These private finance apps, instruments, merchandise, and habits helped us attain monetary independence, they usually can do the identical for you. In case you’re on the highway to FIRE or have lastly made it to monetary freedom, ANY of those instruments may also help you save, make investments, and study extra alongside the way in which. However we’re not simply sharing the FIRE toolkit we love; we’re additionally sharing the merchandise we’re ditching, plus what we’re changing them with for a brighter monetary future!
In case you’re already feeling misplaced together with your monetary New 12 months’s resolutions, fear not as a result of these private finance apps, instruments, merchandise, and habits are right here to assist! Mindy and Scott will stroll by way of each software they love, what they will dwell with out, and what helped them attain monetary independence. We’ll speak about budgeting and cash administration apps, goal-setting processes that’ll assist you obtain even your wildest goals, the right way to study sooner than ever, and the “life-changing” cash merchandise we might by no means change.
In case you’re in want of beefing up your arsenal of monetary independence instruments, that is the episode to tune into! Questioning the place you’ll find hyperlinks to all of the services talked about in at present’s present? Simply scroll down within the present notes!
Mindy Jensen:
Howdy, good day, good day and welcome to the BiggerPockets Cash podcast. My identify is Mindy Jensen, and with me as all the time is my pretty co-host, Scott Trench.
Scott Trench:
Thanks, Mindy. Nice to be right here with the center of BiggerPockets Cash, Mindy Jensen. We’re right here to make monetary independence much less scary, much less only for any person else. To introduce you to each cash story, toolkit, or product. As a result of we really consider that monetary freedom is attainable for everybody, regardless of when or the place you’re beginning.
Mindy Jensen:
Scott, in honor of Valentine’s Day being tomorrow, at present we’re going to gush about our favourite monetary instruments and habits, and also you’ll additionally hear in regards to the ones that we beloved whereas we had been on our journey to monetary independence.
We wished to do that episode proper now, close to Valentine’s Day, as a result of most individuals’s New 12 months’s resolutions have form of fallen by the wayside. And one thing that we’ve got discovered to be very useful is to revisit your objectives each month of the 12 months. It provides you the chance to determine what’s working, what has to vary, and which instruments and techniques you can begin utilizing to get again on observe.
Scott Trench:
That’s proper. So on at present’s episode, you’re going to listen to all in regards to the monetary instruments and habits we’ve been loving lately, and the game-changing productiveness instruments we’ve found, in addition to among the monetary instruments and habits that we’re abandoning.
Properly, let’s leap into it. Mindy, what’s the primary cash behavior that you simply’ve been falling in love with recently?
Mindy Jensen:
I’m attempting actually arduous to learn to train my spending muscle. And that is one thing that has been a piece in progress for a few 12 months now, and Carl and I are actually taking a look at ways in which we are able to improve our life or make issues simpler. And it’s nonetheless a piece in progress, however we’re making leaps and bounds from a 12 months in the past.
Scott Trench:
Yeah, I do know that’s been a giant theme right here. Hey, the mentality of being very frugal and actually watching each greenback that goes by way of individuals’s accounts is a big correlate to monetary freedom and the flexibility to amass wealth.
When you amass wealth although, what’s the purpose in persevering with to try this, proper? At sure level, after you have sufficient, each additional greenback past that needs to be spent to your happiness, to make the world a greater place, or go on to the subsequent technology. And I do know that that’s been a problem you struggled with, and had been coached by Ramit Sethi on, and it sounds such as you’re making lots of progress there.
Mindy Jensen:
We’re. We began off simply form of including to holidays, and there’s not a ton of stuff that we have to add to our life, though you wouldn’t know that by how a lot we spent final 12 months on automobiles. We purchased two automobiles final 12 months, together with Carl’s Tesla. So I can lastly get him to cease speaking about when he’s going to purchase a Tesla, and now I get to listen to all in regards to the Tesla.
Oh, do you know it does this? Do you know it does that? Nope. Didn’t know. Didn’t care.
Scott Trench:
I believe 2024 would be the 12 months the place I would half methods with my trustee Corolla as nicely. It’s getting time.
Mindy Jensen:
Are you going to purchase a Tesla?
Scott Trench:
We’ll see. I’m going to consider it, and take into consideration what I need to drive there. However yeah, I believe it’s time for me to flex that muscle as nicely, and improve a bit of bit.
Mindy Jensen:
Properly, Scott, you deserve it. And extra importantly, you may afford it. You have got set your self as much as be in an incredible monetary place. I hesitate to say, “Oh, you deserve it, go purchase it,” once we additionally speak about often, don’t simply purchase one thing since you assume you deserve it, you even have to have the ability to afford it. However you might be simply in each locations.
Scott Trench:
Possibly in 2025, we’ll flex the spending muscle of transferring out of our home hack, which we’ve additionally been doing for many of the final 10 years.
Mindy Jensen:
I adore it. Okay, so Scott, what’s a cash product that you’ve got been loving recently?
Scott Trench:
I’ve been actually loving Monarch. So, I used mint.com for a lot of, a few years. And with Mint being sundown, I used to be a kind of folks that transitioned over to Monarch, and I believe they do a reasonably good job to this point. I’ve actually favored it, it appears intuitive and simple to make use of.
I form of like the actual fact, truthfully, that it’s a subscription. I like the truth that, hey, there’s no … It’s simply, you pay 100 bucks and also you get the product, and hopefully steady enhancements from that product, and never advertisements or no matter else is happening with it. So I’ve been liking it, and discover it to be fairly highly effective and complex.
All proper, what else? What’s one other behavior you’ve been loving recently?
Mindy Jensen:
I’m going to enter journey. We used to optimize our journey based mostly on value, not a lot location. So for those who’re flying into Chicago, you’ve got the selection of two airports. In case you’re flying into New York Metropolis, you’ve got the selection of, I don’t know, like 9 airports or one thing, once you bear in mind the entire surrounding locations.
However now once we journey, we all know we need to go into this location. We’re searching for what’s closest to the place we’re going, not a lot how a lot much less it’s to should drive three hours in New York Metropolis site visitors at rush hour.
Scott Trench:
Yeah, form of associated to that flexing the spending muscle it feels like, is, hey, I’m going to optimize for comfort right here, not only for price. And I believe, as all the time, actually necessary to recollect there’s totally different phases on this journey. Most likely not congruent with the grind and the buildup part on the journey to 5, however as soon as we’re previous the purpose of 5, that’s the purpose of this. Is, let’s spend a few of that cash to optimize for all times, happiness, and comfort.
And I adore it, Mindy. Love that bicep getting larger and larger.
Mindy Jensen:
It’s getting larger and larger. Sometime they’ll be as large as yours, Scott. Possibly not. Scott, how about you?
Scott Trench:
I’ve switched banks quite a lot of occasions over time, and the final three I believe I’ve been with Ally and actually having fun with it. I believe that I really like the 24/7 help. It’s fairly simple. Not a sponsor of at present’s present or any BiggerPockets supplies so far as I’m conscious, however I identical to them and I really feel like they do a very good job.
There’s all the time dialogue within the BiggerPockets Cash Fb group about who’s acquired the very best yield on financial savings, and I believe that Ally’s is like 4.35% or one thing like that. And there are locations the place you may rise up to five.3%. So there are higher charges on the market, however I’ve simply favored the convenience of use and the comparatively excessive charges all through during the last couple of years, the place I’ve by no means been manner totally different from what you will get for those who’re actually maximizing for that yield. So actually get pleasure from them and the convenience of use. So, extremely advocate them personally.
Mindy Jensen:
And Ally Financial institution has been tied to the dialog with constantly excessive yields over the course of, even when excessive yields meant like 0.1%, they had been nonetheless paying among the many highest.
And you can not low cost the truth that they’ve 24/7 customer support. As a result of, frankly, once you want customer support most is normally when the banks are closed.
Scott Trench:
Yeah. And if I used to be in some kind of enterprise that required fixed interplay with the financial institution, they don’t have branches, so it’s not potential for that sort of objective. However for my private checking and financial savings account, it’s been phenomenal.
Mindy Jensen:
Subsequent is a break. After we’re again, we’ll go into all of the productiveness habits we’re implementing this 12 months.
Scott Trench:
And we’re again. Earlier than the break, we revealed all of the monetary merchandise and habits that we’ve been loving. And now we’ll be gushing about all of the productiveness merchandise which have been a recreation changer.
Mindy Jensen:
The rest, Scott, that you simply’re simply in love with? Sorry, I’ve acquired to make use of the phrase love on a regular basis as a result of it’s Valentine’s Day tomorrow.
Scott Trench:
Yeah, transferring into form of productiveness instruments. And I’ve stated this many occasions within the podcast right here, I’m actually in love with the imaginative and prescient and goal-setting course of that my spouse and I’ve used at some stage in our marriage, and I’ve used for a very long time earlier to that. But it surely’s a quite simple course of, it doesn’t require any cash to be spent. There isn’t any product related to it, though really there’s a product, I’ll point out it later.
However principally it’s a doc, a chunk of paper. And we are saying, we begin off the dialog and say, “What are some issues we’re grateful for for the reason that final time we up to date our imaginative and prescient?”
Like, oh, we’re grateful for the brand new set of phrases from our little child, the humorous factor our cat did, this piece of progress in our careers, this factor about our home that we like, this current journey that we went on. And it simply grounds the dialog in happiness of what you’ve got.
Then it’s form of like, hey, in 5 years from now, what do we would like our lives to seem like? We need to get up and do that, we need to be vacationing right here, we would like our day-to-day to be like this, we would like our careers to seem like this, and that units the context. As a result of we’re consistently iterating on it each quarter, there’s all the time little adjustments which might be being made, nevertheless it retains an alignment on precisely the place you’re going. After which you may set objectives on a quarterly or annual foundation from there, which we do.
After which we’ve got a Sunday little ritual, the place we translate these quarterly objectives into weekly issues that we’re going to do to maneuver ahead. For my spouse, it’s typically writing the subsequent few thousand phrases for a ebook that she’s engaged on. And for me it’s typically a mix of BiggerPockets issues. We additionally, in fact, prioritize our household life and ensuring that we’re proactive about curating nice experiences.
So that’s tremendous highly effective. I don’t find out about you guys listening, however the week can get away from me and generally does, however I’m by no means off observe for greater than per week. As a result of I all the time reground it on Sunday evening, and get realigned with most necessary issues.
And in addition, there’s so many issues associated to your objectives that should do with simply sending an e mail. Simply, I acquired to succeed in out to this individual and kick off this course of. And this ritual, I can’t overemphasize the significance of getting this ritual and simply being like, oh, it’s Sunday evening. I’m going to schedule these three emails for tomorrow morning and kick off these processes, and I’m good to go.
So, in love with that course of. Really feel prefer it’s so, so highly effective. Extremely encourage it for folk. So Mindy, how about you? What have you ever been loving recently from a productiveness standpoint?
Mindy Jensen:
Okay, this one you need to bear with me, as a result of it doesn’t sound like a productiveness tip at first. However I don’t fly on a flight earlier than 10:00 AM, and I don’t land after 7:00 PM.
And the reason being, I can’t sleep the evening earlier than a flight if I’ve to set an alarm. I’m up nicely prematurely of any flight that has to take off at 10:00 AM. But when I’ve to set an alarm, I don’t sleep all the evening, which wrecks my complete day of journey, which form of wrecks my complete trip.
On the identical token, if I land late, I get dwelling tremendous late, which wrecks my complete evening of sleep then, too. So I’ve acquired a number of days that I’m attempting to make amends for my sleep, which is able to actually destroy your productiveness. The rationale it is a cash hack and a productiveness hack is that the most affordable flights are tremendous early or tremendous late.
So I’ve determined, once more along side the exercising my spending muscle, I’m not flying out early, and I’m not touchdown late, simply to save lots of a few bucks. As a result of it wrecks my week.
Scott Trench:
I utterly agree. The lack of a day or two, or the flexibility to make nice selections for a day or two from crimson eyes, can typically not be price it. And I solely fly red-eyes when there’s actually no different cheap choice, or if I’ve an entire weekend to recuperate with it. However then my weekend’s shot, so I actually don’t like to try this both.
However yeah, utterly agree.
Mindy Jensen:
Scott, any productiveness instruments that you’re utilizing?
Scott Trench:
Yeah. I might say, other than my goal-setting stuff, I’m actually large into audio content material consumption. So I clearly use Spotify and Apple Podcasts to hearken to lots of podcasts. I exploit Audible. And I’ve lately, embarrassingly as a result of I’ve run a cash podcast with you right here, rediscovered the general public library.
The general public library right here in Jefferson County, Colorado not less than, has principally Audible free of charge by way of a wide range of apps. You get a library card, you go in there, it’s tremendous simple. And you may borrow virtually any book or virtually any audiobook free of charge from the library. So I’ve been utilizing that rather a lot recently.
One particular hack I’ve, not hack however tip I’ve is, I’ll often, if there’s an audiobook that or a topic that I really feel like I really want to grasp shortly, or not less than get a grounding in shortly, I’ll get a Audible ebook and the Kindle model. And the explanation I’ll do that, and it is likely to be 40 bucks between these two issues and it feels like rather a lot, however I can hearken to the ebook at two, or two-and-a-half, or generally even three-times pace relying on the narrator and comply with together with the Kindle.
And that enables me to, very quickly in a matter of hours, take in a complete ebook and retain it fairly nicely on a brand new topic. In order that’s a bit of tip that I’ll use generally. It’s not tremendous cost-efficient, but when you actually need to grasp a brand new topic shortly, that may be highly effective. And also you’re capable of give your a hundred-percent consideration to the duty.
Mindy Jensen:
Scott, do you’ve got a random, life-changing product that you simply love?
Scott Trench:
There’s a self-help guru named Darren Hardy who has written a bit of journal referred to as Dwelling Your Greatest 12 months Ever. And it’s acquired lots of this type of self-help stuff, such as you signal a pledge to your self that you simply’re going to maintain your objectives for the subsequent 12 months, and also you do all that. I’ve been doing this factor for 10 years in a row now, and I attribute lots of my group across the purpose setting-stuff to this product.
It’s like a $40 journal and it has a weekly planner. Simply, forces of perform round, what are the highest three objectives, what are you going to do associated to these objectives? How are you going to deal with the whirlwind, he calls it the vortex, of issues which might be going to return up within the week? Like, it’s tax season, acquired to get the taxes completed. It’s not one among my high objectives, however acquired to get it completed, after which listed here are the habits that we need to type on this week.
Tremendous easy construction. And I will need to have crammed out this factor 90% of the weeks during the last 10 years straight. Not each week, however the overwhelming majority of them. And I really feel like that’s such a robust factor there. You may get that ebook, Dwelling Your Greatest 12 months Ever. Once more, not a monetary affiliate of BiggerPockets.
I really e mail Darren Hardy annually and inform him how a lot the ebook helps. Certainly one of these years, he’ll reply to me. In case you’re listening, let me know. However that’s a very good product. There are free journals which you can obtain. There’s stuff you will get on the grocery store that has comparable merchandise, or on Amazon. However go get a kind of issues, and simply begin the method not less than weekly monitoring that. It’s so highly effective, and it’s not a giant price.
Mindy Jensen:
That’s superior, Scott. And 90% of each week during the last 10 years, that’s very spectacular.
Scott Trench:
I believe that’s most likely proper. It’s most likely in that ballpark. There’s undoubtedly been a couple-month stretches right here and there the place I’ve skipped it or gotten away from it, however I all the time come again to it as a result of it’s so highly effective. Mindy, what’s your random life-changing product you’re keen on?
Mindy Jensen:
I really like Google Preserve. It’s a note-taking app that’s on my telephone, nevertheless it additionally saves to the cloud. After which after I get to my laptop, I can see it on my laptop as nicely. So each observe that I take as I’m strolling across the observe on the health club, or as I’m sitting at a stoplight, ooh, I’ve to recollect to do that. I then have it on my laptop as nicely.
I don’t have nice eyesight, so it’s troublesome for me to see issues on my telephone, which makes it arduous for me to do issues on my telephone. However I can discuss to textual content after which I can see it on my laptop display, and it’s completely improbable methods to remind myself of all kinds of issues. Spending concepts, journeys, actually any random thought I’ve that I need to bear in mind. And it’s free, which is my favourite price of all.
Scott Trench:
Like it. Yeah, I must do higher a job at that. I nonetheless take all of my notes in pen and paper, and there are large issues related to that. Or not less than all of my goal-setting notes in pen and paper. I want I might adapt the mindset of translating that purpose setting stuff that I did into one thing like this. I simply, It’s a problem for me to transpose it with the behavior fashioned over all this time.
Mindy Jensen:
Properly, If the place your issues are, then having the ability to write them down is nice. However generally you reside in a home the place there are different individuals, they usually transfer your issues, after which they will by no means discover them. And generally it’s simply simpler to know the place your telephone is. Not that I’m talking from private expertise, everyone within the Jensen household.
Stick with us. After the break, we’ll reveal the one most necessary monetary software that helped us get to monetary independence.
Okay Scott, now’s time to speak in regards to the form of unhappy side of Valentine’s Day. Typically you need to break up. Is there any productiveness software, cash product, or behavior that you simply’re breaking apart with?
Scott Trench:
Properly, I broke up with Mint.
Mindy Jensen:
They broke up with you.
Scott Trench:
Yeah, they broke up with me. That’s proper, it wasn’t me.
Mindy Jensen:
And everyone. It’s not you, it’s them.
Scott Trench:
Yeah, yeah, no matter it was. Yeah. So yeah, Mint’s out, Monarch’s in, as I discussed earlier.
One other one I’m going to vary over is Robinhood. I’ve discovered Robinhood simple to make use of and all these sorts of issues. Nothing in opposition to Robinhood, I simply really feel like Schwab is a bit of bit extra highly effective. And once more, I all the time prefer to say this, no monetary affiliation or something like that with Robinhood or Schwab right here.
However I simply assume that the analysis analytics and the tenure of Schwab makes me really feel just a bit bit safer and assured as I start the subsequent couple of years of investing. So I’m not liquidating my Robinhood account, I’m simply not contributing extra to it. I’m going to place that every one in Schwab going ahead. How about you?
Mindy Jensen:
Properly, Scott, like Ross and Rachel, I’m on a break with my custom-made spending tracker. Did you get that joke? Do you even know who Ross and Rachel are?
Scott Trench:
Sure, I do know Associates, Mindy. Certain.
Mindy Jensen:
My custom-made spending tracker helped me at first, 10 years in the past, 12 years in the past, acknowledge the place my spending holes had been. Or my spending black holes had been. And now I don’t want it anymore. So I’m taking a little bit of a break, whereas nonetheless protecting an general eye to verify I don’t go from $60,000 a 12 months spend to $600,000 a 12 months. However everyone knows that’s not going to truly occur.
However I’m not going to have the ability to proceed to train my spending muscle if I’m consistently obsessing over how a lot cash I’ve spent each month. And now that I’m within the monetary place that I would not have to consistently obsess over how a lot I’m spending, I’m taking a break.
Scott Trench:
One other breakup I’m going to have this 12 months, Mindy, is multifamily syndications and funds. I’m about to jot down, could also be launched by the point this episode comes out, a 5,000 phrase thesis on why I believe multifamily goes to crash much more in 2024.
And whereas, sure, that’s market timing, which you shouldn’t do and I shouldn’t do, I simply can’t assist myself. And I need to keep out of that. I’m getting my butt kicked on a syndication. Not the fault of the syndicator in my opinion, I knew the dangers simply stepping into. I don’t assume they operated poorly, I simply assume it’s an rate of interest difficulty. However I believe that there’s going to be much more of that on the horizon in 2024 with all the availability coming on-line.
So studying my lesson from getting my butt kicked, watch and see how this subsequent 12 months goes. However I do assume there’ll be alternative on the horizon in 2025 and 2026 as that stress continues to mount.
Mindy Jensen:
And I encourage everyone who’s invested in syndications to hearken to episode 456 with Jay Scott, the place we talked about among the issues that may go unsuitable in a syndication, and among the flags to search for, the main indicators that would sign a possible drawback together with your syndication.
I additionally had some syndications that didn’t carry out in addition to they need to have. And I do assume that it’s rather a lot to do with the meteoric rise of rates of interest. I don’t know that there has ever been an rate of interest hike so quick and so excessive. Has there, within the historical past of American finance?
Scott Trench:
As a proportion? Most likely no. If something comes shut, it’s most likely that large rise within the seventies and eighties the place rates of interest actually went up. Possibly they went up extra in a condensed time frame there, however not as a proportion. However going from zero to 1 is a big change, proper?
Mindy Jensen:
Sure.
Scott Trench:
So going from zero to 4, zero to five-and-a-half, five-and-a-quarter, is admittedly what the federal funds charge has gone to primarily within the final two years. And that’s a giant change. And one merchandise on there, we’re beginning to stray a bit of bit off-topic on that’s, the yield curve is inverted. So the tenure is at 4, and it’s normally 150 foundation factors above the federal funds charge.
Proper now the federal funds charge’s at 5.3. So for the tenure to not not rise, the federal fund charge has to go to about 2.6%. That’s 9 or 10 charge cuts from the Fed, which might be historic.
Mindy Jensen:
Yeah.
Scott Trench:
And I don’t assume that’s going to occur, so I believe rates of interest are going to remain excessive the subsequent couple of years. And I is likely to be alone in that one, the market appears to disagree. But it surely’s actually arduous for me to examine a actuality the place the Fed reduces charges 9 or 10 occasions in a rush over the subsequent couple of years. That’s principally admitting that they had been full idiots during the last couple of years. And whereas lots of people assume they’re, I don’t.
Mindy Jensen:
Okay. Scott, let’s get a bit of off-topic, off monetary matters. Are there any non-financial merchandise that you’ll not be spending cash on?
Scott Trench:
Yeah. I’m a giant Eagles fan, and their catastrophic collapse within the back-half of the 12 months meant that I not wanted my YouTube TV and NFL Sunday ticket subscription, which I’ve splurged on the final two years. So yeah, I’m canceling that, and I’ve no entry to streaming tv proper now apart from Netflix and Max. So yeah, no matter’s on common TV I can’t watch proper now.
Mindy Jensen:
Properly Scott, I’m going to say that if you wish to proceed that streak, you may simply turn into a Bears fan, and then you definately’ll all the time be dissatisfied within the second half of the season.
Didn’t your Eagles go seven and O?
Scott Trench:
The Eagles had an exceptional begin to the season, and had been at one level ranked primary within the energy rankings. After which simply completely collapsed, back-half of the 12 months.
Mindy Jensen:
Completely collapsed. Properly, I’m sorry for his or her losses, Scott. And in addition, welcome to the membership.
Scott Trench:
Properly, other than breaking apart with the Bears, are there some other non-financial merchandise that you simply’re not going to spend any cash on?
Mindy Jensen:
In the identical vein as you Scott, I simply canceled a bunch of streaming companies that I had signed up for to observe particular exhibits. After which after I was completed with the present, I didn’t cancel the service. So I’m wanting proper at you, Paramount, for Inkmaster. And Peacock for one season of Fits. Why couldn’t that final season be on Netflix?
So anyway, I’ve canceled these. And I hope that it is a reminder to anyone listening that if they’ve unwatched streaming programs as a result of they had been simply going to observe that one present, cancel it. Simply put this episode on pause, and go as much as your TV or your laptop, and cancel that subscription proper now.
Scott Trench:
Mindy, what was a software that was indispensable to you in your journey to monetary independence
Mindy Jensen:
For people who find themselves beginning their journey, I believe it’s so necessary to trace your spending and observe your web price, the whole lot in your monetary software belt. And the product that we used once we had been beginning out is known as, it’s now referred to as Empower Private Wealth, however again then it was referred to as Private Capital.
And it was, you load up all your accounts into this technique, and you may then observe the entire totally different sources of revenue, all of the totally different sources of investments that you’ve got. In case you simply have one, like a traditional individual, it is likely to be simple so that you can simply test Constancy day by day. However for those who’re loopy like we’re, and have them everywhere, having an organization like Private Capital or Empower Private Wealth will assist you maintain observe of them once they’re in a number of areas.
Scott Trench:
And simply to echo that, what these merchandise do, Mint, Private Capital, Monarch, there are different platforms as nicely, is that if they’re good at it, they’ll do two issues for you.
One is create what we name right here at BiggerPockets a participant’s scorecard, proper? You may check out it and in 5 seconds inform for those who’re successful, or dropping, or making progress. And the opposite is what we name a coach’s scorecard, which has tons of extra information; your complete price range, each expense, and all these different issues so that you can mine and observe and take a look at all these totally different traits.
And I believe that these merchandise are likely to do a very good job in each of these areas, of providing you with that snapshot so you may simply test and see for those who’re successful. But additionally the flexibility to enter that extra granular element to research traits and the place your large bills are, and instantly discover drawback areas or alternatives.
Mindy Jensen:
Scott, this was tremendous, tremendous enjoyable. I actually loved listening to about your monetary instruments, and I do want to start out journaling. I’m going to get a duplicate of that Darren Hardy ebook. Superior. Do you’ve got any plans for Valentine’s Day?
Scott Trench:
Valentine’s Day, really the fifteenth, we can be touring to Cancun for a bit of trip with some household. So, yeah. I haven’t been anyplace sunny in a very long time, and I’m very a lot wanting ahead to that.
Mindy Jensen:
Properly, that’s superior. Scott, I hope you’ve got a good time.
Scott Trench:
Oh, and we’re really having a bunch retreat, and lots of the podcast hosts from Rookie, from Actual Property, Dave Meyer from On The Market, a few the On The Market hosts, we’ll, really I’ll be on the town and we’ll go snowboarding on Valentine’s Day. So snowboarding after which straight to trip. Work and play. Or is all of it play? I don’t know. Yeah, it’ll be a very good week.
Mindy Jensen:
Properly, that sounds superior. I’m going to go snowboarding with you guys.
Scott Trench:
All proper. Yeah.
Mindy Jensen:
All proper, Scott. Properly, let’s go hit the slopes. That wraps up this episode of the BiggerPockets Cash Podcast. He, in fact, is the Scott Trench. And I’m Mindy Jensen saying goodbye, Cherry Pie.
Scott Trench:
In case you loved at present’s episode, please give us a five-star evaluate on Spotify or Apple. And for those who’re searching for much more cash content material, be at liberty to go to our YouTube channel at youtube.com/biggerpocketsmoney.
Mindy Jensen:
BiggerPockets Cash was created by Mindy Jensen and Scott Trench, produced by Kaylin Bennett, enhancing by Exodus Media, Copywriting by Nate Weintraub. Lastly, a giant thanks to the BiggerPockets crew for making this present potential.
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