00;00;06;16 - 00;00;28;15

Unknown

Welcome to the Profit First for Real Estate Investing podcast. Every week we bring you top investors and experts sharing how they create clarity, cash flow and consistent profit. This episode is brought to you by simple CFO. Profit first. Profit always. Let's go. Today we have Martine Richardson, on which she's a real estate investor in this space for about ten years.

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Unknown

And she teaches what she's learned along the way. But she gives practical steps of if you want to get out of your rat race. Like, how many deals does that really mean? And she breaks it down into long term, mid term rental, short term rentals. Like if you're willing to buy and hold properties, give some really good practical advice.

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Unknown

So I don't care if you're way down your real estate journey are just starting. She's going to help you, at least with some of the actual practical steps of getting out of your own rat race, which I really like a lot. So please listen to her. And she gives a secret sauce of what has helped her on the way in her real estate investing journey.

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Unknown

Hey. Hey, everyone. It is David Richter of the Profit First I podcast. Have Martine Richardson here today. Super excited because I met her I think several years ago when I was living in Richmond. Super respected in her area, she does a lot of great things, helping a lot of people in the real estate space, but also real estate investor herself.

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Unknown

Her journey has been pretty awesome. So I'm super excited, Martine, to have you on today. Well, thank you so much for having me on, David. I'm really humbled by being on your podcast, and I'm I really hope that my experience that I share with people that they take action on it and they add some value to their lives.

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Unknown

Yeah, that's what I want from this is actionable advice for people to be able to go out there and and get help. So tell people a little bit, if they don't know who you are or what you're doing or what, like what brought you down the real estate space. So that way they get a little frame of reference before we get into the meat and potatoes.

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Unknown

Well, cool. I'll just, I guess, give a brief, you know, synopsis of my story. So, I've so I've been working since, like, you know, teenage years and things of that nature. And I always thought you know, when I got my degree that I'd have a job that I loved. You know, grass is greener on the other side.

00;02;18;03 - 00;02;37;25

Unknown

So, I got my degree in finance. I started working a job in the DC area. I live in Richmond. Just a frame of reference, about two hours away. But my advisor told me to go to DC. Apparently they have lots of connections there, so I got a job there, and it turns out I still hated it.

00;02;37;28 - 00;02;59;25

Unknown

Okay, I wasn't making enough money. I didn't have the time freedom that I wanted, and it just wasn't what I thought it was going to be. I ended up getting fired from that job. Oh, and, you know, it sucked at the time because I had bought a car and stuff while I was there, and I'm like, oh, man, how I'm going to afford this car.

00;02;59;27 - 00;03;20;18

Unknown

But, anyway, I ended up moving back to Richmond. My dad, he noticed the entrepreneur bug in me, so he said, you ought to get into real estate investing. And I said, well, how am I going to do that? I don't know anybody successful at that. I don't have any money like, how's that going to work? And he's like, you're smart.

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Unknown

You'll figure it out. So, he was right. I did figure it out. So I started just hanging around people that not were at the goal. That was a little bit too intimidating for me at the beginning. Just people that were hungry. We wanted more out of our lives. We wanted to do more, and someone gave me a book, called How to Quit Your Job in 19 Weeks by Sean Terry.

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Unknown

Okay. And that book they talked about wholesaling, and I really didn't do much with it when I first read it. Remember that car I told you about? When I, worked that first job out of college? Well, that car got repossessed, and when that car got repossessed the next day, I started taking real estate seriously.

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Unknown

Because in my mind, I thought, well, if I could just make enough to get the car back. So, that started my journey. And to get into real estate. And it just it just opened a door for me that, you know, now I focus on buy and hold investing because it really is the path to wealth.

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Unknown

If I could start over again, I wouldn't have done wholesale and I would have just went straight to buy and hold. But, you you live and you learn, right? But I'm hoping that your listeners learn from my mistakes and you go straight for the gusto. Okay. So you would have done it differently and gone the buy and hold route, instead of wholesale up front.

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Unknown

Now, you hear a lot of people say, like, buy and hold. You have to have money for that. So like, do you buy a creatively or do you have a lot of money when you came into it? I mean, I don't know, you gave the car to car story, so I don't I don't want to assume anything though ever.

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Unknown

But like I want to hear your side of it, of, you know, I tend to buy them. Yeah. So I was able to build my rental portfolio that now bought my freedom, by using other people's money. And I learned that along the journey. The first. So the reason I got into renting properties was, like, my bread and butter is,

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Unknown

I accidentally became a landlord, to be honest with you. And the reason I say accidentally is because I. Every time I spoke to someone, I went in their house. I would ask them, hey, do you want a cash offer or would you take payments? And most people would say, I want the cash offer. Well, I want in one house.

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Unknown

And he said, I'll take the payments. And in my head I'm thinking, you'll take the payments. Nobody takes the payments. So I said, well, let me see how I'm going to structure the deal so I can, you know, make you an offer on that. And what I was really meaning was, let me figure out how to do this, because nobody ever takes the payments.

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Unknown

Yeah. That's crazy. So so I went to a meet up. I said, hey, I wanted someone's house, and they told me they take the payments. I don't even know how to structure the deal. They showed me how to structure the deal. I presented it to the seller. We went back and forth a little bit on negotiating, but we what I did was a lease option agreement, and then I ended up doing a sandwich lease option agreement and, by doing that, I started getting checks for work I did a long time ago.

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Unknown

What the heck is this thing? Sandwich lease option before you keep going. People don't understand that. What's their. So a sandwich lease options or lease option agreement is when you're leasing a property and you have the option to purchase it in the future. So what I did was I did a lease option with the seller, and then I found a tenant, buyer or tenant, whatever you want to call them.

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Unknown

That was also going to have a lease option with me, and I made the spread in between. So specifically this seller, he wanted me to put $500 down for my, my option fee. I believe I was paying him, I think $400 a month like this is way back. So these prices are low. Yeah, but it was $400, a month.

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Unknown

And then I was going to buy the house from him for $35,000. Now, I still own this house, and I did a lease option with someone that wanted to, come into this deal, and he put $5,000 down. He paid $700 a month, and then he had the option to buy it for $60,000. Oh, nice. So, yeah. And at the time, 35 was kind of high, like, just to be honest, because this I mean, you're familiar with Richmond.

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Unknown

It was like not in the best neighborhood. Okay. Yeah. But but like the power like I'm glad I did that because it opened my eyes. I wish I would have known more about, you know, like borrowing money from other people at that time to structure deals. But, that house, as as I told you, we got it for 35,000.

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Unknown

The house is worth $240,000. Now, why would you care? We're selling real estate. Why are we selling? Right? Yeah. Wow. That's incredible. And it sounds like it kind of fell into your lap a little bit. Like what? Like you don't want just the full amount. You'll take the payments. That was great. I think something else too. That was key was you went to a meetup, you had a group of people.

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Unknown

They were able to take that deal to, to be able to present to them. And they helped you. So has that been big on your journey? The groups? The meetup? Yes. Yes, I, I'd say like when I was first starting out, I didn't really I mean, and I looked for a mentor to help me, but I wasn't really getting the guidance that I was hoping to get from the person.

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Unknown

But what really helped me learn how to this business and doing things was listening to podcasts and also going to meetups, because when I first started, it took me a while to get a deal. Like I just, I would just keep listening to podcasts to try to understand, like what I needed to do, because I started with like direct mailing.

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Unknown

And when I would direct mail, people like, they would call, I would be afraid to answer the phone. Yeah. So I would call them back like I was going through all the motions. And then like, I would get maybe 1 or 2 calls from my 50 people that I mailed. And, I was like, man, that doesn't work.

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Unknown

But as I listen to podcasts, I realize I wasn't mail enough people. I wasn't mailing them often enough. Like, I learned what I was doing wrong. And then I kind of got to a point where I was like, well, it's no way all these people on these podcasts are lying. Like, these people are. Everybody's on this podcast and they're making money.

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Unknown

They're doing deals and doing that. It's no way they're all lying. I'm just going to stick with this until it starts working for me. And then, I did, and it worked like it just, consistency was key. Yeah. No. That's awesome. And then you took the action and then you you saw it work out, you know, in your own life.

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Unknown

One, two. I like how you said that to the podcast gave you the eye opener that it wasn't, you know, what you were doing. It was just skewed that you didn't know that you had to do more, that you had to go out there and it was a numbers game, and you know how many times you're getting them.

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Unknown

That's really good, because that's where a lot of those, you know, a lot of those people that have gone before have tested a lot of that stuff. So it sounds like you took their test and made it your own, which is good. So then how did you come to the conclusion or when on your journey that wholesaling, though, can be good for cash?

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Unknown

The real money is in and the wealth is in the the buy and hold. Like when did that click? I'd say that that clicked shortly after me get in the house with the guy that would take the payment, but I still didn't understand. How could I buy a property if the seller wasn't willing to take payments? Like I didn't know that yet.

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Unknown

So, you know, I ended up going to, like going to different conferences. And now I'm hearing about people investing their retirement money into deals that I have already. So, it just got me thinking. I'm like, oh, let me find out more about this. Because really, to be honest with you, the secret sauce and being able to get money for your deals is you have to know how to get deals.

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Unknown

You have to know how to put somebody's money in a safe position so that they feel comfortable lending you on their deal. And then also, you have to build great relationships with people and explain to them how this process works so that they feel safe, comfortable. You want to give them a good return and things of that nature while you're building what you're building, you want to make it a win win for everybody.

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Unknown

Yeah, now that makes sense. So then it's now like going to those other places. Open your eyes to that. And then did you start getting more deals then that you were able to take down to buy and hold? Well, you know it. When I figured it out, I was taking them down. David. Yeah, we were like, why are you sending out any wholesale deals?

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Unknown

Because I'm keeping them. That's that's crazy. So how long have you been doing that then on your real estate journey? Like, when did that was that a year ago? Two years? Multiple years? No, it's been a while. So I've been doing real estate, in total for ten years now. Oh, it took me two. It took me two years for me to get a deal.

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Unknown

But when I got a deal, I got five of them at one time. Oh, wow. So it was, It was amazing. Yeah, yeah, when it rained apart. Yeah, right. It was just like, man, it's a drought. Oh. Not anymore. But I'd say maybe, I don't know the exact date of when exactly after, but I'd say maybe, like a year or I'd say like a year after that.

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Unknown

Oh, I started really take, like, keeping them myself. Yeah. Because it just made more sense. And like, I've always been, like, a long term thinker, like, I'm okay with, sacrificing now for a greater future. So me holding made complete sense to me. And now that I'm con, I wouldn't say I'm on the other side just yet, but,

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Unknown

Now that I've been holding things for quite some time, I'm really seeing that power of holding that equity that you're building, that appreciation that you're getting. You know, people are paying your mortgages down for you while your cash loan. To me, it just makes complete sense. Why wouldn't you do that? Yeah. Yeah. I think if there's a lack of education and you like to teach people about, like, their freedom number, or like, how do they get out of their rat race?

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Unknown

So, like, how did you discover that? Or did you already know that inherently or like, did you know that you're that's since you're a long term thinker, like how many houses you need or like, how'd you come up with that framework? Yeah. So I in terms of freedom number, I'd say that I've used it somewhat. I've been more so thinking of like cash flow.

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Unknown

How much money do I need? I rather look at it from that standpoint. I try to see if that, like, I can maximize the amount of cash flow I'm getting from a property by renting to a different type of renter and things of that nature. But, yeah, I know, it just really helps with planning, doing a freedom number.

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Unknown

So, for people that are wondering like, what is this freedom number you guys are talking about? And basically you it's a frame of reference so that you can know how many properties that you would need to, to retire. Or, I mean, maybe you don't want to retire. Maybe you like your job. Maybe you just want to have a little bit more freedom to do the things that you do.

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Unknown

So, I want to take us through this exercise. If it's okay with you to kind of just help people to say, okay, well, what is this? Well, I want to, so take me through it, just like you would take anyone through this. This is good. Okay. Well, cool. So it's two ways that you can decide that you you know, how much money you need per month.

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Unknown

Yeah, to live comfortably. So one way is you can use your, your W-2 income, and, you have to add some taxes and insurance, the things that your employer might be paying for you. And as long as you're not living above your means, you can use that as a frame of reference of how much cash flow you need.

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Unknown

A big caveat there as long as you're not living above your millions. Yeah, right. You have to say that first because, you know, then you that's how much cash flow you would need. But a more detailed approach is you can write out everything that you're spending money on each month. This month, this one might be a little more accurate.

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Unknown

Yeah. It sounds like. Yeah. So, you know, you can put out your mortgage or your rent if you're renting. I wrote a list to make sure I didn't forget things. Yeah. You know, utilities, credit cards, any loan payments, like car loans. Don't forget your groceries. Gas. Don't forget fund money. You're not going to want to quit and just sit around the house and do nothing.

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Unknown

You want to have some fun? We got don't forget those in insurance and taxes. You know, we we live in the great USA. We have to pay those savings. Yes. You know, investments, savings, education, day care or school for your children, things like that. I, I said education because I think you talk about the different buckets that like, you can have different accounts that pay for different things.

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Unknown

And when I read your book, David, I was just like men's eye opening here. But I know that, you know, you guys have different accounts for what you pay for. So like when I say education, I'm specifically saying like, this is the amount of money that you've budget to buy, like to go to conferences to pay for books that you want to read to continue your self-education.

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Unknown

Because as we evolve, we need to evolve, with our education and learning more things. So right out all of those things and see what they are, let's just say for easy sake that, your what you need is $10,000 a month, $10,000 a month, and you're free. Okay. So let's just use, average regular cash flow.

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Unknown

And, I mean, I like to get a little cream of the crop for the cash flows, but let's just say I average cash flow. A lot of people will say that after you pay your expenses on a property, that you should be making at least like 300 bucks a month from there. Right. Okay. So if that was the case, if you took that $10,000 and you divide it by 300, that means you need it says like 33.333 price like for properties, right.

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Unknown

Yeah, $34. Or you can decide that you want to rent it to a different type of attorney. You don't necessarily have to rent a long term to a long term tenant. So I know I do some mid term rentals. I don't do all mid term rentals. I like to diversify some, but I do some mid term rentals.

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Unknown

And the mid term rentals usually make double what a regular tenant would pay. All right. I have to pause the episode real quick. If you're a real estate investor who's tired of wondering where your money is going or why you're closing deals, but still feeling broke, you need to talk to a simple CFO. Simple CFO is profit first certified and fully endorsed by Mike McHale.

00;19;07;13 - 00;19;35;20

Unknown

It's the creator of Profit First himself. Our team specializes in helping real estate investors finally get control of their cash flow. So you keep your money, you pay yourself consistently and build a business that doesn't run on chaos. We'll help you implement the profit first system the right way. So the financial processes you've been missing and give you a dedicated fractional CFO who actually understands investing and keeping track of your numbers on flips, wholesales, rentals, private lending, all of it.

00;19;35;22 - 00;19;58;07

Unknown

So if you want predictable profit, instead of waving deal to deal, head over to simple cfo.com and book your financial clarity call today. That's simple cfo.com. Stop living in confusion and start keeping the money you work so hard to earn. Now back to the episode. Once a midterm rental, if someone doesn't know what a midterm rental is, that's a great question.

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Unknown

So a midterm rental is like a short term rental, but my savings are at least 30 days. What I do is I target people that are coming into town for work. So I know a lot of people have talked about, you know, traveling nurses or I have a guy right now that he's in town because he's doing a construction project, or I just have a lot of people that come into town for work, and they need to stay for like a month or more, but not a year.

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Unknown

Like they don't need to be a long term tenant and they want it to be furnished. They don't want to pay bills. So it's like a short term rental except for they stay longer. Oh, you still get some pretty high cash flow. Whereas whereas long term rental for you, would that be over a year then that they're staying or a year.

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Unknown

Yeah, that would be a year or more. So for a long term rental for me it would be I would just be providing the house really. They pay their own utilities, they furnish it. It's just like a regular rental property. Yeah. So I have a property, I'm going to use it it for the example so I can be real for people.

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Unknown

I have a property that if I were to just regularly long term rent it, it would be $1,800 a month for the rent. Oh like gross. Let's say what, that their gross rent. Okay. Right. And let's just say that, you know, that's making, the 300 minimum for that for easy. Right. So you, you're actually bringing in in your pocket after you pay your mortgage, taxes, insurance, 300 bucks a month.

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Unknown

All right. So but when I mid term rent this place, it makes $3,600 a month. Now you have more expenses and you have to account for that. You know, you have to pay utilities, you have to pay the cleaning fees and like hopefully you'll charge it clean and free so they can pay it, but, you have some extra expenses.

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Unknown

So let's just say for this example, the extra expenses are $500. Yeah. So that additional 1800 -500 is 1300 plus the 300 that you, if it were a regular, long term rental, that's how much you would have been making. So you'd make $1,600 a month if you were to mid term rent per property, for instance, in that case, which are $10,000 that you would need each month, all you would need is seven properties.

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Unknown

Yeah, that's a lot less than 33 or 34. That is a lot less. But you have to assess the risk with that because you know, remember when Covid start when Covid happened the world stopped. Yeah. The people that really felt it were those short term rental people. And then would you start in midtown okay. Yeah. Yeah, yeah. Short term in Midtown.

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Unknown

Oh I'm sorry if my internet's messing up. Oh, no. No it's not. No, it's me interrupting you. So you're good because because because people weren't traveling. I mean, unless you were, like, a nurse or you were in the Covid ward, it's like, all right. No, I'm staying home. Yeah. So, you you're. I'd say yes, you can make more return, but there's more risk.

00;23;12;02 - 00;23;33;10

Unknown

So, like, for me, I like to have, like, a balance of the longer term rentals and the mid term rentals. But when you do it this way, it seems a lot more attainable of what you need to do. And you have a guy. So like you would say, you'd say, I need seven properties, which that that seems, kind of low.

00;23;33;10 - 00;23;53;01

Unknown

And I feel like because they're all mid term, maybe I would say maybe 10 or 15, you know, just to be a little bit more safer. But when you look at it this way, yeah, you need seven properties or you only need ten properties. It seems a lot more attainable than me saying, well, I gotta get 100 doors before I could quit, right?

00;23;53;01 - 00;24;15;11

Unknown

You know? Yeah. And this is just so you can continue to live the life that you're already living. And now that you have all this found freedom, what would you spend your time on? Yeah, maybe you want to go buy more. Maybe you just love this and you want to keep buying more, but you don't have to. If you don't want to, you can spend more time with your family and spend more time doing your hobbies or things that you love.

00;24;15;13 - 00;24;35;20

Unknown

But, yeah, it just helps really put into perspective that it really doesn't take much for you to be free if you start working towards it. Yeah, and I like how you gave people the option, like where you got into it. Who will the seller take payments? Can we do will we soft. Can we do like this creative stuff.

00;24;35;27 - 00;25;02;16

Unknown

And then you got into using other people's money, you know, like to fund your deals. So it's like then it gets got it. It sounds like you were able to ramp up faster, you know, like once that was unlocked too, which was very cool. Right? Because I think a lot of people I think most new investors biggest mistake is that we start with wholesaling because we don't have any money or we we're using our own money to fund the deals.

00;25;02;16 - 00;25;20;04

Unknown

And both of those things limit you. When you start using other people's money to fund deals, your possibilities are limitless. Like it's a lot of people out here. It's it's pretty much how much can you handle? You know, like if you're getting them really bad, you might want not want to do a lot of them at one time.

00;25;20;04 - 00;25;48;08

Unknown

You might get overwhelmed. But, yeah, it's you. Your possibilities are limitless. Let me ask you this then. I know you said if you would go back, you would just focus on, you know, buying and holding. But do you, do you say that I would go back and just do that and only focus on that, or would you focus or would you have an active stream along with your passive stream, or do you like the the one route?

00;25;48;11 - 00;26;11;23

Unknown

I think having an active stream is nice, but I don't think I would have made my active stream selling houses. Okay. I think my act or selling paper, I would have been, I would have found something else to be active for, to have some active money. Yeah. And I would have kept every single one. Okay.

00;26;11;25 - 00;26;31;19

Unknown

Because you're buying, like, at the wholesale price, and then you're being able to buy and hold it. Yeah, I that's really good advice. I also like to when you took us through that, you know, the process there's a lot of variables. It depends on how much you really need on a monthly basis. Because if you need a less than ten K that's less doors.

00;26;31;19 - 00;26;52;19

Unknown

But if you need more than ten K, like maybe that's where the mid term short term, like do you want some of those more active type properties. But they're able to net you, you know more as well. So you don't have to have as many. Or do you go the long term route. There's like I like how you set that up because you gave people the option short term, mid term, long term, and you're going to have different cash flows.

00;26;52;19 - 00;27;08;04

Unknown

And like you even said, the risk factor as well too, because mid term short term, if a Covid type event happens again that gets shut down more than long term or, you know, I don't know if there's a vice versa to that's where long term would get shut down. But mid term and short term are sticky you know.

00;27;08;04 - 00;27;26;06

Unknown

So it's like you just have to evaluate a lot of things. And then you took us through that freedom number formula. Making it just real simple. It sounds like it just takes a little bit of work there. Sounds like you just sit down and write out, you know, like what you really want. And then if you want to get nitty gritty, what you really have spent money on, you know, like you have to.

00;27;26;07 - 00;27;46;13

Unknown

Okay, what do you so do you track that any certain way? Do you use spreadsheets or like, you know, there's a billion of those. I feel like personal finance, right. Bank software type, you know, budgeting tools or whatever. Like so do you use something for that, when you help people? Well, I, I am just using spreadsheets right now.

00;27;46;13 - 00;28;13;02

Unknown

Yeah. I know that there are some nice softwares out there. I will say, when it comes to technology, I'm okay. What do you have to. But. Yeah, and I, I mean, I leave, I guess a lot of the softwares to the people that their expertise is. Yeah. My expertise is buying and holding, you know, doing the spreadsheet.

00;28;13;02 - 00;28;33;27

Unknown

Yeah, I do what I gotta do so I can have an idea where I need to be. But when it comes down to, you know, keeping the books and all that stuff, I leave that to the professionals. Yeah, I understand that, for sure. Cool. Well, this has been really awesome. So I guess before we go into, like, how people get Ahold of you or, like, what's the next step with you?

00;28;33;27 - 00;29;00;03

Unknown

Is there any other advice or maybe your hardest lesson that you've learned in real estate up to this point? I could give some advice. Which I've noticed, when I see people. So a lot of people are, stuck in, like, the analysis paralysis, stage, because they want to know every single thing, every single scenario of how to do something.

00;29;00;05 - 00;29;23;05

Unknown

And a lot of the times those scenarios don't even play out. I would encourage people to learn the first step and take action on that, first that, and then learn the second step and take action on the second step. And the reason I'm saying to do it in this manner, because you're going to learn so much more on the journey than you could have learned in a book anyway.

00;29;23;07 - 00;29;42;28

Unknown

Yeah, and I don't know about people that are listening, but I know me personally. I like to get paid while I'm learning. So if I'm taking action, I'm getting paid while I'm learning. So, I would just encourage people to do that and then also just hang out, try to get around the people that are already where you want to be.

00;29;43;01 - 00;30;05;06

Unknown

And I know that that's intimidating because you're like, well, what? You know, what can I offer these people? Try to add some value. And the best way starting out that you can add value to people is do some work for them, for free. Help them out. These people are busy and you're going to learn so much that can help your business.

00;30;05;06 - 00;30;27;22

Unknown

So I'd say in terms of where you can find those people, try to find those local meetups, because a lot of people are way more experienced, and you'll start finding out way more events and places that you can go just by being around them. Awesome. So what I heard was learn to earn and earn while you're learning. You know, I like how you I like how you added that into it.

00;30;27;25 - 00;30;45;10

Unknown

And then also that network you got to build that network. Your network is your net worth. A lot of our good friends, you know, Jim Ingersoll and a lot of the good people there in the Richmond area say that, you know, and I just think that's really good, great advice. And if this has been an awesome episode, I love this one.

00;30;45;13 - 00;31;03;20

Unknown

Focusing on those numbers, you get it, and making sure you're really working towards a business that serves you. I like how you broke down the different rentals and all that. Just. And you know, and like you said, your secret sauce, like get the deals in the door and then you'll figure out what to do with them and like how they fit into your overall plan.

00;31;03;20 - 00;31;27;08

Unknown

This is good stuff. So, Martine, how do people take the next step with you, whether that's a website or like a, program? What do what do you have? Okay, cool. So you guys can connect with me on my group and Facebook. It's called the Freedom Inc. And basically we talk all things buy and hold investing. We, we it's three questions that you'll have to answer is very simple.

00;31;27;08 - 00;31;46;21

Unknown

Just your name email and are are you buying and holding or do you want to buy and hold. Because what make sure we keep our community specifically on that. Yeah. And then also for anybody that's serious and they're really interested in getting into this and they need some help, I want to help as many people as I possibly can.

00;31;46;21 - 00;32;15;10

Unknown

And, you know, like, I know big, you know, big coaching company where I have a sales floor that's gotta go look at this. I'm reviewing all of these things myself. So you can text me. You can text me at (804) 495-1333 and, I'll help you as best as I can. Awesome. Well, Martine, this is great stuff. And if you're out there listening to this, like you need to take action on what you're saying.

00;32;15;12 - 00;32;32;12

Unknown

And if you're like, I'm just like Martine, and I do not like the back end stuff, all the numbers. And like, she was telling me to go and, like, gather the expenses. If you need help with all that, reach out to us at simplecfo.com. We'll make sure we lead the people to do that for you and help you connect with people like Martine.

00;32;32;16 - 00;32;49;00

Unknown

So that way if you need some extra help or coaching as well. But we're a financial leader that comes in to help you gather all that stuff up that you don't like to do. So that's simple.cfo.com. Martine, again, thank you for being a great guest. And providing a ton of value with actionable steps today. Well, thank you for having me on.

00;32;49;00 - 00;33;02;11

Unknown

I really appreciate it. That's it for today's show. Be sure to subscribe, review and share this episode. If you're serious about financial systems and keeping more of your profit. Visit simplecfo.com to take your free discovery call today.