"Inspired to Invest" Real Estate Investing Podcast

How To Manage Tenants, Protect Your Property & Build Wealth!

• Serena Holmes • Episode 59

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How To Manage Tenants, Protect Your Property & Build Wealth!

Welcome back to "Inspired To Invest". Natasha Feghali is joining us for episode 59.

If you'd rather watch this episode than listen, click here

Have you ever wondered how a seasoned real estate investor navigates the highs and lows of the market? 

Natasha is a multi-talented entrepreneur from Windsor, Ontario, whose journey from a pivotal moment on a movie set to managing a thriving real estate portfolio across Canada is nothing short of inspiring. 

Hear Natasha share her unique insights drawn from her background in education, entrepreneurship, and media, and learn how her family's deep roots in real estate shaped her path. You'll discover how she's strategically expanded her investments, from residential properties to storage units, and her future aspirations, including potential ventures into the U.S. and UAE.

In this episode, Natasha opens up about the real challenges and triumphs of being a real estate investor. 

From maintaining respectful landlord-tenant relationships and navigating rising mortgage rates to the stringent vetting process for potential renters, she offers valuable tips and lessons. 

Learn how Natasha successfully kept her properties and tenants afloat during the COVID-19 pandemic through mutual trust and collaboration. Emphasizing the emotional and financial rollercoaster of property management, Natasha shares her mother's wise financial adage, "Pennies make dollars and dollars make millions," reminding us all of the value of small gains in building a successful portfolio.

Don't miss this insightful conversation packed with practical advice and future market considerations!

To connect with Natasha, go to @nefeghali on social or https://natashafeghali.com

Thank you to The Wealth Club for bringing us this month’s episodes of “Inspired To Invest”. To learn more about them, go to @thewealthclub on social or https://skool.com/thewealthclub to sign up online.

Need support underwriting potential property investments? Check out PropertyCast.io - https://propertycast.io?via=serena

“Inspired to Invest” is proud to support the Beyond Success Program, a not-for-profit financial literacy program for students, launched by More To Give & MAK Investments. Find out more at @more2give.ca.

Join us again on Aug. 14 to learn how to invest in real estate so you can stop living pay cheque to pay cheque!

“Inspired to Invest” is proud to support the Beyond Success Program, a not-for-profit financial literacy program for students, launched by More To Give & MAK Investments. Find out more at 
https://instagram.com/more2give.ca & https://more2give.ca/beyond.

Thank you for tuning into “Inspired To Invest”, hosted by @serenaholmesrealtor & remember, "when you invest in yourself, the sky's the limit!"

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Speaker 1:

Welcome to the Inspire to Invest podcast, where we're sharing stories from real estate investors and how investing has changed their lives. This episode of the Inspire to Invest podcast has been brought to you by the Wealth Club. Everybody, welcome to the Inspire to Invest podcast. I have Natasha Feghali here with me today and she's joining us from Windsor, ontario. She has more than 15 years experience in education, entrepreneurship and media and, of course, real estate investing. She's a two-time graduate from the University of Windsor and a Stanford University Fellow in Democratic Policy and Rule of Law. She speaks not only one, two, three, but four languages, so English, french, croatian and Arabic, and, with her diverse skills and recognition of prestigious awards such as the Governor General's Award, making a commitment for global impact, she's an ideal and dynamic candidate, offering a very unique perspective on as a woman of Lebanese origins and also a very multifaceted professional. So thank you so much for joining us today, natasha. How are you?

Speaker 2:

Yeah, thank you so much. I'm fine, Thanks, I appreciate it. I. You know, when it asks for the bio, I put like a standard bio, but when I hear it then I think I should have just put, like you know, really likes going shopping, enjoys working out, you know, know, because it's like it wouldn't do you justice. And then it's like you start to feel like you know. You feel shy, you feel like an imposter, you feel like I'm gonna.

Speaker 1:

That person is someone, but I'm this person yeah, yeah, no, I hear that, but you don't want to sell yourself short. So obviously you have done a lot and you do have this diverse background, so maybe you can take us back to the beginning, where it all started, and how you segued over into real estate investing.

Speaker 2:

Well, actually, serena, I was born in real estate because my grandparents, when they came to Canada, it's all they really could do so they started buying properties and they were the like OG burrs, you know, back in the 1950s and 60s, and so this was passed down to my mom and then on my father's side as well, they also had, uh, real estate abroad and then, you know, my dad got involved in it as well in Windsor Ontario. So I was born into this and I didn't come by it say haphazardly maybe, like some people, or because I want to get rich quick or it's a big. I have been involved in rental properties and rental disputes and being a landlord from a very small age.

Speaker 1:

Yeah.

Speaker 2:

So I took an active role on my own in 2014 after I had. I was on a movie set doing makeup and it's interesting because there was a gentleman there and this is his full-time gig and he has a very large portfolio and he literally said to me if you don't figure out another way to make money, you're gonna bankrupt in life oh gosh and he schooled me in it more than I've ever been fooled before.

Speaker 1:

Yeah.

Speaker 2:

And I went with my mom my mother was my first lender, by the way, yeah and she told me when we got to the bank she was like every single penny. Right now that I'm lending you, you're going to pay me back, and not because I need it, but because you're going to learn that when you borrow to start a business, you have to pay those things back and you have to learn to run that business of yours. And I paid my mother every cent back and I've just continued to use different strategies, old methods and continue to grow, to grow my portfolio.

Speaker 1:

So can you talk about what your portfolio looks like today and really what you're focused on?

Speaker 2:

Sure, so we have doors across Canada. We have a federal corporation. We operate out of three provinces, so New Brunswick, calgary and Ontario. We're mainly based in Windsor, ontario, and Cal and Calgary, alberta, and then Moncton, new Brunswick, and we also have storage units that are on the property. So I've converted my garages into storage units for small businesses to store them. We don't do what we would call white storage, so that's anything cold. It's basically just things of theirs that you know they might need to put somewhere decorations, tables, whatever. Yeah, and I manage properties as well. We also invest in REITs, and I say we because I have an angel investor that I work with. Yeah, he is not as risk averse as I am, so I am more in the REIT portion than I would say he is. This is the angel investor and I don't. I say that because I have my own homes, like my own small portfolio, and then we have a like a medium sized portfolio together.

Speaker 2:

And so going forward, we're looking at investing abroad just to open up the doors of our portfolio and of our business and to kind of transition internationally, either in the U? S or in the UAE.

Speaker 1:

Yeah, I think that's smart. I mean, there's definitely a lot of investors that I've spoken to and you know, obviously the property values can be much lower. So even though you have the exchange, you're still buying things at a far lower price. And then there's also different tax advantages in the States you won't see here. So I think a lot of people are gravitating to various places. Like I've spoken to someone about midterm rentals and you know the Midwest part of the States, like you know really favorable cap rates in different parts of Texas and Florida and places that are more landlord friendly and stuff like that. So I think it is natural that as you expand, you start to explore those other opportunities. Now, when you look at your portfolio being Ontario, calgary and Moncton would you say there's any market out of those you like the most and if so, why?

Speaker 2:

All three have their strong points. What I've noticed, though, is that in Moncton, new Brunswick actually I'm in an investor's group, as we had spoken earlier, and there was a gentleman there talking about Moncton, new Brunswick and I had contacted him, and through that I learned more about it. Yeah, although they have a double property taxation, property tax is double taxed. Yeah, you can the amount.

Speaker 2:

There is no cap on rent raises yeah this is, and has been, amazing, because we can renovate our properties immediately. We can do what is needed. You're able to show the tenant while they're in the property.

Speaker 1:

Yeah.

Speaker 2:

Listen, we're doing this to make your life better, and everyone's on board. Yeah. And if they're not on board, you can file for eviction immediately.

Speaker 1:

Yeah, yeah, I mean, I think that's one thing, like I'm not going to say that you know we shouldn't take care of our communities and vulnerable populations and stuff like that.

Speaker 1:

I'm just surprised when you look at situations in Ontario where the property owner has far less rights than any tenants do, cause I think with reasonable notice like even if it's six months or 12 months, like I think if you own a property, ultimately you should be able to do what you want with it at some point in time, like it shouldn't just be some like moving target where someone stops paying rent and it takes two years to kick them out, right, or there's very specific grounds for it. So I don't know, that's obviously like my perspective on it. I think there's gotta be, um, you know, certain regulations in place, but I think it needs to be a little bit more balanced, because I feel like a lot of places just skew really far in one direction or the other. Now, when you say, when you look back at everything, what would you say are some of the biggest challenges that you've experienced as you've skilled? I want to answer this. I really want to answer this truthfully.

Speaker 2:

So I'm going to be really diplomatic the right people and positively affecting and helping the wrong individuals, which, in turn, is making a very serious impact that will affect all tenants, possibly negatively. Negatively, yeah, and it's very unfortunate because housing is a business, for better or for worse. It's a business and there is no other industry that you can go and just take whatever you want and leave. And it's interesting because I talked about this on my Instagram that why, why don't I go to my hairdresser and tell her every four weeks, you're going to do my hair and I'm not paying for it?

Speaker 2:

Yeah, and when we have that exactly, and when we have that type of attitude and the attitude of the landlord and tenant board, the attitude of the some, some tenants because I don't want to say that they're all that way. I personally have beautiful, beautiful tenants, however so that type of ignorance is affecting the right people and that is the right tenants who want to be housed and are excellent tenants.

Speaker 1:

Yeah, now what would you say are some of the things that you've done to quality control the people that you are renting to, because it sounds like you've obviously had good success. So are there any specific steps that you follow to make sure that you're, you know, avoiding maybe the professionals out there?

Speaker 2:

So I have a very interesting vetting process. I also have a beautiful property manager, so that's two sets of eyes. Plus, it also goes to the angel investor. That's a third set of eyes. We will often have have two or three meetings with the person or people that want to rent, and we do require a few documents from them, yeah, to ensure that they also meet. Not, it's not about me, it's not about my standard. I'm an investor, yeah, but because you're co-housing with others, I also need my other tenants to meet you yeah so that they can live with you.

Speaker 2:

Because I have people who have lived with me now, not in my home, but I say with me, because I treat them like human beings. They have been in our homes for 10 years. I can't disrupt that flow. So if you have a pet, your pet's got to come to the property and I'm sorry. If that's not okay for you, then we're not for you, because I believe in the people that have lived in our homes and they call me at one o'clock in the morning when things go wrong. You know they've had children, they're raising children in our homes. So I just can't bring anybody in there. And for better or for worse and you know, as you know, in the, in this business, I have a really thick skin and if people are not okay with that, well, unfortunately you, you cannot live in our homes, because I have to honor the people that do live there, because they've put in blood, sweat and tears with that.

Speaker 1:

Yeah, no, I mean, I think that makes sense. It's just like running a business, like if you have employees and you bring in you know, someone that doesn't mesh with the rest of the group or creates a toxic environment or something like that, it's going to disrupt everything. So I completely understand what would you say are some of the biggest obstacles that real estate investors are facing right now, or something that you've faced more recently.

Speaker 2:

Where do we start? Oh, where do we start? Okay, let's go with the obvious one, which is mortgage rates. Yeah that's pretty obvious Changes in the LTV. Some are great, some are not so great. Yeah, in Windsor Ontario we now have a licensing act. I mean it's listen, hey, it's fine, I'm for it, whatever. But when it's costing 500 a year per property, it shouldn't know. It should be 500 per landlord, yeah, and all houses should have to qualify before you can get it.

Speaker 2:

This is all going to fall on the tenants, unfortunately the cost yeah that's right, that's right, those, those raises will go up, those rent raises will go up. And so, unfortunately, I just feel like all of this is going to affect tenants in the long run and that's unfortunate.

Speaker 1:

Yeah, no, I understand that Now, in terms of things that you're most proud of, what would you say is one of your biggest successes?

Speaker 2:

I would say that my my biggest success, truthfully, although it was a really hard time for a lot of people, and I acknowledge that I worked really, really hard during COVID to keep my properties afloat and to keep people housed when they didn't have a job, when they didn't have work, and we literally were on the tightrope for two years straight. And because we worked with others, they worked with us, yeah, and when things went back to the new, normal people paid us back and that type of trust in others you know, I'm just thinking about it it takes your breath away because we could have lost everything and we had to work with our tenants and they had to work with us because they knew that they were going to be. You know, there's a lot at stake for everybody and, yeah, I just see that there's no award that can supersede that and the fact that I could keep these people housed and we were, like you know, on on the tightrope every month and I'm grateful for that. I'm really, really grateful for that.

Speaker 1:

I love that story, so I think it's a perfect opportunity to take a quick break for a word from our sponsors and we'll be right back. Welcome to the wealth club. Hustle smart for real wealth. Own the future. Join a thriving community of go-getters on the path to overall wealth. What's included? Live sessions with top coaches await you. Imagine having a virtual business mentor in your pocket, on the go for every aspect of your life. For just $30 a month, you'll get daily accountability sessions, monthly meetings and networking opportunities. And that's not all. You'll also get a community of coaches, monthly prizes and so much more. Become part of the 1%. Your journey has just begun. Join like-minded leaders and commit to the growth you need for your mind, body, bankroll and soul. Ready to get started, join the Wealth Club today to unlead your true potential. To sign up, go to schoolcom forward. Slash the Wealth Club.

Speaker 1:

Thanks again for following along with this episode of Inspired to Invest. In addition to real estate investing and running my own brand experience agency for 18 years, I also published a book called the Accidental Entrepreneur in October of 2021. This is my story and it chronicles how I turned tragedy into triumph to embrace my destiny in entrepreneurship. If you're interested in picking up a copy. You can find the link at serenahomesrealtorcom and you can also find my link tree with all of the retailers in the details below. Thanks again for your support. Have you always wanted to invest in real estate to build long-term wealth? Start today with just $10,000. Introducing Honeytree Real Estate Investment Trust. Welcome to the Temple Building, a mixed-use 0.48-acre site with 25 residential tenants and 5 retail spaces In the heart of Brantford, ontario. This property was purchased for $5.8 million and was recently paid for $6.470 million and an instant investor upside of $670,000. Honeytree is taking on a light, value-add strategy, adding AC, laundry and energy star-efficient appliances Coming soon to Honeytree Real Estate Investment Trust. For more information, go to honeytreegrowca.

Speaker 1:

Inspired to Invest is proud to support the Beyond Success program. In today's complex world, it's absolutely crucial for our youth to learn how to take charge of their financial future. We believe that every young person deserves access to accurate, practical financial information. Designed to bridge the gap, the Beyond Success program leverages a comprehensive educational boot camp to equip young minds with essential financial literacy skills. But beyond success, it's not just about teaching financial literacy. It's also about fostering a foundation for a prosperous and empowered future. Join us. Together, we can build a brighter financial future for the next generations. Join us Together we can build a brighter financial future for the next generations. Hey everybody, welcome back to Inspired to Invest.

Speaker 1:

I have Natasha Feghali here with us today from Windsor, ontario, and she's talking about her background in real estate and how she scaled her portfolio across three provinces. So she's in Alberta, ontario and New Brunswick. So I guess one thing I want to know I know you were talking about you know, going through COVID and oh, I think you just froze there for a minute. Okay, you just totally froze. So I'll start that sentence over again Because you're not going to like it based on how it froze. So before the break we were talking about Natasha's experience owning properties in three provinces across the country. So we have Alberta, ontario and New Brunswick, and before the break we were talking about your experience throughout the pandemic. So, with that situation aside, I know that was crazy, but what would you say is one of the craziest things that you've experienced so far as a real estate investor?

Speaker 2:

Oh, this is my favorite story, my tenant.

Speaker 2:

Oh, this is my favorite story, my tenant, my very, very special tenant, that I had who you know what's so funny, though, serena is, in the end, on the last day when she was being evicted, she actually cleaned the whole house for me. Yeah, she actually cleaned the floors and she left the house after she trashed the whole thing. She left the house in pristine condition on the last day and she was like she was like thank you for not being worse, yeah, and I was like okay, give me the keys, you're out. You know, that was an experience I've never. I've I've never incorporated that in my. I've never in my life gone through something like that. Yeah, ever.

Speaker 1:

And even with my parents, uh, properties.

Speaker 2:

Well, she was up to some really interesting activities. She was up to some really interesting activities and doing a lot of interesting things that are illegal in Canada and yeah, so, and behavior, think of like the most interesting and absurd things that you could think of. And that's what was happening in the, in the property, yeah, and you know it. Just it kept escalating and escalating, and escalating. But you know what happens? What I noticed and I don't know if you've gone through this too, serena is that you know, after about the fourth or fifth month of this back and forth, it kind of becomes like routine, like every fourth day I'm at the door, I'm checking your house, you know cause you want to annoy them so that maybe they'll leave or maybe they'll do a cash for keys, and she would just open the door and I would like walk through and there'd be all these people there and I'd be like I'm writing you up again, you know, and it it sort of started to become like a habit actually, you know, and it sort of started to become like a habit actually, yeah, you know, and so, or we'd have to call bylaw, so we'd all go there, call the police, we'd all go there. It just started, you know, because during this time it was also COVID, so I couldn't.

Speaker 2:

The eviction process was kind of at a standstill. Yeah, under normal circumstances it wouldn't have lasted this long, but due to covid, it took a lot. It took a lot longer. Yeah, and uh. Yeah, I'd never experienced this, even with my parents rentals something at this velocity of absurd. Yeah, and on the last day, she literally cleaned the house, because she is a professional tenant, by the way. She cleaned the house and she was like thanks for not being worse, which leads me to believe that I think other landlords are you know what. They just have it up to here and they're like that's it. I'm taking the front door off. Yeah, you know, that's it.

Speaker 1:

I'm taking the front door off. Yeah, you know that's interesting. So I know you said that you grew up in real estate and you know you come from a line of different real estate entrepreneurs and investors. So, when it comes to things like mentorship and coaching and education, can you talk a little bit about how you, you know, learn some of these additional things and maybe what communities you're part of? And, as a segue to that, what would you say is some of the best real estate advice you've ever been given?

Speaker 2:

So I'll break it down into three parts. When it comes to mentorship, I seek help from people who know what they're doing only, and I will also ask, okay, around me, other investors in my circle of influence who know what they're doing, because if people are not doing or are in the business that we're in, they don't understand the parameters of the LTB. So their advice is great, but I have to operate within these parameters. I mentor new investors because I also run property management, so I get a lot of new investors and I have to also massage their thinking to go along the lines of the LTB and what we can and can't do. Yeah, I have property managers on all my properties, yeah, so I also ask them it's a spider web for all of us? It's a spider web and we have to be hung humble and your ego has no place in this business, yeah.

Speaker 2:

The next part is I'm part of a lot of networks in Ontario, um, as well as the other provinces that I invest in, yeah, such as REIT networks, women in investing I have a Facebook page for women in investing in Windsor. It's a small thing, but sometimes we share news articles, different ideas here and there, yeah, and then I'm also part of other investor networks and I follow other investors like yourself, who I know know what they're doing, and I take pieces of advice from everywhere. Put it together like a puzzle. Yeah, the last part is that and I've made this mistake and I was getting high on the hog, like we talked about earlier is I sometimes like to dip into my own funds for things, although they're for the properties. They don't need to get done, but I just want it to look nice.

Speaker 1:

Yeah.

Speaker 2:

And the positive is that the tenants that I have are happy and they're living healthy and the houses are very well maintained. Yeah, the bad side is that you don't need to paint the porch every year. Yeah, yeah so and that's where me and the angel investor, we just we go head to head because he's like a true investor, whereas I feel like, well, it's got to look good, it's got to have curb appeal, you know. So that's kind of.

Speaker 1:

Yeah, no, I think that's huge because I think a lot of landlords get a bad rap and you know they probably let things go far past the point of meeting repair. But I think it's also just making sure you're taking care of things so it doesn't back up on you that way. But to your point about having tenants that have been with you for 10 years, they see this like they don't want to leave because we know that you're taking care of things Right. So I think that is reciprocal and it makes sense why you have those longstanding relationships Right. Yeah, Now, when you think about real estate in the sense of how it's changed your life, Can you speak to that a little bit and talk about what financial freedom means to you?

Speaker 2:

So real estate has changed my life because I'm always on call. I am sure you know what I'm talking about. We're always on call. We're responsible for people's living situation. It's not like you know, you go to a job, you get your check, you go home, everybody goes home, it's fine. No, no, people live in our homes. So we're responsible for everything. So that type of responsibility, I know, is not for everyone, because it's very overwhelming sometimes, yeah. And then there's the really positive moments when people bring home a new baby, you know, to one of your units and they, they call you and they tell you you know, we've got a baby here now, know? So there's that beautiful, those beautiful moments as well yeah it.

Speaker 2:

It is, um, it is definitely not a business for the faint of heart, and that's how it's changed my life, because when it was my parents and stuff, like I don't care, I just go there oops, you just froze.

Speaker 1:

For a little bit still frozen 10 11 years ago you just froze for the last little bit. Oh, um, so maybe you want to start back from you said, when it was your parents stuff and then that whole last little bit, maybe like 20 seconds was cut off.

Speaker 2:

Yes, when, when it was my, when it's my, when it was my parents, you know, I remember being a kid I would just go sweep the floor, stuff like that.

Speaker 1:

Yeah.

Speaker 2:

You know, my dad would be doing stuff, or my dad would have to go to the properties, whatever would be doing stuff, or my dad would have to go to the properties, whatever. But now that it's me, you know, 10, 11 years ago, I was a lot more bubbly and mushy and happy-go-lucky. I feel like now I can go from really smiley to grizzly in seconds, and so I think that that has really shaped my personality and changed my life.

Speaker 1:

Yeah, yeah, yeah. Well, I mean, you are running a business right, so I think there's a time and place for both sides In that respect. Would you say that you've reached your financial freedom goal already, or is that something you're still working towards?

Speaker 2:

financial freedom goal already, or is that something you're still working towards, serena? If you would have asked me this in 2019, I would have said, yeah, a couple more houses and we're good to go. Now I'm hoping for sunshine, better days ahead, and that that will affect all Canadians, actually, who are homeowners, um, but I think that there's still a lot of work to be done and still a lot of hustle in me and I'm exploring new markets. Yeah, so I would say no. No, I haven't, and I think I have a lot of growing to do as an investor because, as you just said, serena, we're business owners and I often forget that.

Speaker 1:

Yeah.

Speaker 1:

Because I have a lot of um, a lot of investors have, like I I hadn't actually my episode that's going on at the moment. I have this particular guest of mine because she's also a real estate coach. You know where she sees the problem with. Where real estate investors fails and it's because they lack the ability to treat it like a business, so they don't put the systems in place soon enough and get the support they need when they're growing their team so that they get to this size. The next thing, you know, things are falling apart because they didn't put the proper foundation and and things in place, right. So it's interesting, just that's right in in that respect.

Speaker 1:

And I think the reality is like we had this kind of you know the world kind of had a pause not to say you did during covid, but then everything kind of went crazy. You know, like gas prices were the lowest they'd been in ages. Now they're probably the high back up at the highest that they've been, but then that affects everything, right. So we had this little lull and then everything kind of went into overdrive. So I think it's going to be that much harder for people to get ahead, but I think that also makes investing that much more important right, and I think we just all need to keep that in mind with the decisions that we're making and how we choose to spend our money. Now, I know you did talk about looking at other markets, so can you talk about what's next for you and what you're most attracted to in terms of maybe your next steps with an acquisition or a market or an asset class?

Speaker 2:

So what I think is next for me? I really want to explore the international market. That's where I believe that I'm headed, because in some areas, they have made it a lot easier for investors to enter and to scale. There are pros and cons. There's no paradise anywhere. Yeah, there's pros and cons everywhere. However, markets that are new to me um, once you see that you can scale there and that people have been there for a few years and there aren't these giant you know catastrophes happening. I think it's time to investigate those markets.

Speaker 1:

Yeah, I think that's a good point. Just talking about, like, environment and catastrophes, you know, as I understand it, a lot of the insurance costs, like in Florida, have gone really up because of the hurricanes and stuff like that Right? So I think, as we are considering different markets, I think looking at the possible consequences of climate change in the coming years is going to have a really big impact, not only on investors, but obviously just people living in those areas and homeowners and stuff like that, right? So I think you have to be really strategic and look at all of those different things before you make those investments. In terms of favorite quotes, obviously the name of the podcast is Inspired to Invest, so I always like to ask my guests what is a favorite quote of theirs.

Speaker 2:

I don't know who said it, but my mother always says this Pennies make dollars and dollars make millions. Yeah, I love that. And who said that? I don't know, but I got that from my mother.

Speaker 1:

Yeah, that's awesome Wise woman. So anyone who wants to get in touch to learn a little bit more about you and possibly explore opportunities, what's the best way for them?

Speaker 2:

to reach you. They can reach me on my social media platforms and I have the same handle for all of them, and it's at N E Fagali.

Speaker 1:

Great, so we'll include that in the show notes below, of course. Thank you for your time, for being here today and for anyone that is tuning in. Thank you for watching. If you have enjoyed this episode, please make sure that you subscribe below and that you have followed along on social at Inspired to Invest podcast and remember, when you invest in yourself, the sky's the limit. Thanks again. Thank you to the Wealth Club for bringing you this episode of Inspired to Invest. The views represented on this podcast are for general information only and does not constitute investment or other professional advice or an offering of securities. The host and guests featured on Inspired to Invest make no representations as to the performance of any particular investment. Should you decide to make an investment, you are responsible for conducting your own review and analysis. It is recommended that you obtain independent legal accounting and tax advice from licensed professionals.