got engaged in learning more about that side. 

At a young age, maybe 12 or 13 years old, and now I look back at it, I don’t even think this is probably even legal and is almost like child slavery, I was helping out with the renovations. So it might be as simple as picking up the soil at the front when we were doing the landscaping at the back and wheeling it around the wheelbarrow, or helping him drill some holes, or holding some of the hammers and tools, or even just helping with simple painting. 

Although I was quite involved at a young age, and my father is a very hands-on type of person, I didn’t know that he was actually adding value every time he was renovating the house that we lived in. Every time we moved, and I can’t say that we moved too often, maybe every seven to eight years, we moved into a bigger house and a bigger house and a bigger house. It was a combination of the cash flow from his business and the renovations that he did with the house. 

I clearly remember the place that we lived in when I was going to high school. We purchased the house for around $800,000, and back then was a good 20 years ago, so it was a lot of money. It was a very nice place, and I didn’t know it at that young age. I just thought, you know, Dad sends me to a private school, basement car, all that kind of stuff that you take for granted because that’s what you know your parents do. I was very lucky in that sense, and I always reflect back and am grateful that my father looked after us.

He worked really hard in a business for more than 20 years. I also was involved in the business to help him, and I noticed that as soon as we bought that place, the first thing he did was get straight into renovating it. I’m like thinking, “OK, dad, just hold tight. Let’s just settle in a little bit for at least a year or two, so we can sort of get comfortable.” But no, he went straight in. And pretty much after a couple of years with the business cash flow, he turned it into a very, very nice property. Years later, we had it valued, and it was sold for like 2.7-8 mil. And a funny thing which was really surprising for us was literally a year later, the people that bought it off us sold for 3.7 mil. So it wasn’t in a rising market. 

So that’s where part of the journey started, but at that same time, I saw that was happening in the property market, and I was also wanting to learn more. That’s where I reached out to Steve McKnight and joined his results programme. And at that point in time, I thought, why not just learn from an expert like him who’s bought hundreds of properties. This is where I got started with the positive cash flow strategy. 

I initially thought I’d buy a few of those and see how we go. So I did, and that’s where my first property purchase was. A simple $100,000 property that generated a positive cash flow, about 10% return per annum. So that was a good start. But what I didn’t know, and I didn’t realise this until many years later, was that I bought that one as positive cash flow, and you have to keep buying more and more of these. In those kinds of areas, you don’t get capital growth, so sadly after about five years of holding to that property, I sold it again. And yeah, it didn’t make any capital growth on it, but obviously with the cash flow that was positive cash flow, I did pay off some of the loan. 

That was an interesting one, and that was also mixed commercial: residential on the top and commercial on the bottom. So that gave me insight into what it was like to get into mixed property. I guess I was pursuing it more for cash flow because I was looking for passive income where I wouldn’t have to go back to full-time work and could run my business on the side. 

I started doing what we call sub-letting, renting a property locally around where we lived, and ideally, our best target was a four- or five-bedroom house. We would sublet it out to students around the area because it was more of the student target. In a very short period of time, I think about six months or so, I managed to pick up about five rentals and sublet them all out. This generated an additional, say $500-600 each week, which was pretty good, so I was happy with that.

So that’s where my journey started, but I got out of the market after a few of those because I just let them hold. We went and purchased our own principal place of residence, which we still hold, which is great, and we turned that one into an investment property. But at that point in time, I didn’t know too much about capital growth in Sydney, nor did I know much about it in Melbourne, Victoria. And when I purchased our principal place of residence, within say 2011 to 2014, that’s when I started seeing a lot of capital growth in that property. 

That’s when it really hit me. I wish I had learned the power of capital growth sooner. It’s only many, many years later, as I start speaking to a few of my other colleagues and friends, that I realised I could actually make a lot more money just by buying property, holding it, and then getting in the market where you can get capital growth without having to do too much work in it. 

And that’s when I realised, hold on, there’s way more to it than just buying a property and renovating it; getting cash flow from it is actually the power of wealth building. 

So during that time, I bumped into a few other people who were buying lots and lots of properties up in Queensland, in the sort of South East of Queensland, down in Logan and Woodside. I think a lot of those guys have a portfolio of like 20 properties down there and were getting really positive cash flow. And there’s also been capital growth. And that’s where I jumped in and realised, OK, this is probably an opportunity to learn more about building a proper portfolio that I could grow and build that asset base. 

As I’ve matured, I’ve been looking at a combination of trying to get a property that has capital growth while providing enough cash flow from the rental income to be able to cover its expenses. The last thing I want to do is buy property where I’ve got to put extra money in it every month. 

Upon reflection on my father’s property journey, he had purchased properties in Sydney that were really, really good properties that were very well located – but its timing was wrong. He bought a property at the top of the market, and unfortunately, that particular property he also sold at the wrong time. He, unfortunately, lost about $200,000 from that purchase. And imagine if he had held onto it for more than ten years. He’d definitely be making two or three times over. 

But then he bought another property that was in Birkenhead Point. By buying at the right time, it made more than $200,000 when he sold both those properties. That kind of balanced out at the end of the day, but it goes to show how important it is to take time. 

Right now, this current market that we’re in, from my experience, and I’ve been through three booms already in my lifetime, is not the best time to be buying any property at all. It’s a good opportunity to be waiting and watching and ride the wave. If you’ve got property to hold on to, if you need to refinance, or if you want to start thinking about selling, this is the perfect time to do that.” 

I think there are some really interesting reflections on what Tyrone shared. If I were going to be the devil’s advocate, I’d say that there are always opportunities in every market. I don’t want to discourage people from buying if they’re at the stage of the journey where, as Tyrone said, they need to build capital. I think there are always opportunities regardless of the market situation, and I’m probably less of a believer in timing and more of a believer in buying the right assets at the right time. 

In a really frothy market like the one that we’re in right now, you do have to be super careful that you don’t chase the market and you don’t invest from a place of FOMO. If you take a different approach to everybody else’s approach, there are still amazing opportunities to be found, but you have to be more measured and grounded about it. I talk to a lot of people who are investing from a place of “I’ve got to get on because I’m gonna miss out on the market boom,” but I do agree with Tyrone that it is a time to be cautious and careful. There are always good opportunities, but it’s more a function of how much time and energy are you prepared to put in to find those? 

Tyrone’s Current Investments

Since Tyrone has entered and exited the market a few times, I asked him to share what he’s got in play at the moment: what investments he’s actually holding. 

Tyrone responded, saying: “at the moment, I’ve got two investment properties, one in New South Wales and the other one’s in Victoria. One was initially our principal place of residence, and that’s how we got started in the market, and due to a few circumstances, we had to move out of that particular property, and we just went out and started renting. 

It was interesting because the timing was rough personally for our family to do something like that. The townhouse that we bought, which was a pretty large townhouse for a three-bedroom, was initially where I planned to raise our family. But as we grew, we’re now in a four-bedroom house, and it’s still not big enough for all the stuff that we have, especially with kids running around. 

I realised, gosh, actually the timing was good to take that step and move somewhere else to something a bit larger. We kept onto that, and it has substantial capital growth in it, so that’s been great in the market of Sydney, from when we first purchased it until now. The last valuation came back at $930,000, which was about six months ago when I got that one valued, and my debt is 300,000. 

We purchased it for $450,000, and while I could pay that off, I decided not to because I’d looked at it and spoke to my accountant, and it made sense just to pay interest on it and then continue to roll over and put the funds that you accumulate in there in an offset account, which it does offset at the moment. 

I remember, when I first purchased it, I went in with a low-doc loan because my income at that point in time didn’t show that I had enough to be able to get a full doc. So it was an initial struggle, and I remember that the monthly repayments were about two and a half thousand per month and that wasn’t too bad, but now it’s down to like 600 a month. Every year I’m paying tax on it – a good problem to have. 

So the property in Vic is a mixed residential commercial. That one there, I believe, is worth $900,000, I’m just waiting for the valuation to come back, but I would suspect it is because when we purchased it at $600,000, it increased its value of rental yield up to 10% already and market around there should usually yield about 7%. The debt is, let’s say, $650,000 because of all the costs and all that, so everything is fully borrowed on that one. 

Lastly, with alternative, I’ve got $400,000 out in the market at the moment, so on average, the ones that I’ve been getting a return on is between 25 to 30%. Let’s say, on average, it’s 25% just to factor in time and time out of the market. So combined income is about 120 to 130,000.”

Tyrone’s Investment Aspirations 

I asked Tyrone what the dream outcome from an investment point of view looks like for him. Is it about holding a certain volume of properties? Is it about a cash outcome? Is it about getting to a certain net worth? What are his aspirations? 

He replied, “for me, it’s not really about a certain amount of properties. When I first was delving into properties, I thought it would be great to have 100 properties. But after interviewing so many investors, I’ve realised that it’s not about the number of properties to hold, it’s rather the actual amount that will give you a lifestyle that you’d be comfortable living with. 

I look back at it and go, OK, what isn’t enough for me to live off? 100K is enough to live off, especially right now, I’ve done our expenses, and that’s quite a comfortable life for us to live in the Sydney market. If I were living overseas, it would be a different story. With 100K, I’d be living like a king in Malaysia or Thailand, but in Australia, I think for me, $100,000 covering all expenses would mean that I’d be pretty much financially free. So that would probably be the minimum. For a very comfortable lifestyle, I think I’d be looking at between $2-300,000 a year, and that is really my ultimate goal. 

So if I can look at generating a passive income per year of, say, 300 comfortably, 1000 from my investments, whether it be in the portfolio or whether it be from alternative investments, I’d be very, very comfortable. That would allow me to be able to spend my time doing other things I really want to do, like spending more time with my family or doing some techie stuff that I want to get into for helping the environment and generating clean energy, or green projects, because that stuff I’m really passionate about. I want to see massive changes for our planet because we’re going in a bad direction at the moment, and we need to make some substantial changes. So that’s my passion project down that track.”

Tyrone’s Current Game Plan

A lot of people I speak to have got clarity about the number – but not necessarily what would come after that. I asked Tyrone what his current plan is to get him to that point and when he thinks he’s going to get there. He’s got some capital to play with, some free and clear cash which is recycling through his current model, and access to alternative strategies. Is Tyrone’s game plan really clear, or is he being a bit more organic about it? 

Tyron replied that “it’s more organic at this point in time, hence the reason why I’m talking to you. It’s just very fortunate that I was able to meet some really great people through the podcast, so it allowed me to be able to come across a lot of these opportunities. 

When I first read Rich Dad, Poor Dad, one of the things he was saying was: build passive income. It’s always been embedded in my head. But the question was, where do you find these types of passive incomes? His examples in there are very basic, that he was getting year on year 10% return. And I was looking everywhere for them. I couldn’t find them in banks. I couldn’t find them in in super funds. I couldn’t find him anywhere. Obviously, we could do it through property, but that was through capital growth, and sometimes you just can’t access that growth or that capital very quickly. Sometimes it takes ten years or so for that to happen, whereas what I’ve now discovered is that there are lots of different opportunities out there through alternative investments to be able to access that kind of return in a short period of time rather than to wait for ten years. 

I could probably access it within, say, 12 months or so and then allow me to compound that much quicker. So I’ve been very fortunate in the last two years, as the funds I’ve been doing have been because of the compounding effect that’s happened so quickly. Also, I’ve generated a lot more cash flow through the business, and I could actually just reinvest that. Whatever positive cash flow I have or excess cash I have in the business, I’ve just been constantly reinvesting to compound it.”

Freedom Formula Exercise

Most people come into the workforce, whether it’s their own business or otherwise, and they intellectually understand they should be building assets. They go away, and they hope that sometime in the future or at retirement, and I use this word very loosely as most entrepreneurs think of retirement as a dirty word, they’ll have a nest egg of some variety, some capital. 

Now in the journey to get there, people are often prepared to tolerate negative cash flow when they first start out. Let’s do a blue line here, and say the blue line represents living expenses which go up gradually every year. When we first get into investing, we’re OK to tolerate negative return. That’s pretty commonplace, and what we’re hoping for is that by the time we reach retirement, and I should point out even though I use the word loosely, it’s like when you get to choose whether you work or not, this could be age 30 or age 65, is that your assets are generating way more income than you actually need.

The hope (that the pink line, which represents the cash flow coming off your investments) is at least equal to your living expenses. Unfortunately, the reality that I’ve witnessed after 12 years of working with hundreds and hundreds of investors is that the income coming off your asset base is less than what you need to live. 

Now, the unfortunate, sad part about that is if you’re in a situation where you have a negative gap, the only alternative that these people have, and I’ve seen it time and time again, is to sell down those assets. I don’t want to be grim about this, but let’s imagine this represents death. The hope becomes this: I really hope that I end up with enough capital to last me for the years that I live. 

The unfortunate part, or fortunate, is you don’t know when you’re going to die. So what these people who have that negative thing hope is that before they die, there’s still something left for them to leave behind. Unfortunately, one of the reasons I think Australians and New Zealanders are not getting wealthier is because they get to a point where they have to eat the cow. 

The reality looks like this, and I’ll call this dependency. Dependency is where you basically run out of assets and capital before you die, and then you end up having to rely on your kids or the government or whoever. The flip side to this, though, is that if you were in that lucky territory of having enough income coming off your investments when you decide to retire, as long as you can stay above that line. 

Let’s imagine from this point in time you decide, “I’m not going to hustle as hard, I’m just going to reduce the intensity of my investing efforts, and maybe the trajectory of those assets is less steep from that point.” The big takeaway that I want people to understand is that this here is where legacy lives if you can maintain an investment asset base. 

The goal of the game that I play is, how do you structure in a way that makes it so much easier for the recipients of your wealth in the future to actually keep it going? To not leave them in a situation where I’ve heard about many people investing in $10 million properties in the eastern suburbs of Sydney, and they have no choice but to sell because they can’t afford the rates and they need the money. 

So if I think about the role of alternative, this is where it gets very sexy. Let’s imagine this is today, and this represents plus five years from today. The goal that I’m trying to have with people is for everybody to recognise the three parts of the game. 

1. The first part of the game, let’s do this in purple, is I need to build some capital. And so Tyrone has done that piece. He’s already built the capital. 
2. The second part of the game, which I think is the piece that most investors are not aware of, is changing the trajectory of the income. Instead of waiting 20-30 years for those two lines to intersect organically, let’s change things and make them intersect quicker. 
3. And then the third part of the game is to build annuities. Now when you look at this, I just think how awesome it would be to put yourself in a situation where you own an investment portfolio that is generating more income than you need to live, well before retirement age. That sounds very, very sexy. 

Tyrone is already playing part two of the game. And in fact, he’s suggested that he’s creating way more income than he needs to live already, so for all intents and purposes, he’s developed that level of financial freedom that most investors don’t have. 

My observation, and if I were to look at his situation to pinpoint the vulnerabilities, I think he’s possibly not as well diversified as I think he potentially could be. I believe that true wealth and financial freedom are coveted by a few, and it’s because they know the ultimate secret is really relationship building. And the reason that people come to Tyrone and me is they want to leverage the value of the networks and trusted relationships that we have. 

So Tyrone is already doing all the right things. He knows he’s going to get to a point very soon where the flavour of the game will change, and the focus will become more on how to take the income that he’s getting and start to focus more on converting those into annuities, meaning income streams that just run forever rather than stopping and starting. 

Right now, he’s reasonably active. The sorts of deals that he does do require effort, and they come to fruition over and over, so the game for him is now figuring out how to transition into part three.

Tyrone reflects, “Yeah, it’s fantastic, and I can really, really relate to what you’ve just shown to me. My knowledge behind it is not as strong, so I would love to be able to generate a little bit more understanding of how that side works because now I understand and I see why some really successful investors built such a large portfolio. 

10-20 properties produce a regular or continuous income. As long as the property manager’s looking after properties and tenants in there, that’s pretty much long term wealth. But I guess in my situation, I’ve only got a very limited amount of properties in there, but I’m using very active alternative strategies to be able to build up even more capital and compound that faster. 

But I want to put that back into either paying down my portfolio, which will generate, I did a quick calculation, the equivalent actually of what I’ve been earning passively. So if I pay to bring it down, I should get at least between 10% to 11% of the portfolio worth. The portfolio is worth the vicinity of 150,000 in income if I decide to pay it down, but I don’t know if that’s a wise strategy.”

My advice to Tyrone is that I think the game he’s playing with the alternative space at the moment is incredibly lucrative, but it requires a high degree of activity from him. When he moves into part three, the ultimate game is to figure out how to build predictable, sustainable passive income from a multitude of diverse investments from a strategy point of view, geography, liquidity – those give you leverage that helps you develop a legacy. 

Part one of the game is to build capital, there’s no avoiding it. I can certainly support people in that part of the game, but the place that I choose to kind of focus on is part two and part three because I think that’s where I can give the best value and the best ROI to people. 

But please don’t feel that the foray into alternative investments is where you have to begin. It isn’t. There are opportunities to make fairly substantial amounts of capital growth and ratchet up in net worth. In less than ten years, you could do something meaningful. But there are so many people trying to fish from a very small pond. 

At some point, Tyrone will need to broaden his approach. He and I both know people, we have mutual contacts who have portfolios in excess of $20 million, and they’re on negative $300,000 a year cash flow because their worldview is, “The only way I’m going to hit my goal is if I continue to ratchet up my net worth.” 

What I’m saying, which is fairly contrarian, is you don’t necessarily need a huge net worth. What you need is capital that actually works for you, even if it’s just a small percentage of your capital that works at a reasonable level. 

Tyrone is chasing deals that offer phenomenal returns. I’m a little bit more conservative, so I’m looking for typically 8 to 12% net returns. I’m happy with that because I’m in stage three now, which is, I’ve got enough property. I do like to dabble in the odd development, but my focus is how can I take the income that I have and just convert it into annuities?

Analysing Tyrone’s Formula

Building wealth is not rocket science, but it’s not easy. And if I were to look at Tyrone’s situation, the dilemma that he has is he’s using alternative investments to not only generate strong income but there’s an element of, “Let me just use it to build some capital rapidly as well so that I’ve got one foot in each camp.” Part of him might be torn by the idea of continuing to build his capital base, but intellectually he understands the long game is about building those cash flow and income streams. 

Tyrone has done a fabulous job, and I definitely think his podcast has given him access to some really good people. I think the lessons would be about distinguishing the wood from the trees, and one of the biggest challenges for investors is distinguishing between marketing and what’s real. Tyrone would be one of the less green people in that regard as well, so I think he knows he’s doing all the right things. He could put his feet up tomorrow, but I think the stability in his portfolio could do with a little bit of reinforcement and just a little bit more of a diversification play. 

The question he needs always to be asking himself is, “Do I trade time to build a bit more capital or do I just knuckle down and start building those annuities now?” And that’s always a personal decision. My role as I see it is never to be prescriptive. It’s always just to provoke you to think about those sorts of things and ask you the questions which will really help you bring clarity to your actions. 

The biggest challenge that most investors have is they invest blindly. They listen to what the media says. They listen to the conversations that go on in the property world that are all about more is better, and whether you’re worth $5 million or $10 million, it’s irrelevant if you don’t actually have that capital working for you. Far too many investors, in my opinion, carry big fat lazy pandas, meaning high-value assets that just sit around and eat and don’t do much for you. 

Tyrone says, “Yeah unless you cash it out, it’s pretty pointless. It’s like in the startup world and the tech world. There are a lot of times they come and look at the company, and they say, oh, this company is valued at $100 million. But ultimately, its evaluation isn’t a true value until they sell it to another company to actually cash that up. 

You could literally be sitting on a negative cash flow in the business for $100 million, but that’s useless because you think these companies have just started up and started generating, so that was a waste of 100,000,000. But they’re constantly saying we’re running out of money because we just can’t pay all our staff down. It’s the same issue here: it’s great to have a huge net base, but if you can’t access that cash flow to be able to sustain or ultimately pay for a lifestyle to keep living, then what’s the point of doing this portfolio? 

Ultimately, from my perspective anyway, I thought I’d be building a portfolio so I could have financial freedom and passive income. I don’t have to worry about covering our daily leads, I can focus on other things like giving back, helping people, even to be able to help out with my extended family. My parents are going to retirement, and my wife’s will go into retirement in a month or two, and unfortunately, just their Superfund alone isn’t enough going to be enough to cover their life. 

I grew up in a very middle-class family, and my father built up a great asset base. But looking back, he’s still working full time, and he’s like 60-something now. But he’s got such a large asset base, so I just scratch my head and wonder, “How does that work?” And that that’s why I flicked it on that coin. As I’ve just mentioned, I’ve only got two properties valued at 1.5, but the income that I’m generating from the alternative investments, and potentially if I sold everything down and paid things off into the portfolio, there should be enough to cover me and be financially free.”

I just want to point out to Tyrone, and everyone else, that there’s no right or wrong way. The exercise and the journey of investing is to decide what is most important to you and what kind of a provider you are. Are you someone who, like Tyrone, has to think about not only providing for yourself, but you’ve got your family, you’ve got your parents? You possibly have siblings that haven’t done as well as you, and so the journey of, and I use the term loosely, a Freedom Warrior is having influence and impact in their tribe. 

It’s not just about the self and getting to a point where you could sip Pina Coladas all day, every day. It’s really about what kind of a leader do you want to be with your wealth? There’s not only one dimension; there are many other ways to create a legacy and have an impact. But if you’re talking about wanting to effect climate change, that requires bandwidth and time and energy. And so, not having to worry about your baseline living expenses is part of the journey.

The Freedom Mapping Calculator & Further Strategies

One of the questions I often ask people is, “How much time do you need before you’d like the freedom to choose whether you work or not?” Typically my goal is to get people to a place of financial freedom within five years. 

This little calculator is a really basic calculator. If I went out and I put it into a series of opportunities that would earn me say a 10% return on average (some deals may give you 12% and some 8 and some that are 15 and some that are 18, so let’s say average 10.) And then you had a capacity to find dividends in your business of, say, 100,000 every year to boost your investment. But you kind of went, look, I don’t really need that money for the next five years. 

So the first decision is, can you afford to reinvest for at least five years versus pulling money off the table? And most people would say, yeah, I could get back for five years. This calculator shows that if you took that money and reinvested it every year, by the end of year five, that would be throwing off a $125,000 annuity if you did it well. 

There are no other methods out there – and I feel like I’ve tried it all. I’ve tried developments and all sorts of different things, flipping properties and buying holes and all sorts of stuff. The methods around the alternative investment, if you diversify really well, if you work with great A-grade operators, if you really take the time to make sure that you’re the one making the decisions, and the quality of the people that you work with are going to give you access – that’s what’s going to give you the edge. 

This is not complex, and this is just meant to give you a flavour of what’s possible. This isn’t as lucrative as the stuff that Tyrone is doing, but this is more about that transition to: “I don’t want to hustle so hard. I want to take on less risk. I’m looking for cash flow” so this isn’t a fit for everyone. 

Tyrone needs to decide what is important to him right now and his timeline. I say, look, let’s try and get you to where you want to go in five years or less. Your journey is that you’re probably sitting on what I would call a minimum viable capital balance. The decision over the next period of time is, do you keep one foot in each camp? Do you continue to allow your capital to build in the background while also building cash flow and annuities? Or do you just go: now I’m done. I’ve got enough capital, I don’t want to do that. And no one can make that decision for you.  

Tyrone confirms, “That’s definitely me. You’re giving me some ideas to think about because ultimately, what I do want to do is have these annuities put aside and just not have to worry about them, and they’ll be covering all the extra things I put my time and energy into, like other projects I want to do. 

What I’m currently doing at the moment is fantastic and I love what I do, and that’s why I’m still also working at the university because I’m passionate about what I do there too, so it’s actually just good to have both at this point. But, there will be a firm time when I go OK, it’s going to be too much, I don’t have enough time. And time is the problem at the moment, it’s not about the capital, it’s the time to be able to put effort into it.”

I feel first and foremost I’m a strategist, and I think that the challenge I face is that when people speak to me, they start with, “Can you show me the deals,” and if you think about the exercise that we’ve shone the light on today, I think there are some questions that need to be explored and answered before Tyrone worries about what the deals are. 

Unfortunately, I think our culture has evolved so that we think if we found the right deal, that would solve the problem. But I feel like you’ve got to think about what the game is. What game are you playing? What’s the strategy?  

Tyrone agrees, “That’s definitely true. What you’ve said there, and it’s made me think as well that I’ve got to take a step back and work on the strategy a little bit more and then fit the deals in, because as you know, deal flow for me is not a problem, I can get access to those deals quite easily and a lot of investors who work with me as well get access to those deals too. 

It’s now just really consolidating and understanding what this goal is. Make it even more succinct, and then put that strategy in place on how to achieve it in the next five years or probably less. And that’s where my numbers brain logic wants to pull that spreadsheet and start punching some numbers in to see what it looks like.”

Key Takeaways

If you need to go and look at the videos for some of the sections that we’ve talked about, I think that could be useful, for sure.

If you’re interested in understanding how to create wealth through alternative strategies,  please check out my programs, where I help you catapult your investment income and blend strategies to shave decades off your timeline to financial freedom.

Or, you’re welcome to get in touch today, book a call with me, and I would be happy to talk you through it – no obligation!