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A lot of our students, our customers to us tend to go into the real estate world, so they’ll use this save money to buy more. And then the second thing they’re they’re doing is they’re building memories with their families because all that money that was going to bank now stays in their pocket. And this is when we start to see people achieve true financial peace of mind is when they are in control building wealth.

And building memories. What would your life look like if you could replace all of your working income with simple and conservative investments that could do it for you? Over the last 13 years, we’ve helped thousands of clients transact over half a billion dollars in simple and conservative real estate transactions, allowing them to begin replacing their work income with real estate investment income.

Each week, we’ll be pulling back the curtain on the ins and outs of real time. Retirement based real estate transactions that will transform your financial future even if you have no real estate experience. This is Replace Your Income with me, Kevin Clayson and Steve Earl. All well. Hello everybody and welcome to Replace Your Income with Kevin and Steve.

Steve. What’s up man? How are you? I’m doing well. How about yourself? Doing so good. So last week you guys, we got to do our election special with Buck Sexton, uh, which was awesome. And Steve, we are recording this shortly after the election of 20, and I gotta sayed that we’re, I thought explode didn’t side of the, the aisle, right?

It. I thought that somehow, some way we were just gonna implode. But you know, ly, we woke up this morning and the world was still working and. Life was still good. I woke up and I looked at my hands. I was like, My fingers still move. I looked outside, the sky hadn’t fallen. It’s crazy. It’s unbelievable. And so, gosh, you know, it is such a crazy time.

I mean, 2020 has just been insane, period. I can’t believe we had an election in 2020, but I gotta tell you what really happened for me. This. So when we’re recording this, we’re this literally the day after the election. So like I was up late watching returns and stuff like that, and I woke up and I felt I didn’t know who’s go.

We still a, as of this moment that we’re recording, we still don’t know who won the presidential election, right? Maybe by the time this airs we’re gonna know, but I woke up and I felt super optimistic. I’m like, It doesn’t matter because here’s what I know is that regardless of what happens around. We always retain 100% control over how we decide to interact with it.

And I’m like, you know what? More than ever, like you set all the political stuff aside and we just need to start re-see each other as humans. And I had this friend of mine who was texting me and he was like, chicken little. He’s like, I don’t know who was gonna happen. I just have this pit in my stomach.

And I was like, Mark, you know what, lemme tell you why, how you can get rid of the pit in your stomach. Like just go say hi to somebody and serve ’em. Like it’s amazing. How that removes the pit. When we start to stop, focus on ourselves and we just ship focus to someone else and ever, then I’ve Awesome day.

Well, so you’ve history’s

some of the different, you know, when the, when the country got started and here’s the. Every election is the same. Everybody thinks that if the, if the other side wins, then it’s the end of the country know every single time and people, the fighting was worse. It’s the entire history of the, it’s not you.

Back to the Adams, Jefferson, he was knock him down. It was, there was vitriol. It was, I mean, you had people. What do you call it? Like what happened with Hamilton when we Oh, that’s called a Broadway musical that mean, Yeah. One of those things you dual like the is we in a society where there are competing ideas and that’s the beauty of what we.

It would be nice if there could be more compromise, if there could be more, you know, crossing of the aisles and so on at some point, maybe at different points there. There is some of that, and the pendulum tends to swing to the right and then swings to the of the day somewhere in the middle. Ands and moves.

Know, I’m with you Kevin. I’m so optimistic. The future about 2021, about in fact the next Q4 for that matter. I’m excited about what’s happening and what’s going on the last three months of this year. I’m excited for the opportunities that are, are right before, regardless actually of who wins the election.

And so we just, we live in that type of society where somehow, some way we as Americans, We make it happen. Yep. I agree. And I, I think the best way to put it for today, and then we’ll transition into the episode, it comes from our Instagram today, and here’s what our Instagram post says. If you’re our friend, and this goes to everybody, all that replace your income, listeners are, this is my message to you, um, from our Instagram.

If you’re our friend and you voted for Trump, you’re still our friend. If you’re our friend and you voted for Biden, you’re still our friend. If you’re our friend and you used another company for your real estate investing needs, you’re dead to us. And I think that really is. I’m just kidding. . No, but we are so pumped to be on this episode and I am so excited cuz we have another amazing special guest and this is somebody who I have tremendous respect for somebody who’s gonna blow your mind with his level of understanding.

Of all things financial education and just kind of the world of finance. And he’s a guy who I’ve shared the stage with. I’ve watched this man on stage in front of hundreds and hundreds and hundreds of people. Literally, they are just mouth gaping, open, listening to every word he has to share. Uh, he and I have also shared a couple stages where we had a dance off.

Um, he won and and I gotta tell you, I was in Hawaii with this. In January, we were at one of his events. He was kind enough to let us come out and talk. And Alan, uh, Aquina is who’s with us. And I gotta tell you, you watch a come off stage and literally everybody in the room wants to shake this dude’s hand.

They wanna talk to him. They wanna know how they can get closer to him. And so I feel incredibly excited that we get to have you as a guest today. Alan, by the way, Alan Aquina. Is the founder of 1 0 1 Financial, a, a probably the world, not probably the world’s greatest financial education company. He’s helped over 20,000 families shift their entire financial lives.

He’s got, he’s got an extremely successful company. It’s been on the Ink 500. It’s one of Hawaii’s. It’s been one of Hawaii’s top. 50 fastest growing companies. Uh, here’s a guy who shows up in Hawaii on the news frequently. He lives in Utah now, and I have watched this man change people’s lives. And so without any further ado, here is our friend, the amazing CEO and founder of 1 0 1 Financial, Alan Aquina.

What’s up bro? Aloha my brothers. How you doing? We are fantastic, man. I’m so excited you could come on this show, Alan, when we started this podcast, you were like one of the first people I wanted to get on, and I know you’re so busy and we’ve been busy, so thank you for making the time to come on and, and chat with the replace your Income Warriors out there.

I’m glad you invited me. The only thing I wish you would’ve had the ability to do was have another dance off . I know you said I won, but I really didn’t. You’re in front of all my people. But if you haven’t, Kevin, White boy. Really, really good. . Oh, that’s awesome, man. Seen him split his pants on stage. I think I heard about that story.

Yeah. Somebody, somebody was telling me about that. Yeah. That’s, that has happened. I, I dunno if we shoulda brought that up. Cause that’s like stuck in my mind now. Share all this information that visual is not gonna go away yet. Yeah. Well, Alan, we’re so excited to have you, man. And, and look. A, one of the things that you are really, really good at is articulating some of the, I would say, kind of limitations of traditional financial mindset, and we’ve talked a lot about that on replace your income, right?

We’ve talked on this podcast, we’ve talked about how. Why we like real estate as an alternative to maybe traditional kind of retirement investments and, and we’re, everything we do on this show, it seems like Steve and I we’re always having these conversations where we’re kind of the counterculture, right?

Like there’s this kind of prevailing culture of how we ought look at our money and how we ought look at finance and even investments and it’s what a lot of people follow. But that has led to this situation where like, 80 to 90% of Americans are not adequately prepared financially for retirement. And I know you have a mission, Alan, of freeing people financially, which is why we wanted to have you on, and I kind of wanted to start with this.

I mean, you, you have this incredible financial education company. You’re changing all of these people’s lives. Give us your background and then share with us what are some of those things that most Americans don’t know. You know, kind of financial stuff and financial education that they should know. Yeah, I appreciate that.

And um, again, I appreciate you guys having me on. This is a passion of mine to be able to teach. And, and so just a little background on myself. I started my company 1 0 1 Financial. 18 years ago this week. That’s awesome. 18 years ago this week in Hawaii. I was four years old when I started the company . So I’m in my early twentie, but I did it.

I, I started this company because of my childhood experiences. I, I grew up in islands and, and if any of you listeners out there have been to Hawaii, you know what it. Beauty full, right? Is amazing. The only problem with living in Hawaii is that beauty costs a lot of money. It’s very, very expensive to live in paradise.

And so for me, when I grew up, uh, going through school from kindergarten till I graduated high school, I was on the free lunch program. From, uh, kindergarten to graduation, uh, to to senior year. Free lunch, free breakfast, wic, food stamps, government cheese. I talk about this all the time. That government cheese block, that’s like this rectangle and some of you out there know what I’m talking about cuz if, you know, you know, that was our snack growing up.

My, my parents never got the chance to own a house for very long in. They owned a house. It was after I graduated high school for one year, then got taken back by the bank and, and previous to that, we’d move around from house to house, apartment, apartment. And the struggle was real. And, and I’m not here to complain about that.

And I’m actually thankful for my childhood days cuz I really feel like it instilled in me this curiosity. This curiosity, I wanted to know, I, I wanted to know about how money worked. Uh, not that I wanted to be a millionaire or anything like that, I thought that would be cool to do, but I really wanted to know what are the steps I need to take?

And so I dedicated a huge portion of my life to learning and studying, and I started teaching people. Just, you know, here and their, you know, just in small little groups or one at a time and, and it grew into a company that I was able to start, and I absolutely love it. This was 18 years ago. I started with $20,000 and within our first seven years of business with no advertising budget, just all referrals, we made ink.

The in magazines top 500 fastest growing companies. In fact, we’re we’re the second company from the state of Hawaii to ever make the in 500 list. And we’re like, Wow. I mean, I just kinda pulled my head up out of the trenches, like, I think we’re onto something. I think we’re really onto something for Americans to know, right?

It’s that financial education. It’s the stuff that we should have learned in school. But for some reason, and, and, and I have, I mean, we could spend hours on this of my theories of why they don’t teach us this stuff in school, but they really wanna keep us in the dark. So we have to rely on what the bank say.

These large financial, financial institutions, we, we have to lean on them because we don’t know. And, and that is where companies like yours done for you. Companies like One, One Financial come in and fill the void. And, and that void actually happens to be huge. This affects millions and millions and millions of families all across the country.

And I know one of the big missions that, that you have, and I love this, is, I don’t know if you’ve ever, uh, it’s probably impossible to tabulate, but if you were to guess. And maybe I shouldn’t make you do this cuz numbers can be tricky, but I know you have saved American families, maybe at this point, hundreds of millions of dollars of interest that they would’ve otherwise had to pay.

Do you think, is that, is that a fair assessment? Oh yeah. And and actually it’s a lot more, so I think the numbers you’re reading off was from an old bio. Today we’re at just over 40,000. Families that we’ve helped out and, uh, we’re well over a billion dollars in interest that we, we’ve helped families to save and actually keep in their pocket.

Which by the way, right, this was money that was scheduled to go to the bank in interest. And, and I, I’m sure your listeners know that one of the biggest hidden quote unquote hidden costs that’s in our budget, even if we don’t have a budget, it’s accounted for every month. Debt payments, but specifically in.

To banks, and that’s a big part of our, our debt and a big part of our expenses. Well, we’ve shown people, tens of thousands of people, how to reduce that interest cost by 50% or more just by managing the, their, their checking account. Just understanding how banks work and using different kinds of checking accounts could cut their interest costs, not the rate I’m talking about, the total interest.

And over time we’re talking about hundreds of thousands of dollars in intra saved, which I’ve seen thousands of my students do. And and a lot of are doing this with your company, is they’re taking this saved interest and they’re doing two things with it. Number one, they’re building more wealth and a lot of our, a lot of our students who our customers to us tend to go into the real estate world.

So they’ll, they’ll use this save money to buy more. And then the second thing they’re, they’re doing is they’re building memories with their families. Uh, because all that money that was going bank now stays in their pocket. This is when we start to see people achieve true financial. Peace of mind is, are in control, building wealth and building memories.

I love that so much. You know, I, I think of this all the time. I think that there’s two things that most of us don’t think we have control over, and that’s the age that we want retire or have that sort of, that, you know, freedom. And then the amount of income we want to have when that day rolls around. And, and I know one of the things that you guys are really good at is getting someone to that age of freedom, meaning in a much, much condensed, shorter timeframe, so that then they could do something like invest in real estate, where now they can dictate more of what the income is that they wanna be able to have when they look to retirement and when they look to kind of that financial freedom.

And one time, Alan, you came and you talked to our company. And you were kind of sharing some things, and I remember you were talking about this really to me, I was just fascinated with it. It was something that I didn’t know you were talking about kind of when we end up paying our bills and, and how the interest works with the banks and how that works from a calendaring.

Standpoint and you just shared some awesome stuff. Now I know you had some really cool slides that kind of went with it. Would you kinda share some of that? Cause that’s one of those things that I feel like nobody understands that it, it actually matters when you pay your bills and what the data, the calendar is within a month as far as what you’re paying and interest and, and how that’s ultimately affecting you when your ability to, to be free sooner.

Will you just kinda speak to that briefly? Cause I think that’s just a fascinating topic that most people have no idea. I just wanted interrupt just real quick because Kevin said something so I, you answer that if you in context or, or maybe could separate, but Kevin touched on this of retirement. I just wanted to get definition of retirement and then, and then please jump into that, into the more technical that you’re about to jump into.

But I, I think that you have a really unique perspective. On what does it even mean to retire? Is it like when we turn 65, we’re a little bit grade, Do we now, you know, just hit the golf course? Or what, what does retirement mean to you? I call it my HAA number. So when I teach people, I talk about having your HAA number and uh, that sounds like your really cool Hawaiian name, but HAA stands for happily.

Ever after number. Okay, so this is, this is what you’re this in. In other words, your retirement. What is that number? And I like to break it down for people on a monthly basis. So what is that monthly income that you need to have coming in, not from your job? But from your assets, like your rental properties or maybe from your 401k, what is that number?

Is it $5,000 a month? 10,000, 20,000, $50,000 a month? That’s, that’s the Haya number, and that is the target that we help to set. So it’s. It’s starting with that number and when we start, when we help people to build these plans. And that’s why I, I love working with you guys. Cause to me that 1 0 1 financial and the done for you marriage is such a great thing and here for, for two reasons.

Number one is you build a detailed retirement plan and you give. Right to get there. And at 1 0 1 Financial, we build them, uh, detailed targets on getting outta debt and managing their cash flow. And you bring those two things together, that is a home run all day. But lemme get back to the Haya number. We start with the end in mind with, okay, what is the number that you wanna achieve?

Once we get that number, and so let’s say it’s Bobby, Bobby wants to retire with $10,000 a month. So we, we set that and then we ask what timeframe. Then we put an age to it or a timeline, and then we work backwards to build into that number. So if you want 10,000 a month, you’re gonna need, you know, maybe five to seven properties, and then we’ll pay ’em off.

And then in that, 15 years, all these properties will be paid off and you’ll be at that number, right? You can get to that number faster when you don’t have a mortgage and you’re just paying the taxes and insurance. So those are things that we look at when we. When we build re projections for their haya number, the retirement, and then we try to, you know, simplify it for them and, and then show them that when you retire with this number, you can also, uh, be on track to pay off all the mortgages.

So it reduces the stress as well, having to carry, carry all of those notes, if you will. So I love it because so many people get caught up in, in like they have like, Preconceived notion, this, this false idea of what retirement is. I say all the time, it’s like, like from, from the standpoint of retirement, like not working and not doing productive things, I’m never gonna retire.

Right? I’m not, I’m not built to sit on the toes sitting lemonade. I would probably within the, and I think most people are built that. And, and so I love, it’s so brilliant, this, this haa number where it’s like, Hey, you know, once I get to this number and it’s kinda like replace, it’s just replace your income, whether it’s a month or thousand a, whatever that number is, that allows you to be productive doing something that you really, whether it’s volunteer service or whether.

Helping other businesses succeed by, you know, donating your time and your talents and your wisdom and expertise to help them out, whatever that might be. But the thing that’s gonna free you up to be able to do those, those types of things is getting to your number. So I, I, I love it. I, I think that we’re so aligned in terms of what retirement really is, and I’m hopeful that those listening to us today understand this concept.

Retirement does it, It doesn’t take millions and millions of dollars. It, it’s what you said, it’s having assets that are producing enough for you to be able to go and do what you were to do. Yeah, and the cool thing, Steve, about that is the, the retirement is really their number. What is it that you want, Right?

What is, what is that? Pay a number to you and, and whatever that is to you is, is what it’s gonna be. Now let’s go work to get. But unfortunately for the majority, I’m saying 90 plus percent of people in our country or across the world, number one, they don’t even know what the HA number is. And, and they don’t put it in a simple way, like, hey, monthly income from re from assets.

Uh, number two, they don’t have a plan or the, the access to investments that can get them there. And then the third thing, they don’t have a detailed. Uh, daily financial plan, which is how do I manage my day to day financial life to get to the ability to purchase assets, to be, to get on target for my numbers?

So

help clients on that day to day basis, to, to accomplish that end goal of, of. Yeah. So the, the first thing that we do for people, and again, just it’s, it’s pretty shocking that most people don’t do this, but we, we figure out what their starting line is. So what is your starting line? Which means where are you today financially?

What does your income look like on a monthly basis? What are your living expenses like? And then what are the debt payments like, and, and your, your total debt that you owe? And then we break that up into all the fine detail. And then we put it into a, what we call a 90 day financial roadmap. And this was something cool that I think a lot of people love from us is this detailed roadmap for three months, where we track every, do every dollar coming in, every dollar going out.

Bill’s a paid debt to pay when, and we do it for a minimum of three months. And you’d be surprised by just having this on paper, you know, or in, in our app we have a, a custom software program we built for this. It just frees your mind because now you can see things happening ahead of time as opposed to trying to figure it out and guess.

And we can, we can identify financial problems coming up. Like for example, today we can see something that would happen for Christmas, and we can make the necessary adjustments today at the beginning of November. To address the financial issues that’s gonna happen at the end of December, versus what most people do is they just kind of, Oh, there’s a problem.

Okay. They solved the problem by swiping the card again, which now just compounds the problem, which puts them further and further away. From being able to buy another property. And so it becomes an issue. That’s why a lot of people aren’t able to get into a position where they can qualify to buy rental properties.

And, and, um, so that’s my take on it, on, on the starting line. Now, the other thing that I’ll mention that people love is, uh, it’s a quote that I’m, I’m famous for. I’m, I’m not famous for much except for, for this one quote and, and the quote that, I, uh, give out all the time as this is that it really does matter where your money sits at night.

And the reason this is so powerful is because all of us, right, all of our, all of your listeners have forms of income. Some have income from a job, and then some have their, their income from a job and they have rental properties and all that cash flow. That income is flowing into a checking. Well, guess what?

The banks are smart. They’re, they’re smarter than most of us. So they have that money coming into the checking account and every night what happens is when that bank closes, they send in an employee called the sweeper. Now the sweeper’s job is to go in and they pull out all of our cash in our checking on our savings accounts, and they invest it in a thing called federal funds or fed funds.

And, and what this is, is like the interbank loan system and they’re earning interest and get some guess how much of that interest you and I. Yeah, we get nothing. We, we get zero. They’re earning all that on that money and pay us nothing for doing that. So we show people how to use different kinds of checking accounts.

I call ’em debt checking accounts. And, and they’re available at a handful of local banks and, and your city and state. But this debt checking account allows, uh, people average ordinary working Americans to take their paycheck and instead of putting in a checking account, they can put it right against their.

And what this does now is it suppresses the balance, which by the way, banks charges. Daily against the balance. So by having a lower daily balance, we pay less interest. And then what we tell our students to do is like, Hey, on every payment you make, we’re gonna save you some interest. Instead of spending that, let’s take that saved interest and let’s use it to pay down more principle.

Which by the way, when you pay down more principle, it frees up more interest to help us to pay down more principle, which saves us more interest. And we start. Out into the cabb,

be working for them every night and, and the concept is very simple. We can save more an interest than we would earn an. So if you think about all your interest earning accounts checking, which really isn’t, it’s zero. So your savings and CDs and things like that are gonna be, you know, one, one to two percentage points versus the interest that we pay.

So these are all of our liabilities. So out of your credit cards, car loan mortgages, your blended rate is gonna be around 10 to 12%. So in our opinion, our philosophy is that it’s much safer to try to save 10% than make two or three. And we do that with the money that we have. And so those are some of the things that I think people love and it just gives them that edge to be able to pay down that debt and, and it helps them to accelerate their debt payoff.

So now, instead of paying off a house in traditionally, you know, 30 years, right? That’s what most people get. Uh, the majority of our students are doing that in four to six years, which allows them to now say, You know what, If I can pay my house, let’s say five years, I’m gonna go buy another. And then that’s when they, they find people like you guys to find them a good deal that cash flows.

Cuz that’s the other problem people have is they don’t even know if a deal, what a deal looks like if it hit ’em on their, their forehead. So, you know, they need people like you experts to analyze these deals that cash it. But if they can manage their cash flow right, then they can pay off the next house and the next house.

Next house. So, so they might, by the time they retire, In 20 years, they might have five or 10 houses. Uh, but all those mortgages will be paid off as well by the time they hit their retirement. So those are is your program is real. Meaning I’ve seen like literally physically seen, I dunno, countless numbers of your clients who you’ve so generously referred over to us and you couldn’t be referring over to us if they weren’t executing and actually making happen what you just described.

It’s absolutely phenomenal to me to see, like, it, It’s always fun to see somebody plan and then it’s even funner to see it become reality where they’re, They’re exercising hope. They’re exercising faith. And then at that point where it’s like, holy cow, like this just actually happened. I have the ability now to invest in real estate in your program.

100% is what made it possible for them to do it. Like I, I’ve never, I’ve never seen a program like yours be so effective. And, and to see it actually happen, like to see the theory become reality. It, it’s just awesome. That’s, that’s why I love what I do. And, and, um, and we appreciate you taking care of our, our people.

In fact, I was just on a Zoom call a week and a half ago with, uh, with one of my students. Her name is Celeste, and she’s from the island, Maui. She’s, she’s awesome, great family. Um, she’s a realtor there now, even though she’s a realtor and she’s in the game. Prices for houses, and especially investment properties on Maui is so outta reach.

Right? And, and it’s not even gonna cash flow. You have to find like the super sweet deal or, you know, do some crazy things to get it to even break even. But she told me, she’s like, Ellen, I’m so thankful we just got, you know, our first, uh, investment property through done for you. And, and even though she was a realtor, she was able to take that knowledge and then purchase it through you outta state.

And, um, yeah, it’s just, it’s amazing to see and she was so grateful, so, so thankful. And the cashflow. Here’s what, here’s what I liked was the cash was better than on the projections that you gave her, the plan you gave her. So she, she said it was like four 20 a month instead of the projected, like 300 or something like that.

It was pretty amazing. And because she knows how to use that cash flow and, and not just the $425. Positive cash. Every month she’s using the entire rent check, right? The entire rent check to go against her, her debt, plus whatever income her and her husband makes. So it’s helping her to pay off debt and it’s gonna compound and put him in a position to buy another property faster.

That makes sense. It’s so awesome. I love Celeste and you’re, and I gotta say the 1 0 1 Financial clients are phenomenal. They’re so well qualified, they execute the program and they get after it. And that I, if you’re listening right now, replace your income listeners. That is one of the most critical components.

Anytime Steve and I are on here talking about certain principles. Or, or you know, whether it’s real estate or like today with a, where we’re talking some general financial principles. Listen, no matter what we say, no matter how good it looks, no matter how well it pencils out on paper, at the end of the day, if you don’t execute, it’s not gonna matter.

And so you could have the greatest plan on the planet. You could say, Oh my gosh, real estate’s gonna retire me. Oh, I’m gonna get outta debt. Oh, I’m gonna do all of these things. But if you don’t execute and actually get off the bench and get in the game, it never ever matters. And one of the things that is so impressive about the one-on-one financial family and your clients Allen, is they all get off the bench.

They all get in the game and they execute. And that’s why they’re so well qualified to be able to do real estate and to be able to move things forward. Um, as we kinda wrap up the episode, If you had one general sort of piece of financial advice that you could give, replace your income listeners, Alan, what would it be?

Here’s what I, I’ve been doing these programs for kids and, and college students and you know, they asked me like, So if you were back in college a what would you do? Um, I’m doing this program for the University of Hawaii Hilo men’s basketball program and they, they asked me this and I say, you know, I would’ve been a little more aggressive in acquiring assets at a younger age.

I should have bought a few more houses. Cause they, it’s just, I mean, now I look back, I mean, just, just in my own company’s lifetime, 18 years. And through that time, I, I, I did a lot of deals, but I should have kept more, I should have bought more that, that’s the one thing I regret. I should have been a little more aggressive.

And so, um, you know, to your listeners out there, I just say go for it and just challenge yourself to, to do a little bit more may maybe, you know, you’re good with two houses right now. Things are comfortable. You know, in 10 years you’re gonna look back. You’re like, Man, I should have had four or five. So, So push yourself, challenge yourself constantly.

Look at the deals that are coming out, Uh, with Kevin and Steve there, there’s always some really, you know, cool deals that are coming out and they, so as long as the numbers work, you know, try to get it in your portfolio. Cause the, the real estate, and like you guys said earlier, at the beginning of this episode, we don’t know who’s gonna be president as of right.

But that shouldn’t matter to your financial plan because this is about your personal economy. It’s not about the country’s economy. It’s about your personal economy. How are you handling that? Do you have a plan? Are you focused in on, are you, are you putting the time aside necessary for your financial life?

If not, there’s never been a better time to start than right now. And so that would be my advice and, uh, I hope that, um, Hope that resonates with your listeners. Oh yeah, 100%. And it resonates so much with what the conversations that Steve and I have on this podcast all the time. It’s why we love you, Alan.

It’s why we love the one-on-one financial clients. Because we’re aligned. We understand that there is something bigger for us to do as. People as Americans, as for us and for our families, like there’s so much unbelievable potential and possibility that’s before us. We just need the right tools. We need the right education, and we read.

We need the, we need to go and acquire the right kinds of assets that get us to our HAA number, that allow us to go and do the things that we were meant to do because, you know, No matter how much you love the work that you do, my guess is there’s also something in the back of your mind that you feel like you could be doing.

It’s a little bit more, You wanna give a nonprofit that you wanna support, um, some way that you wanna serve the world. And what Alan’s company does, what real estate gives you the ability to do is to get that haya number, to get more of. Thing that you know, you’re called to do in this life and to be able to do it sooner than you ever thought possible.

And that is what I love about what you do for folks, Alan and and your people. They really do work the program and they’re crushing it. And I think it’s awesome. It’s so inspiring for me to watch. So Alan, if anybody wants to learn more about one-on-one financial, if they wanna reach out to you, if they wanna get their mind around more of what it is you can help them do, what should they do and where should they?

Yeah, we’d be happy to help. So our website is 1 0 1 Financial do com, the number one zero oneal, and then I’ll give them my email if you need help. Right. Direction, you know I’m to help you. It’s just one oh oneal com to help and yeah, I appreciate you guys. And everything you’re doing for our, uh, you know, our, our students.

These are family to us. And, um, you know, we appreciate that and, uh, you, you’re taking care of our family members. So thank you guys. Uh, well, thank you Alan. Appreciate you K. Everybody go to 1 0 1 financial.com or email Allen at l. A L A n Allen at 1 0 1 financial.com and take some action. Get off the bench, get into the game.

See how you can take advantage of the financial tools and opportunities in front of you so you can replace your income, so you can get to your happily ever after number so you can live more of the life you were meant to live. And listen, whatever you wanna do, you’re the one that gets to decide. People like Alan and, and done for your real estate and just real estate in general, are the tools and the education that allows you to get there.

So take advantage of resources available to you. Don’t wait any longer. It’s time to do something more, and it’s possible today. That’s the beauty of it. And so with that, we will sign off. Steve, any last words as we’re wrapping up? None. I, I just, uh, say amen to everything that Alan said. Hundred percent awesome.

All right, everybody, thank you so much and we will see you next. Take care. Bye-bye. Thanks so much for listening to Replace Your Income with Kevin and Steve. Do you wanna connect with us and other income replacement rangers out to obliterate the status quo and experience real retirement with income replacement through real estate type done for you Real Estate USA in your Facebook search bar?

And make sure to like our company’s page, send us a message while you’re. And I’ll send you a personal hello and make sure you are on our weekly property scouting emails where you can view weekly deals right in your inbox. Until then, thanks so much for joining us on Replace Your Income and just remember income replacement for you and your family may only be one property away.

See you next week.