Many brilliant men are doing so many brilliant things, yet many of them can’t say that their family’s most important financial information would be easily found if something happened. Many of them don’t even have a written will. Learn how to remove the stress of not being prepared financially for you and your family and prepare to think about things you haven’t thought about before as host Marco Santarelli is joined by successful real estate investor Jay Gabrani to talk about financial preparedness and getting your financial house in order. This is an episode you don’t want to miss.
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Financial Preparedness – Is Your Financial House In Order?
Being a father who was responsible for their family’s financial decisions is a task that we were never trained on. Many brilliant men are doing so many brilliant things, yet many of them can’t say that their family’s most important financial information would be easily found if something happened. Many of them don’t even have a written will. The sad truth is that your family will have to deal with the financial stuff. Wouldn’t it be better to remove the stress of not being prepared financially for you and your family? That’s what we’re going to learn now and this is not an episode you want to miss. You’re going to think about things you haven’t thought about before. It’s my pleasure to welcome Jay Gabrani to the show. Jay is a successful real estate investor and the Founder of Prepared Fathers. Despite several challenges along the way, Jay built himself a multi-seven-figure real estate portfolio and he is also the person who turned a personal tragedy into a mission and empowering and fathers to secure their family’s financial future. Jay, welcome to the show.
Marco, it’s great to be with you.
I’m glad you’re here. You have a very interesting story. I don’t exactly remember how we connected, but somewhere along the way, we got into a conversation on the phone and I thought it was an incredible story. I want to share it with our audience because you have a lot to contribute, especially to people who are fathers who are thinking about our financial future, especially for our kids. Tell us a little bit about yourself and your whole story.
I’m located in Toronto, Canada. I was born and raised here. I went to university in the early ‘90s for chartered accounting. The reason I did that was simply that I promised my parents that I’d never work for anyone else after the age of 25. They rolled their eyes and then they said, “Just go get an education.” I went and got that education. The day before my 25th, I went and did all the exams, got my designation and became a professional accountant. The day before my 25th birthday, I left the world of accounting. Let’s say in the twenty-plus years since I’ve been on my own when it comes to entrepreneurial ventures and real estate investing. I’m a single father of three kids and I enjoy what I do and look to impact fathers who want to secure their family’s financial future.
Jay, you were talking about a tragedy that happened. I know it’s part of your story so you’re willing to share it. Why don’t you tell us what happened? I call that a defining moment. It changes the course of your life and changes the trajectory of what you do and how you look at everything. Tell us what happened and then tell us why you ultimately took a four-year sabbatical.
It’s a difficult story to tell, but I’ll back it up by saying that one of my highest values is genuineness. I know people go through ups and downs, all your audience is going to have certain challenges in life and building their portfolio, so this was mine. I got married in 2004 and got my three kids. Life was busy at home and back in 2011, my wife had an unfortunate little slip and fall and she hurt her back. The next day, she went to the doctor and she got prescribed to some pain medications called OxyContin. I don’t know if you know much about it, but she didn’t know anything about it and I didn’t know anything about it. She went on a three-year path. It was a very slippery slope path where she became unfortunately addicted to these things.
With the kids, there was a lot of postpartum depression involved. After a few very difficult years, she made a decision that affected all of us and she decided that she didn’t want to be here anymore. My children were five, seven and nine at the time. Overnight, I became a single father of three kids. Because of my real estate investing, that is what allowed me to take a four-year sabbatical. I was always the outward-focused spouse with the real estate investing business and my wife was always the inwards-focused spouse, the kid’s cycle, domestic cycle. Overnight, all of it became my entire responsibility and I needed a lot of time. I need time to mourn. I need time to readjust my life, my schedules, my routines and all of that. I needed the time to just be with my kids. That is what led to the sabbatical. When the cat was in a little battle and they’re wounded, they go in the corner. They curl up, they lick their wounds and try and figure out what’s next. That’s exactly what it was like for me. That’s what led to the sabbatical. You can talk about whichever aspect of that you want.
What happened when you came back over the sabbatical? First of all, I’m sorry to hear about the story. I know we’ve talked about this before, but it’s not something you typically hear every day and it’s hard to listen to. By the looks of things, it’s made you a stronger person. You’ve got this incredible mission. Post-sabbatical, where did your trajectory change when you got back? What was the turning point?
During the sabbatical, one of the things we talked about was preparedness. My wife and I had wills. Right when my first child was born back in 2005, we set up wills. After she passed away, I was the executor of her estate. That was the start of the process. You have to understand that I was educated as a professional accountant. I’m a lifelong entrepreneur and real estate investor so dealing with lawyers and contracts and numbers are my thing, but I had problems being the executor. There were simple things where I didn’t know all the passwords. I didn’t know where safe deposit keys were. You think that as the father or as the one responsible I would know these things, but I didn’t.
That’s fine. I got through that during the sabbatical, Marco. Then I had a couple of these questions. I met other fathers during my sabbatical and we would talk about these things. It was such a devastating day for me and the whole process that followed. I would ask other fathers, “If something happened to you or something happened to your spouse, what would happen?” With nine out of ten fathers, they wouldn’t have known what to do. It would have been a very bad situation. They themselves, when it comes to their own financial organization, they might be responsible but their own paperwork where their assets are and all of these things, they did not have a very good handle on. The risk is if something happens to you, then what would your spouse and family do?
During that sabbatical, I talked to other fathers and then I realized that they would need help here in terms of preparing their finances and getting themselves organized. That is what led to Prepared Fathers and the mission that I’m. If I can help fathers get strong in this area, then they can train their kids to be strong in this area. A lot of the financial problems that we face right now in society, maybe we can slowly start to erode them like taking on heavy levels of debt, not making good investment decisions and that type of stuff. From the sabbatical, that is what got created.
What you said is exactly what hit me between the eyes and made me think that there’s got to be a lot of fathers out there that don’t even have a will yet, let alone a financial plan. It got even me thinking, “If something were to happen to me, where would my wife go first?” We have safe and other things, documents are filed and we’ve got it all organized, but it doesn’t mean that it’s complete or 100% correct. That made me think, “There have got to be a lot of fathers out there or even wives that don’t have all these things put together organized in a plan for the day if and when something happens to them.” This is why I think it’s clearly an important subject. We’re talking about financial preparedness. What does it mean to be financially prepared? People out there are thinking it’s a will but it’s more than just a will.
There are life’s curve balls. These are death, divorce, disabilities, job losses and recessions. These types of things are examples of life’s curve balls. When I talk about financial preparation, I talk to fathers like, “Are you prepared for any of these things happening?” That doesn’t always mean I have lots of money in the bank. It may mean having proper insurance coverages. It may mean having the proper paperwork filed, organized and available to your key stakeholders. Let’s say you end up in a hospital and can’t talk for something. Your spouse needs to know, “Where do I go to get all of my most important information?” That type of stuff is all of the layers of preparedness. When we talk about traditional financial planners, they say, “In 30 years, you’re going to have this many living expenses. Starting with the money you have, we have to apply growth.” All of that stuff is irrelevant.
It’s not even a matter if all of us get hit with life’s curve balls at one point or another. It may not be immediate but are you prepared? If something happened life-wise, do you have insurance policies that your children will be able to get money and not be in any financial trouble? If you get disabled, does your wife know where to go for the medical coverages and where all your stuff is? That was a big question for me. After she passed away and during my sabbatical, I had that question. I’m like, “What would have happened if it was me, the one who was in charge of financial stock, the one who was responsible for it and who knew where everything was?” The answer was very saddening because if something happened to me and it was up to my wife, unfortunately, she wouldn’t know where to begin. I want to change all that. I want to make sure that fathers get prepared. I want to make sure that fathers are ready. The peace of mind they’ll get, that is what I’m looking for. They’ll get peace of mind. They’ll feel, “I’m ready. I’m prepared.” Then they can share that with their family and their children. I want the positive cascading effects of it all. That’s the mission behind everything.
Is this more about ignorance or is it about irresponsibility or negligence? What would you say it is? One is knowledge-based and one is knowing about it and not doing anything about it.
I have a little checklist that your audience can grab. One of the pages in there talks about, “Are you financially ignorant versus financial negligence versus financially prepared? It’s very simple. You’ve already highlighted it. There are some fathers out there who believe, “Nothing is going to happen to me. Everything will be fine. I don’t need this or I don’t need that.” That’s pure ignorance because ignorance is not bliss in this situation. That saying itself is silly. We live in a first world country and right underneath oxygen, we need money. We need to be prepared. We need to have resources or prepare for resources to get more resources. The ignorance comes from believing that nothing will ever happen to you and that you don’t need anything.
With negligence, let’s say someone before our conversation would be considered financially ignorant. They didn’t know. Once they hear what we talk about, they have to take some steps to get financially prepared. If at that point they choose not to do anything, now they fall in from financially ignorant to financially negligent. They have the knowledge, but they are not taking the actions and steps. They’re not willing to put a little bit of thought. It takes a little bit of attention. That’s exactly the way I classify it. It’s ignorance versus negligence versus preparedness.
Now that we know what financial preparedness is and where it could route from, where does a person begin to go down this path? Now we’re aware of it. We may not be doing all the things we need to do or maybe we don’t even know what those things are. Where does the person begin?
I have a checklist prepared for your audience. It’s a three-step financial security checklist. They can feel free to download it free. The first thing I’m going to suggest to all fathers is if you have assets of any sort, you must have a will. If you have children, you must have a will even if it’s something simple like off of LegalZoom. Some people are a little bit of budget-constrained. They think, “I don’t want to pay a lawyer to get a will.” Once you own a house, maybe you have some pension assets or some investment account, those are assets. If something happens to you and you don’t have a will, your government is going to take a lot bigger share of your assets than they’re entitled to that if you did have a will. That’s the number one step. If you can afford it, go to a lawyer and get your will set up for your spouse and yourself. This protects your children a lot. If you can’t afford it, go online. I’m not a believer in the do it yourself model when it comes to these things. I do think you have to rely on professionals.
Let’s say maybe you are a little budget conscious and you want to go online. You can go online, fill in some blanks off of a template, take that template and then go take it to a lawyer. In that way, the lawyer is not creating it for you, the lawyer is checking it for you. You pay a lot less, but at least you get legalize on it. If you can make sure you have a will as a father stating that the assets go to your spouse and your children in case something happens to you, that will minimize any probate or estate taxes. You’re still going to have to pay them if something happens to you but at least you’ll minimize it. I’m going to encourage fathers to take this next step especially if you have young children. This was a big mistake I made. This is a personal experience. I did not have life insurance on my wife at the time because I never thought anything like that would ever happen. I was in the ignorant category. I just know that life insurance is there. Hopefully, you’re not going to need it for a long time but I chose not to even get it. I made a huge mistake.
I was able to take that sabbatical because I had a real estate portfolio to fall back on. If there are fathers out there who are starting their portfolio and if something happened to them, they may not have that portfolio to fall back on. You need some insurance programs, a life insurance program, a medical insurance program and critical illness type of stuff. At least when your kids are young and as they get older, maybe you don’t need them as much because your kids are developing their own skills and their own asset bases. When they’re young, that’s the second recommendation I would make. Look at your insurance policies. A good insurance broker will help you out. You’ve got to get someone in your area who understand your situation, who comes referred. That’s the best recommendations I can give.
Like any professional that we want to add to our teams, preferably get someone who’s referred. Preferably get someone who even deals with real estate investors and can understand your situation. The third thing is having your stuff in order. Even though I was trained as an accountant, I was like this before the apps to organize all your information on phones. My stuff was all over the place. I had some file folders, I had some things that were online, I had mail coming in, which was messy. From my research, 75% of families, it’s the father who is still in charge of the finances. There are a lot of things that a lot of fathers were never trained on it. My mother in my own household would have no idea about any financial stuff whatsoever. It was automatically given to my dad.
It’s the same thing when I got married. It was given to me. If there are other fathers out there who were never trained on it, they are cluttered. They’re all over the place and they never get any certainty of their financial situation. As an accountant, I find that not cool. You’ve got to know where you stand. If you want to be a real estate investor and you want to borrow money, you need to know where you’re at. What are your assets? What are your liabilities? How much money do you bring in? Get organized is the third step.
A lot of us will refer to all that as a personal financial statement. If you have a financial statement, you know what loan, what you own, what you owe and where you stand. In putting all that preparedness together, there’s an intangible asset that comes out of that and that’s this feeling of relief and not feeling stressed or wound up by the fact that you don’t have things organized for you or your family. It’s the whole Feng Shui thing of organizing your home so it’s a relaxing environment. If you do that with your financial housekeeping, the stress is gone. There’s no stress. It’s great.
It’s a wonderful work that we incorporate leverage all the time in our real estate. We put in $1 and the bank will give us $4. In this case, you may download the checklist and you take some steps. Once the work is done and you’re prepared, then you review it annually. There’s no real major work to be redone. Once you have all your stuff in order maybe around tax time every year or if you have a corporate year end around that timing, you just review your paperwork and review your situation. That’s great leverage and wonderful peace of mind. I ask other fathers, “My experience was my wife passed away and I was able to take four years off. What would you do if unfortunately something like that would happen?” I’m asking the audience to think about that. Would you be able to take some time off or would you have to go to work the following Monday because you’re not ready? I need fathers in your audience who think about that. It’s our responsibility. Sometimes it’s assumed and sometimes it’s inherited, but it’s ours. I want to help fathers be the best that they can be when it comes to that area. I know that if I help them, then it will be good.
What would you say is the largest enemy when it comes to securing specifically your family’s financial future, not just you personally? What is their biggest hurdle or enemy against that?
Unfortunately, it’s themselves and their lack of awareness towards it. I’ll give you an example. I have a brother-in-law. He’s a good guy, he has a good job and all that stuff. He regularly contributes to his pension plan at work. I asked him, “What’s your money invested in?” He’s like, “I’m not sure.” I go, “You’re giving your money to these people and they’re investing it. You have no idea what it’s invested in. You don’t know the risks of it and the benefits of it.” He’s like, “You’re right, I don’t.” This is a guy with two young daughters. He needs to prepare a lot of things but he’s not certain. That is the biggest enemy, Marco. It’s just their lack of awareness that it needs to be done.
Once the process happens, you will get that sense of security and relief and some certainty. There’s some certainty that if something happens, here are the steps that will happen right after and I’ll know it. You game plan it. For most people, it falls into that ignorance category, that lack of awareness. That’s what I find is the number one enemy. I want fathers to feel a little bit of that discomfort if they’re not ready because I want them to realize that it doesn’t take a lot of work. It just takes some focus and some awareness on their part and they can become prepared.
Having a game plan is a key part of this and a good plan will help you get everything you need in place. There’s a process here. In terms of simplification aside from having a checklist, what can a person do to simplify this process? When I first hear about the word financial preparedness, it’s not something most people talk about much of the time. It’s this nebulous cloud. I don’t see tangible things in there. If I shake that tree, the first thing to fall out would be a will. Beyond that, most people don’t know what are the pieces that make up this process. Without getting too deep into it, what would you suggest we do to simplify the process of financial preparedness?
We’ll break it down into three areas. I’ll go over the checklist itself. It’s the conversations you have to have with your key stakeholders. Once you got your paperwork in order, you have to have conversations with parents, children, spouses, lawyers and executors. There are a lot of conversations that even if you are prepared, a lot of people miss that one point. They have not adequately explained what their game plan is to the other stakeholders in their life. The one big thing is conversations. The second one is the assets. We break it down to how much money do you have, what is your plan to get more, what investments is your money in? That’s why I love real estate investing. If you have a long-term time horizon and a good game plan, it’s hard to screw up as long as you have a good plan. Invest in your money, the assets.
The third one is your paperwork. How organized are you? One of our main products is something I call the Dad Vault. Dad Vault is a binder. We’ve pre-printed about 60 pages of things that you have to fill out once. All your key advisor’s information, the list of all your bank accounts, all your investment statements, just to keep it all organized. The whole idea is your paperwork should be thoughtfully organized in one place and easily found. Those are the three tenets. It’s the conversations, assets and paperwork and that is what a preparedness plan revolves around. It’s those three steps. Maybe you have to have three to five conversations. Paperwork, a lot of fathers don’t have it organized well. There are papers all over the place. Let’s condense it and simplify it. The Dad Vault, for example. Anyone who fills that out, they can show it to their spouse. “If something happens to me, come here.” They can give it to their lawyer and keep it at their lawyer’s office. “If something happens to me, look in this binder. Everything is there.” It’s that type of idea.
As an accountant, I understand it all but as a father, I wasn’t doing it all especially when my children were young. Life was busy and we were overwhelmed with a lot of things. I would imagine there are a lot of fathers like that right now. You have to make it in your mind that upfront, you’ll do a little bit of work, you’ll spend a little bit of time and sacrifice may be something else you’re doing like Game of Thrones or video games or Netflix. There’s entertainment time and there’s education time. Education is all the stuff like listening to podcasts and getting knowledge. Then there’s this entertainment stuff, which I just put all those other things into up front. Sacrifice some of your entertainment time to do this preparedness plan. You’ll be much happier.
Another thing that dawned on me is everything you said applies equally well to a mother, not just a father. Everything you’re talking about applies to mothers as well because what if something happens the other way around?
This is important information for whoever is responsible. If you’re the nonfinancial spouse, in this case you should let the financial spouse know or at least bring it up, “Are we okay in these areas?” Ask them questions and that alone can open up a good conversation, which then might lead to taking the necessary actions to get prepared. I would imagine if they’re the investors, they’re likely in charge of their family finances but it doesn’t matter. It’s for mothers and fathers.
Let’s shift gears here for a little bit. We’re talking about financial preparedness and this is all about our spouses and our kids. There’s a certain level of financial knowledge and education that comes along with this and that’s something that people can gather for themselves, whether it’s through you and your checklist or books. Along with all this, it’s a good idea for us to be teaching our kids about money and finance. If we don’t talk about it around the dinner table, that’s going to be a problem going forward. There are games like cashflow from Robert Kiyosaki and other types of tools. What would you say are those key money-making skills that we should be teaching our kids?
I’m a big believer in this stuff as well. I’m going to break it down to simple principles and all the basics that we’ve heard: earning money, saving money, investing money. In each of those three categories, there are breakdowns of certain skills. I have a saying with my kids, “Skills pay the bills.” You have to have different skills which you will be able to use in your own business or other people will find valuable for them to have their business and they’ll hire you whatever those types of skills are. My children are ten, twelve and fourteen. The fourteen-year-old can have a highly intelligent conversation with anyone about real estate investing and about digital marketing. The certain skills that I’m teaching my kids are digital marketing skills, sales skills and then investing skills investing.
They’ve grown up watching us. I first started out in Edmondson, which is hours and hours away by flight. Then I switched my portfolio and write into my own backyard. They’d grown up while we drive around to our properties and they’ve been learning about that stuff for years and years. Those are the three key skills. I teach my kids marketing skills, sales skills and investing skills. In that way, no matter what passion they have, what interests they have, they can take those skills out of their toolbox and apply it to their passion or whatever. It’s ultra-vital that we teach them to earn more money. I won’t let my kids go work at a McDonald’s. I don’t ever want them to even see the minimum wage type of idea.
Other people are like, “No, let them go through it so they feel it.” I want them to understand that right away you need to have good goals. That’s the other part of it. I teach them about goal setting, but I try and keep it simple. I only want them to set one or two goals at a time and work towards those. I’m much happier if they can work towards smaller goals and accomplish them than get them to set all these goals and then not work towards anyone in a meaningful way. Those are the three key skills. Give them those skills. You notice I have not said anything about university education. The stuff that I teach them, no university will teach them. As parents and as fathers, that’s our responsibility. Our responsibility is to prepare our kids for what is going to be a challenging role. You look at the numbers.
There are a lot of people in debt. A lot of people aren’t even at the poverty line and making money. It’s quite honestly because maybe the skills they have are not that great. As fathers, we need to get skills. We need to teach our kids skills. If we don’t know them, then we pay for getting someone else to teach them the skills. It’s not skills like riding a bike and judo. It’s business skills and marketing skills. Then you watch how they’ll flourish as they grow up because they will have confidence. I tell my kids all the time, “The stuff I teach you, I don’t think many parents teach their kids.” It’s all meant to give my kids a competitive advantage as they grow up and I would hope every father would want the same.
Outside of owning a big business or getting a large inheritance, do you think it’s still possible to create financial freedom outside of real estate? I know it sounds like a loaded question, but to some degree it is because I personally don’t think it’s possible. It’s very difficult without being an insider somewhere. I’m curious to know what you think about that.
I’ve always believed that if you have the skills of building your own business, it will give you the best ROI over years and years if you can build that business. Second is real estate. When it comes to my own path, it was responsible for everything. Having said that though, especially during my sabbatical time, one of the investing toolbox skills that I improved upon was I cashed out some real estate in order to live. When they’ve maybe made some capital gains and they have money available, which is sitting idle in a bank or on a line of credit and not being used, they’ve got to develop skills to make money outside using that money.
Let’s say that they’re heavily weighted in real estate and they want to diversify. The answer is not so much building wealth, but I do know that taking real estate wealth, taking some of those chips off the table, you can then create income through things. I have done it on private lending and selling put options, which is more stock market-related. That is a skill set that other investors should know, but it only needed when your real estate has done well and you have capital gains and you have equity there that you want to utilize to create more income. The answer is yes in terms of to create more income. In terms of wealth, no, I still haven’t found any way better. I’ve been watching this stuff for a lot of years.
Everyone will always need a place to live in. The stock market has been good the last few years, but when I ask most people, “Has your portfolio been going up 300% after a few years in the market?” They never say yes. Obviously, something is going on there. When the stock market takes a dive, no one needs to own a stock. Everyone needs a place to live. That one factor alone, especially if you combine it with a long-term investment outlook as opposed to a get rich quick mentality, it’s real estate every time. It’s a no-brainer and it’s a no-doubter. Just have a longer-term outlook so that you can absorb any short-term challenges. Let’s say you’re doing a flip before you rent it out. That flip is going to have some challenges to it. Just make sure you’re ready to handle that. Have a longer-term outlook. You’re applying leverage by doing some work up front and then getting paid year after year. Real estate is the best.
When is it too early or too late to even start working on your financial preparedness? There’s a time when it’s right and there’s a time when it’s imperative. Is there a time when it’s too late? When is it too early and too late?
When it comes to being too early, I don’t believe there’s any such thing. If you’re growing up at a young age and you already have awareness, it means you’re going to be financially well-off. I don’t believe there is such a thing as too early. I would think that once you get married, you would then start looking into the whole preparedness aspect and insurance plans or a will. It makes sense right around the time you’re married, especially if you’re planning to have kids reasonably quick. It’s imperative once you have your first child. We’re at the imperative stuff where you have your first child and you likely have a collection of some assets.
We’re at the imperative stage. We’ve got to get your will done and we have to have it ready. Everyone has to know where it is so if there’s something happens, it’s readily available. If one of those curve balls already happened to you and you never were planning and preparing all the way along, unfortunately, it is a little bit too late to recover from that. After my wife passed away, the attitude I have was, “I could curl up in a corner here and sit here for years and years or I can get back up and get back out there and dust myself off. If there’s someone in your audience who is going through a tough time right now and having challenges, that’s all I’m going to encourage you to do. We live this life once, get up, dust yourself off and do better.
We talked about some books here. Think and Grow Rich is one of my all-time best. I paid my children to read that book. As we talk about kids, I will pay them to read books, which I think are super important. I will never pay them for a household chore. It’s their house. I’m not going to pay you to take care of your own house. I love for you to get more education. If you’re too late, you’re not even too late. You might be too late to recover from your existing curveball. It doesn’t mean you can’t prepare for other curve balls in life while you’re recovering. To me, the best time to plant the tree was a few years ago. The next best time is now, so do it now. Do it immediately, get started, give yourself that sense of security. There’s a sense of relief there that comes with it. That alone is worth it.
Jay, tell our audience how they can find you and get more information or download that report that you were talking about.
The business is called Prepared Fathers, www.PreparedFathers.com is our website. You can take a look there. We have lots of resources for people. The three-step checklist, we will figure out an address but it’s also on the PreparedFathers.com website. I would highly encourage fathers to go and get that checklist. Take a read and then start taking some steps. That’s all it comes down to. Outside of that, I’m found on Facebook. Prepared Fathers is across most social stuff so they can take a look around and do the search. Searches are best friends.
Jay, thank you so much for taking the time. This has been not only enlightening but certainly very helpful. A lot of people are going to appreciate it.
I appreciate you having me on helping me share my message. That’s all I want to say to fathers. Let’s impact your financial future positively as opposed to negatively and I want to help.
Jay, thanks again.
Marco, thank you for having me. Take care.
This was very important information. It’s critically important. Download his free checklist. While you’re at it, download our free report as well, The Ultimate Guide to Passive Real Estate Investing. It is chockfull of great information and makes a fantastic primer for you if you’re thinking about investing in real estate or if you already are investing and you want to take that to the next level and build a bigger and better portfolio and do it faster if you can. While you’re at it, feel free to contact one of our investment counselors for your free strategy session. Do you have a question about real estate? By all means, send that to me. Click the Ask Marco button at the top of the website and let me know what you’re thinking. I’ll try to reply to you via email, but I’ll also try to cover that in an Ask Marco episode of this show. If you haven’t already, please remember to subscribe. Click that subscribe button in your player. Help us spread the word, visit us on iTunes and leave us a rating and review. That would be greatly appreciated. Once again, thanks for reading. We will see you in our next episode.
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