After 10 years in the nursing field, Lindsay realized during the pandemic that she wanted something different. In 2020, everything changed for me. Work

on one of the most trauma level one of hospitals. Seeing people die every day. So, I decided to look up on Google how

can I make money because I didn’t know anything else. That spark led her to real estate and she hasn’t looked back.

I looked at my backyard. There’s nothing that I could buy that I could put a 20% down payment for now. had 10 rentals and

maybe 28 rentals which will bring me $6,000 a month in cash flow. That’s not

cars or houses or private jet. It’s actually little things that you do have

your partner, your family being passive for the small wins. That’s actually what’s important for me.

Thank you for inviting me, Aaron. It’s nice to be here. Yeah, I um I was saying before we hit

record, I’ve I’ve known you for a while, but we’ve never um had the opportunity to dig into your story. So, selfishly,

I’m excited to to hear more about your background and and how you got into it. So, maybe let’s roll back the tape and

um you know, you started with a career in nursing, which um is known as a very

stable career path. Um you know, with usually pretty decent compensation and

um uh but also, I think, known for burning people out at times. So, can you

maybe talk about kind of how like were you already investment minded when you started in your career or or did that

develop over time? No, like you mentioned, I am Latina. I’m

an immigrant actually too. So, I immigrated here at the age of 16 and

from the beginning I thought I was just going to end up in a W2 job and that’s

was the dream, right? like just get into any kind of job with any kind of job security, contribute to your retirement

accounts and retire at 65. But I was a happy nurse. I was I loved

nursing for 10 years actually. So I did it for 10 years and in 2020 everything

changed for me because the pandemic hit and I worked in Los Angeles and I wor one of the most like trauma level one of

hospitals. So I was hit with immediately becoming a frontline care worker and

that was really hard on me. Not only because I was seeing people die every day. I just spiral into like a long

depression. Then initially I didn’t see any upset whatsoever. But I did did therapy and I

started medication and all of that. It just turned my life around in a way that I had to make a change in lead nursing.

uh because it was no longer good for my health. So I decided to look up on

Google what how can I make money? I don’t know anything else. I’ve been a nurse for 10 years like how how can I

make money? I was priorly investing in a 401k and what IRA and the things I was

supposed to do but I did not I have no entrepreneurship background neither than

my parents. So, I definitely found real estate and I was like, well, I already own a home. I already had my

own primary home in LA. So, and I was already renting out rooms for travel

nurses. So, I’m like doing it already. So, why don’t I just look for real

estate deals and start buying rentals? So, I looked at my backyard and I I live

in LA. There’s nothing that I could buy that I could put a 20% down payment for, which I thought at the time was the only

way I could get into rental into the rental market. So, I was like,

“Okay, I don’t have $200,000 to buy a million dollar house to rent it out for like $300 to $4,000, which makes no cash

flow.” So, I started looking at out of state and that’s how I ended up in my

market. Amazing. So much to unpack there. And I think first of all, you know, me as

someone who’s largely worked behind a computer for my career. Uh, yes, I worked in concerts and so I’d be at

shows and whatnot. But like the there is just such a for someone like me, I can only imagine what it must be like to

work not only as a nurse, you know, for a career, but in something like co. And

so when you talk about the impact that had on you and you know how you had to do a lot of your deep work and reflection to to figure out what you

what you want to do moving forward, I applaud you for first of all being vulnerable and sharing that and second,

you know, it sounds like that gave you the spark you needed to understand what you wanted the rest of your life to look

like, you know. So, and I I think too that one really interesting thing you said was your version of like what

living the dream is also evolved as an immigrant and someone who you know has

you said initially the W2 job and the just a stable career was the dream and

then after doing it for a while like your vision and what you want and your goals evolved to meet the moment and I

think you know when I look at um my life and my story I think about there are

these turning points moments. Uh, you know, when I was on your show, I was sharing about some of the struggles I had and how that’s what launched my my

real estate journey, too. I think when you start with such a strong purpose and why, then then it really it makes it a

lot easier to do some of the harder work that has to be done. And then, you know, you also mentioned that you were kind of

almost an accidental landlord and um and so it was a it was like one of those things where the solution was almost

hiding in plain sight for you of you had already tried something out and and seen

what potential it could have and then it was a matter of just figuring out how do I do this um again? So, as far as

investing goes, you came you across the out of state idea pretty quickly. How

did you figure out what your kind of next steps were? First, I needed to like I knew that

working as a nurse 12 hours a day. I cannot be on the phone. I cannot really solve problems when they arrive. So, I I

knew from the beginning, even if I was going to start investing local, that I needed a property manager

because I there’s no way I can be cruddy when I’m in the hospital taking care of

people. That was number one. And then next would be I was a nurse. I was a

traveler nurse. I would could be able to travel to the trend uh states which I

was already doing for contracts so I could live somewhere else. Oh, house

hack. And then so I started looking. I was like, “Okay, when would my next scotch be or where would it be?” So I

was like debating back and forth between going to Illinois or somewhere else that

had a better a better like real estate market. So I was looking at Illinois but

it was like I said 2021 2022 when I was looking and there was a lot of um

evictions being paused and a lot of moratorium like I looked at Illinois and there was everybody was not paying rent

they were getting subsidized right and so I decided in order to put another

layer of security I needed to go to a state that was more landlord friendly in which I could feel more comfortable

deploying my first investment money my first down payment. So that’s how I

started looking at areas around Illinois. So I like I I I saw Milwaukee,

Wisconsin, I saw uh Ohio, I saw Indiana,

like I saw all those neighboring lake markets. And then I started looking for people

that were investing like me. They were trying to invest out of state because I didn’t know anybody here. uh my circle

that’s not investing rentals and I don’t have family that are confrontational investing. So I went the rabbit hole

bigger pockets um real estate rookie um go on online on YouTube and I started

looking at a lot of long form real estate videos and that’s what where I found Masky Finance and Millennial Mike.

they were investing in Gary Indiana and at the time there were smaller creators like 2021, 2022 and then so they seemed

to want to engage with their audience. So I just started like liking every single video that I posted, like going

back a year, liking those videos, commenting on every video. So like they know I’m watching. And then after a few

a few days of like just stalking, I just started sending them messages saying like, “Hi, my name is Onie. I would like

to find out what you’re doing in the market like what’s working not because both of these creators were completely

transparent and so they were putting their down payment and closing cost the interest like they were accounting for

every single thing that you could not foresee when you’re going through transaction and putting it out there

good bad ugly but the most importantly thing is that they were doing the cash flow that I could not find in other

sites of the country so that’s why I ended up and Gary. Yeah. No, that’s a fascinating journey

and I think it’s you were pretty disciplined about it because instead of

settling for something, it sounds like you were exploring like where could I invest and then you you would learn one

or two things about somewhere and okay, maybe this is too tenant friendly environment or the regulations don’t

support, you know, the the type of business you need. And then you also mentioned at the beginning of your

answer that you know you knew that you probably couldn’t be the one to manage it anyway. So if that’s true then what’s

stopping you from looking at other places around the country. I think a lot of people have a fear or an aversion to

investing away from their home market because they assume that if they’re not able to, you know, drive down the street

and touch touch the house or see the house that everything’s going to go wrong. But if you find the right network

of other investors, team, you know, team members such as property managers, agents, you can build a secure network

and system to run and keep your rental properties going that doesn’t depend on you. And that’s honestly, who doesn’t

want that, right? Nobody wants to probably be super involved, especially if they’re busy or if they have other

things they want to do with their life. But um you also mentioned something important which is you know the people

you started following they were very transparent and thorough right so a lot

of people online I one of my big pet peeves is when I hear people talk about cash flow and they’re like well you know

it rents for 1,500 bucks and my PITI mortgage payment is a thousand so my cash flow is 500 bucks like well not

really right like you got to pay your manager you got to you allocate for your maintenance and your capex and various

other expenses is. So once you back all that out, it’s actually more like probably 100. And so I think people

sometimes get very loose with uh how they talk about their cash flow and then also using uh the P word passive, which

I try not to use except under very specific circumstances. So, I appreciate that what you called out that the people

you were following not only broke down the deals and showed, you know, made the case for why that market was a good

place to invest, but they did it with transparency so that when you finally did start investing there, you felt like

you knew what you needed to know to make an informed decision. So, did so did you start working directly with their team?

Like, did they have an agent and property manager? Like, how how did the actual process work once you decided to

go with that market? So initially I was scared of Gary is

obviously they don’t it doesn’t have the normal good economic markets that you

would look for when you’re like reading the books and doing all the research. And then also when I was talking to

these creators they were like don’t they were not like calm that calm down you’ll make a lot of money. It was more like no

no no no know the cons and the pros of this market like no it’s going to be

challenging but you there’s apps that so it wasn’t like oh bro sea glasses like

oh there’s money here let’s go so I was on the fence so in initially

actually my first house was not in Gary was on a neighborhood called Hammond which is western Gary which is just

borderline Indiana and Illinois literally there’s a fine. So I the

purchase price on that market when I was this manager is higher and taxes are higher but there was a potential for

cash flow still not like higher rates like millennial Mikei parents were looking at but it was over 7% and that

was like my fixation to find cash flow over 7% because I come from investing in

the market which averages 7 to 8% passively completely passive uh

investing so I in my mind I was like if I’m working for it, if I’m doing this

research, if I’m talking to people, if I’m like talking to realtor, if I’m working managers, it has to be seven or higher. If I’m working for it then, so I

purchased a a home in Hammond, which was $135,000,

and that was in 2022. And it was rented the next week cuz I

was renting ready and rented the next week that I purchased it. And yes, I fell into the team of Mark and Mike. So

they had referrals for property managers for referrals for realtors for having referrals with tractors. They have

referrals for everything. And then so I talked to them individual all of them individually and then decided to go with

one property manager one. And so my like my network was almost already formed

when I started investing and I was at the time I didn’t realize how like

resourceful that was but later on I realized that I just basically fit in. I

just got the shoe and I fit you know kind of thing. Yeah. I think there’s something to be said for the fact that you got referrals

from an investor directly from an investor who had success in that area.

You know, one of the biggest mistakes that we made when we did our first truly

out of state uh investing was when we were researching markets, we went on

Bigger Pockets. We had consulted a, you know, a couple different um sites and blogs, but we didn’t really talk to any

of the investors that work with like the property manager or the agent that we hired. It was just a rookie mistake on

our part. But investors are such an important check and balance, right? Like if if Millennial Mike or any any of

these other guys were referring people and those people were doing a poor job, I imagine they wouldn’t refer them

anymore, right? Right. So it get it gives an incentive to the property managers and agents and lenders to do

good business and honest business. You know we had some pretty bad experiences with our property managers because there

was no check and balance and you know frankly it was our fault for not doing better due diligence. So I think what

what you did where you had people that you were exposed to, you know, you met them through their content and you built

a relationship with them by interacting with them and you saw how they thought about their business and then you went

and why reinvent the wheel, right? You using the people that they’ve used to create those results and now you get to

work with them directly. To me, that’s kind of the best playbook for finding an out ofstate market is find investors who

have had success. if possible, work with the people that have helped deliver that success for them and don’t try and uh

you know recreate things just for the sake of it, right? Just um use use what works. Do you feel the same way or am I

missing something here? Oh yeah. Like why make it harder on yourself? Like yeah, you probably could

find another realtor and another property manager, but if you have knowledge of these managers already

working out, then why walk away from that? Like that’s valuable information.

Yeah, absolutely. Most people think I’m full of crap when I say that I can operate and grow my

portfolio in an average of 20 minutes per day. So, instead of asking you to take my word for it, I sat down with my

business partner, Nathan, and we ran through our entire 20-minute investor strategy in a free workshop. We go

through all the different workflows, software, and tools we use to stay in control of our portfolios so we can

focus on what matters most to us. You can watch the entire workshop and download our workflows for free at

20minutinvestor.com. Again, that’s 20inutinvestor.com. And back to the show. You mentioned at

the top that kind of your background, your initial goals were to just find stable job and a lot of friends and

family like didn’t have any real estate background or or um understanding of you know what what that looks like. So, as

you leaned into this identity and you started interacting with more investors and this became your almost your your

main thing and something that you’re passionate about, what did that do to kind of your relationship with um with

the people that you grew up around like friends, family? Like how how did you um

did you find that created distance or or what did that kind of do to those dynamics?

Majority of the people actually in my family around me, they don’t know that I invest heavily. So I wouldn’t say that

it’s changed the way that the relationship that they have towards me, but I like my mindset has changed

significantly. So when I I used to talk about it a lot before, but I I fell into that category

of like, oh, you talking about real estate again, like that’s just boring and nobody wants to talk about it. But I

think in my situation, it’s a little bit different. My whole family is first generation mid rent and my parents are

housekeepers that it pretty hard for them to think about it in a way of like

it’s wealth building and it’s going to happen soon. It’s more of like oh she’s doing something but we don’t know if

it’s going to work out kind of thing. Got it. And but this is full-time now. Your focus is real estate at this point.

It’s still a part-time. I have a full-time job. So Okay. Yeah. Got it. And so have you have you do you

want that to be your full-time thing? I think eventually it would take Yeah,

it would take probably a full time a full-time position, but I don’t think I ever stopped. So I became not only did I

become a resident investor, also went back to school and got my graduate degree. I’m a nurse practitioner, so I

work in a different setting setting. I’m no longer in the hospital and I also try

I’m trying to build my business there too. So

that has taken like a back seat almost but uh it’s going to be working at the

same time like it’s going to be both of them. It can’t just be one. Yeah. No, I I can totally relate. First

of all, I don’t know that I could uh sit still long enough to do only like real estate stuff because it’s not actually

that much work if you have the teams in place and you have, you know, good systems. When you’re finding deals, it

can take time. But when you’re doing um when you just have you’re operating,

there’s not that much active effort and I feel like I would probably at least personally get bored. Plus, I’m I’m

curious to hear your take on this, but I believe that, you know, having a job and and income stream, it can be a major

asset while you’re building your your base of of real estate because um you can take that income and you can

reinvest it and um it you doesn’t put as much dependence on the real estate to

sustain you and you can you can invest in a different way versus, you know, relying on uh rental cash flow to be the

only thing that sustains you. Do you think that the balance of both is is something that that you value over the

long term or or is it a more of a means to an end? No. Um since I stepped in for the last

years, I stepped in in a different role in my profession. I am a much happier

person. Uh and then so there’s no urgency per se of like I need to leave

this job because I hate it or I can’t handle it. That has changed my way of

like initially I was like I need to get out of nursing and I need to find another way to do to be able to pay for

my bills. But that has changed. Like I said, I think that

not so much having an income, but just having the flexibility of being able to

create the life that you want, regardless if it’s from an active income from their job or passive income from

real estate. I don’t think I’ll ever not per say work, but I’ll always be doing

something productive regardless of if it brings income or not.

Yeah. And I’ve noticed too that you’ve you’ve taken a more active role in general like you and I met through an

online community and um you know, you’re even leaning in and helping other people

figure out how to do out of state investing. Do you have a a passion for paying it forward or kind of what what

is um inspiring you to to kind of lean in and take that those leadership roles and and run the calls and and work with

other investors? Honestly, it’s the people that were doing it for me because I felt like this

was a way out. Uh real estate was a way out and a way of to being able to

survive and live a meaningful life. And then so there are people out there that

are putting out so much content for free that I wanted to also be that person

that’s like showing the way to other people regardless if it’s um you know

support or information or referrals or however I could get the information out

to anybody. Also, I believe there’s not a lot of women in real estate and I feel like we need we have a disparity there

and I feel a little bit responsible for like being representation being the

representation as well as being an immigrant, being Latina and being somebody that’s doing it with

challenges. Yeah. No, I I appreciate when people lead by example, too, right? like you’re

showing that there’s not really much of an excuse or um reason why people can’t

do this if they don’t, you know, if if they want to, right? If if they have the drive and they are curious and willing

to, you know, tackle the learning curve, it’s really not rocket science, right? It’s just I think a lot of people don’t

even understand or or they’re not aware that this is an option. Especially like

people, you know, you mentioned you’re in Southern California. People there don’t have any idea for the most part

unless somebody tells them that you can buy properties for you mentioned your first rental was $135,000.

Yeah. I mean, that’s not even a down payment in Southern California. So that’s not even half a down payment in Southern

California. And uh so I think there’s a relativity piece too where people once

they learn that then all of a sudden it’s intriguing like oh maybe instead of investing in the stock market you know

putting 100% of my money in the in the stock market maybe I carve out a portion and I that’s what I found with out of

state investing in particular is that people that live in these high cost of living areas once they find out that

that’s an option then it becomes intriguing. But so I think you’re doing it you’re doing a good service by uh you

know sharing what that path looks like and um and then again leading by by example.

Yeah, definitely. Yeah. The houses around here when you think about it it’s like you put down so much money that

you’re locking out but you don’t have a house you have you need somebody somewhere to live but it’s in learning

about real estate changes the way that you see housing in general. It doesn’t become about building a home. It becomes

about like a business like you said of building equity and doing smart choices

for not for just you but your family. Yeah, absolutely. Do you have a a type

of long game or endgame goal or like what’s your overarching vision for what

you want to accomplish like with real estate? I want to live a very untraditional

life. I want to move to a different country. I want to learn a an additional language. I want to immerse myself in a

different culture and I want to be able to do that while I’m working building something and also having real estate

invest investments. I love it. So, do you want to be nomadic or do you want to take permanent

residence somewhere else? I think nomadic but more like six months

somewhere six months back six because my my family is very centralized here too so that would be hard to let go.

Yeah. No, I I have a similar we have my wife and I have talked about several times like taking mini retirements or um

I think you and I both follow Chad Carson. You know, he talks about his family. They they’ve done that multiple

times where they’ve moved for 12 to 18 months to different areas. They learn they put their kids in school locally in

those countries. They learned Spanish and like that just sounds so cool to be able to do that. And real estate’s one

of the few things that can produce enough income to enable that type of thing, especially if you’re investing

methodically and consistently over a period of time. Are you is is Gary your

that’s your primary market. Are you in other out of state markets, too? No, that’s my only market. And I

recently started building a edu in my backyard in Los Angeles. I don’t know how that’s going to go, but uh the goal

there is to make it a midterm rental. And um like I said, I was a nurse. I

used to rent out rooms to nurses. So I’m trying to see if I can f fall fall back into that. And if I was hack a little

bit, I guess. Yeah. It’s pretty cool that you know because you’ve experienced it as a

traveling nurse. You know what people would look for, right? So you you could probably you have a competitive edge when it comes to running a place like

that versus someone like me who I I don’t know what that experience is like. So you’re combining that locally with

your out of state rentals which are cash flow heavy. Is the goal to just kind of keep feeding the machine and as you can

afford continue to add properties or are you trying to pay some down? What’s your strategy with how you’re growing your

portfolio? Not pay some down. I starting the ADU here is actually more expensive than

having all of our rental portfolio out in Gary. So that’s holding me back. But

I wanted to grow more in Gary. Like right now I have 10 rentals and maybe 20

rentals which will bring me $6 to $7,000 a month in cash flow. So that paired

with like house hacking really I will pay for more than my lifestyle here then

I would like to think that of going to like that untraditional life nomatic lifestyle of living in different

countries but who knows I might I reserve the right to change my mind maybe I’ll like start fixing flipping it

depends but I really think that real estate is all so consuming and so exciting but I also want to be consumed

by other things in life as as well as other passions. So, it may change.

Yeah. I’ve come to view it as, you know, there’s these different sprints and different like phases for building. So,

you know, we bought our entire single family portfolio in the course of about three a little over three years. And

then we didn’t buy properties for almost three years after that, right? So that

sprint when we were first buying stuff and refinancing and moving, saving up money and it was a lot, you know, it was

a a very um tiring process to do all that cuz each time we were building new teams, we were stabilizing a new house,

finding new tenants and it can be tiring and at some point you don’t necessarily want to be doing that all the time. I

know for us when we had kids that’s when our situation kind of changed to where I

didn’t want to be self-managing anymore. like my wife and I both like we we still were working and we had kids all of a

sudden and we wanted to be present and enjoy time with them. So that’s been an interesting change for us is like okay

how you can’t just permanently sprint and sprint and sprint forever like you have to take a pause to enjoy your life

along the way and um as especially one thing I like about your portfolio is

that you didn’t do what we did which is which I wouldn’t recommend which is we have three different markets which means

we have three different teams three different sets of regulations it’s a lot more to keep track of in your head and

even if you have good teams you know things could change at any point. Whereas being in one market where you

can really focus on, you know, do I have the right people in the right seats, you probably can pull back and not be as

involved over time because you know the market well enough and your team knows the market well enough and uh it’s just

less things to focus on which allows you like you said to go and enjoy the rest of your life and um you know not not

spend 100% of your time working or uh or fueling your real estate. So, with your

with your free time, are there things that you like want to lean into or or things that you’re passionate about

outside of real estate that you’re hoping to focus more on in the future? Uh, I work in mental health and I

eventually, I don’t know when this is going to be, but like open up a nonprofit for people to get accesses to

mental health services. That will be a dream. That’s just one of my dreams. Uh I also

I am a daughter of immigrants and my parents are getting older and they’re um I would like to help them retire

already. That’s a goal of mine. But those are two things that I like

probably would want to focus on in the next 5 years or so. I don’t think I

don’t think um financial freedom is so far. I I live a very modest life. if I

below my knee mean kn mean kn mean kn mean kn mean kn mean kn mean kn mean kn mean kn mean kn mean kn mean kn mean kn mean kn mean kn mean kn mean kn mean kn mean kn mean knees I do have a house in LA but I’m trying to house hack and I’m

one of those lucky people that were able to refinance their house in 2020 so I

have a low interest rate a long payment so I don’t think like you know what the

um coach person always says like what is enough like enough for me is not that big so for me it is really about living

a meaningful life is spending time with my family uh as long as I can. And I

think just growing up in nursing or being becoming an adult while being a nurse just put on to priority of what

actually is important in your life. And it’s not cars or houses or being able to

travel via private jet. It’s actually little things that you do have like your

partner, your family, like in in your case, your kid, you know, spending time

with them, being presented for the actual little failures and the small wins that they have. Like that’s

actually what’s important for me. Yeah. No, I I love that. You know, I think about some of my happiest moments

and a lot of them were at my house or on a normal day where I just had a nice,

you know, day with my wife or went out and played with the kids and like those are the moments when I’m happiest. They

don’t require a million dollars. They don’t require bottle service at the nightclub or the private jets, right?

It’s just about, you know, having the the freedom and flexibility to spend time with the people we love and do

things that um make us happy, right? And that depending on what you’re into that doesn’t cost all that much. You know

that it’s to to me one thing I’ve you know learned more recently is that

financial pressure right I like it makes it harder to enjoy the moment. So when

we had three kids in three years, like we went from having a a pretty

relatively easier financial life to now all of a sudden our expenses ballooned like crazy and and it forced us to make

a lot of changes. And um just the pressure of like figuring out how to balance that equation made it harder for

us to be happy on a day-to-day basis. So to me it’s like it’s less about can I

make enough money to just do whatever I want and it’s more about how can I just remove that pressure. So that, you know,

we know that there’s enough safety net. We can actively save. We can actively invest. And um we know we have a safety

net so that we’re not we’re never going to be have to worry about like where our

next next meal comes from or how we’re going to pay our bills, right? Like removing that pressure allows us to to

live the life we want and then from there there’s not that much more, at least in my mind, that we really need.

No, I appreciate that perspective a lot. And the other thing I so I want to ask you maybe you thought of this maybe you

haven’t but you talked about a couple different ways of giving back. One one was to your parents and one was um you

know people suffering with you know various types of uh mental health. What would that look like to you? Are are you

interested in like forming a nonprofit and providing like services or or have you have you thought about that yet?

Yeah we talk about it with one of my friends. She’s she’s also like me. She’s

a Mexican American and she is um getting her NP for medical so primary prim

primary care NP. So we was talking that she lives in Texas and uh there’s a lot

of things that happen in Texas. So especially regarding medical care for women and children. So she want she has

like a lot of acreage in her house over there. to putting up uh something that

she has primary care through like throughout the week and I

can like fly in maybe two weekends of the month and then do that with her.

That would be something that we can partner up with and then she would like that to be her full-time like that will

be her ideal dream. But I do have a lot of uh friends in the

medical field. So I don’t think it would be so difficult to start something even if if it’s mobile like

medical care and on the go kind of thing. Yeah, I love that. And so you so the

medical field is an interesting place where I feel like the people that work in healthcare, they have big hearts.

they have um attitude and and desire to serve and help people which is amazing

right that’s something that not everyone has I don’t think I I do think most people are probably more focused on

outcomes for themselves than you know providing service so I but I also think

that a lot of people in healthcare are really they’re busy and it it’s uh subject to burnout and there’s a subset

of people that work in healthcare that I know that focus on investment And then there’s a lot of people I’ve heard about that are just too busy and they’re

tunnel vision. They go to work and then they come home and then they’re um they don’t have energy to focus on anything

else. So what do you think um you know is some advice you might give to people who work in a medical profession who you

know they they make good income um but they maybe haven’t thought yet about how you know they would fit investing into

their lives. do what they can. There’s thought everybody’s different. So some people do

need to work every day. Some people do need to wake up at 5 in the morning and work for 12 hours. Like they don’t feel purpose or motivation if they don’t do

that. So I seen that’s a very distinct personality that does that. Uh and then

some people are emotional and in like intuitive and so there’s thing like

hardships that you see every day that really affect you and that creates burnout and then that combined with like

shortage uh in the hospital shortage in the clinic and then all of that like will console burn you out like you say.

So acknowledging that you need time off like a lot of people are so hesitant to

even take days off for like thinking they’re not going to make money or

whatever they think they can allow themselves to. But selfcare is very very

important. And if you don’t take care of yourself, your body will let you know cuz you will get sick. You will get sick

mentally. You will get sick physically. So before that happens because it will happen.

Just do what you can. Like I used to be into fire. I used to be on like invest

in your 401k if you can invest in the ro if you can’t. If you don’t feel like

you’re capable of doing real interested investing which you look into it before you decide not to go that route. Maybe

you can become a lender so you don’t have to be active. Maybe you become a

partner like equity partner so you you don’t have to do the day-to-day things

but you are diversifying your portfolio because regardless of what you’re doing

you want wanting to create that generational wealth. you’re wanting to leave whatever children you have, what

you want, right? So, this will help that like Subs says and Michael Sub says like

you just get to four or get to one. It doesn’t really matter. It matters for

for you for your family. Like what you’re going to leave behind. No, I love that perspective. And I think

yeah, Michael Zuber always talks about if you can get to four and only four houses that could accomplish 99% of

people’s financial goals will be solved, you know, just in those four houses if you buy them at reasonable prices,

operate them well, and just let the let time do its trick. And I think part of the problem that a lot of people have is

that they focus so much on what’s the result I get in year one. When year one,

even if you buy a house really well at a good price and you run it well, it still

probably is only making a few hundred bucks a month in cash flow for a standard single family rental. And that’s even that is is somewhat

difficult in today’s market in most places across the country. But over the

course of 10 years, 15 years, 20 years, the rents typically do increase. your

loan amortization as you’re paying it down accelerates and um and the price appreciates as well. So I think it’s one

of those things where I I forget Zuber also says it’s like the first five years basically just suck, right? Like you you

know you might make some cash flow but most of it’s going to get reinvested back into maintenance and capex and all that type of stuff. And that can be

disheartening, especially if you’re a doctor or somebody that that makes few hundred,000 a year and you’re like,

well, what is this pitily $5,000 going to do for me? It’s not necessarily what

is it going to do for me today? It’s what is it going to do for me in the future? Some people talk about accelerating, you know, loan payown so

that they can target a specific year. You know, if you know you want to retire in 20 years or 15 years, you can

accelerate your loan payown so that when you retire, you have a paid off asset. There’s so many different things you can

do, but it’s about like zooming out and looking at the time horizon and what can happen over a long period of time. It

can benefit not only you, but generations to follow, like you said. So, that’s um yeah, that’s really sound

advice for the health care professionals and and also they don’t have to be the ones running the show. They can uh they

can invest passively or lend money like you said. Well, Lindsay, what if um if people want to get in touch with you or

or learn more about what you do or or ask you for some advice on how to state investing, where where can they find you

to do? If you find me on Instagram, Tik Tok, I finally made a Tik Tok and uh on

YouTube, Lynn does investing, all of them. So, if you L does investing, you can contact me. I usually give my email

if you can if you want to email me, have any questions. I’m totally open. I do

have a full-time job, so it might take a few days for me to get back to you, but I will get back to you.

Yes, I think the listeners of this show understand the eternal juggling act of

working full-time and trying to invest on the side. So, yeah, give all of us some grace on response times, but

Lindsay does have an incredible YouTube channel. She’s go-giver, totally focused on, you know, helping other people uh

experience the same benefits that she’s been able to realize through real estate. and uh I’m grateful for you taking some time to come on the show.

So, thank you. Thank you, Aaron. It was wonderful. Yes, we we’ll do it again soon. Thank

you for making it to the end of today’s episode. As you may know, podcasts are very difficult to grow organically. If

you’re getting value from today’s episode, I’d deeply appreciate if you could take 30 seconds to leave my show a fivestar rating and review. This will go

a long way to helping me reach more listeners just like you. Thank you so much in advance.