What if you could retire by 30 - armed with a real estate portfolio and the satisfaction of running a family business? Ushpreet, a 25-year-old remote worker, is on her way to achieving that dream.
Takeaways:
Her journey began when she, her mom, and sister decided to pool their resources and convert a single-family home into a duplex, adding two extra sources of income to her full-time job. Listen in as she takes us through the challenges and benefits of managing a family business, and the positive impact it's had on their relationships.
Support the show:
☕️buymeacoffee.com/whatsyourfree
About the show:
Sam Laliberte - entrepreneur, digital nomad and freedom seeker, hosts the Freedom Lifestyle Podcast to expose people to the many ways you can design your dream life and unlock your own version of the freedom lifestyle. Her guests have empowered themselves through flexible work as a way to “have it all” - financial, location AND schedule freedom.
What if you could retire by 30 - armed with a real estate portfolio and the satisfaction of running a family business? Ushpreet, a 25-year-old remote worker, is on her way to achieving that dream.
Takeaways:
Her journey began when she, her mom, and sister decided to pool their resources and convert a single-family home into a duplex, adding two extra sources of income to her full-time job. Listen in as she takes us through the challenges and benefits of managing a family business, and the positive impact it's had on their relationships.
Support the show:
☕️buymeacoffee.com/whatsyourfree
About the show:
Sam Laliberte - entrepreneur, digital nomad and freedom seeker, hosts the Freedom Lifestyle Podcast to expose people to the many ways you can design your dream life and unlock your own version of the freedom lifestyle. Her guests have empowered themselves through flexible work as a way to “have it all” - financial, location AND schedule freedom.
Maybe your job is great and I really hope it is, but ask yourself how long do you want to be doing this, and is that actually the long-term goal? And then, depending on what your long-term goal is, is this 9 to 5 really simply going to get you there? For me. I knew that it wasn't, and so that's why I think doing the 2 works out.
Speaker 2:You're listening to the Freedom Lifestyle Podcast series. I'm sharing relatable stories of freedom seekers who ditched conventional office life and courageously asked for more. My business was still generating income while I was on the beach.
Speaker 1:I really can't work for anyone but me.
Speaker 2:As for me, I'm your host, sam, and I've spent the last 4 years creating a business that allows me to work from anywhere. The Freedom Lifestyle looks different for everyone. What's your free? You're listening to another episode of the Freedom Lifestyle Podcast. Thank you so much for being here, and a special shout out to my official Freedom Seeker members. I recently launched a low-cost membership program for those who are ready to commit more formally to their freedom journey. Now members not only get to influence this show by nominating guests, including themselves. They also request topics they'd like to see covered and even joined live podcast tapings and ask me anything. Sessions with me. On top of that, every month we do accountability sessions where we publicly commit to and follow up on what we are going to make happen each month to move us closer to the freedom we desire. Members also get discounts on things like my courses, private coaching sessions with me and so much more. To become a Freedom Seeker today, visit buymeacoffeecom. Slash what's your free.
Speaker 2:Today, you're going to meet Ashpreet, who is a 25 year old remote worker but also a real estate investor with multiple properties in her portfolio. Ashpreet has been investing in the real estate market since 2020 and has been doing this with her mom and her sister. Of course, we got into what it has been like to have a family business and work with your mom and your sister so closely and the impact it's had on the relationship. But I would also say this episode is a deep dive into real estate investing 101. There's definitely a lens of the Canadian real estate market here, given that she is in Mississauga, ontario. I live in British Columbia when I'm not traveling around the world. Take that with a grand assault, but I think these general concepts of how to think about real estate as a passive income stream for you and the impact it can have on you is really, really exciting. She shared with me that her goal is to retire by 30. She doesn't think she'll be not working at all when she's 30, but definitely leaving a nine to five job and just more managing this portfolio of properties and working in the community, doing things that she's excited about and traveling. So that was really inspiring to hear and super smart, super articulate person. You're going to love her.
Speaker 2:Here's Ashpreet Ashpreet, welcome to the Freedom Lifestyle podcast. How are you doing today? I'm doing awesome. Thank you for having me. Where in the world are you taking this call? From what time is it there and what would you normally be doing if you weren't on a podcast with me?
Speaker 1:So I'm calling from Mississauga, ontario, part of the GTA, which is, if we're talking about, outside of Ontario, canada. I do work a full-time job, so if I wasn't on this podcast at this very moment, I'd likely be walking my dog. His name is Prince.
Speaker 2:Okay, what time is it over there? It is 540 pm, so you're after hours. You would have just finished the 9 to 5, and so that's a really good place for us to start with the fact that you aren't doing your business full-time. In fact, you are proudly operating with multiple revenue streams.
Speaker 1:Yeah, so I'm working full-time remote, which honestly gives a lot of flexibility in terms of not spending travel time, for example, and my very first source of additional income was actually investing into real estate, which is probably going to be the bulk of what I'll be talking about today. So I started off in 2020. That's when I understood the power of real estate and how it can not only bring freedom to your life in the present, but also in the future and for future generations.
Speaker 2:So can you kind of unpack what it means to invest in real estate, because I think people could have some connotations with that and I just want to be clear what we're speaking about. Does this mean you were buying like a house, an apartment and renting it out? Or like, how did it work for the first one?
Speaker 1:Definitely so.
Speaker 1:My very first one.
Speaker 1:I actually pooled money with my mom, myself and my sister, so we basically looked at what we had available at that time to invest in and we bought a single family home this was for anyone who's familiar with the Ontario market in Cambridge, ontario, it was two and a half hours outside of where I was living at that time and we took a single family home that needed a lot of total love and care and basically did some renovations and we were able to turn it into a duplex, which just meant two units, so I was able to rent it out to a family living upstairs and then a single bachelor who was living in the basement.
Speaker 1:So essentially took a little bit of down payment. I was able to qualify for a mortgage, found a really good deal, put some money into it and turned one door into two doors, and that was a way for me to at the time in 2020, start off with not only one source of income, which was my full-time job, but then quickly turn it into the first of every month getting two other sources, which was a lot of fun.
Speaker 2:For me, no kidding, 2020 seems like an interesting time to invest in your first piece of real estate. Who in the family? You, your mom, whose idea was it? Talk to us a little bit about why, then, that's?
Speaker 1:actually my favorite part of the story is who inspired me. So this was fully my mom. My mom is a realtor by trade, by practice, and you know she's always the type of person to be looking at deals. And even though she's a realtor she's, I think she actually got into this space because of her interest in the investment side of it. So I'll never forget this was, I think, the couple days into basically COVID kind of going off across the world and a lot of changes were happening in my life.
Speaker 1:And I remember she put forward this deal and she said you know, eshbreed, this is a really good opportunity and I think we should jump on it. And I thought to myself Cambridge, like what's in Cambridge, ontario, why would we ever want to do there? And at that time I also told her I was like I don't want to be a landlord. I like my job and I'm having fun. I don't want to get into this, like you can count me out. But it was actually very hesitant and she kept encouraging me and kept saying, like you know, how about? We just try to start the process and we see if it works out. And I was like, okay, you know what, let's go ahead with this. So at that time I also didn't actually know what a mortgage was. I didn't understand the process, I didn't understand what having a good credit could actually do for you. And kind of funny to say that, because I also studied business I did my undergrad in business and I think back to all the stuff that I learned then and I question like, why wasn't this taught not only in my undergrad but in any undergrad? You know the idea of managing your money, growing your wealth, taxes, like all this stuff. So before I go down that rampage, going back to that time, it was really my mom who pushed me and showed me how you actually don't need a ton of money to get into this space.
Speaker 1:I think at the time we started with around eighty thousand dollars and you know we pulled this together. We also bought an off market property and for those who don't know what an off market property is, it's essentially finding an investment property that's not listed on your traditional websites or through realtor. So buying something that's considered wholesale or off market just allows you to get A little bit of a cheaper or like better price, and so that's also where we won. We won on the buy, so we were able to get a really good deal when on the buy and that was our first time to also follow the strategy and for anyone who's not familiar, first stands for buy, renovate, rent, refinance and repeat and it was through that strategy again, I also learn this fully for my mom I was able to buy something, renovate it, rented out, refinance and actually pull my equity out in about a year's time and what that meant was Money that I was actually making at my job was awesome, you know, active.
Speaker 1:I had a good social life with it, gave me a lot of structure, stability. But there was also this side income that was happening that allowed me to passively figure out something that can work long term and I was able to pull my money out and actually make Way more money that I was working in my full time job and I can get into like all the benefits of all that. But that's kind of like the gist of it now. There were a lot of hiccups along the way, for sure, in terms of Tenant finding, dealing with the contractor, finding that right contractor it was actually, at that time, covid. There were so many risks in terms of things being shut down, materials not being able to be sourced Inspections, like so many things that we were running into.
Speaker 1:But it was actually an awesome time to invest because I found that, you know, you had people very scattered in the real estate space. You had People were acting off of fear and I actually learned at that time in my life that my mom was operating based on wow, there's a huge opportunity, so why not jump on it. And it was a mix of the two, I think, like the risk and non risky person kind of coming together and assessing it and really acting on it.
Speaker 2:So, yeah, that was a little bit about what happened back in 2020 amazing, and I mean three years in, it sounds like you've really got the lingo mastered. This is where we won, I think. Berg, what was the acronym there? Be R R R okay amazing yes you.
Speaker 2:Some might be listening to this and thinking well, you know she has a competitive advantage. Her mom is in the industry. Like she has a leg up. That could never happen to me. What would you say to someone like that? Like if they wanted to find an off market property? Are there places that they can go on their own? How much did your mom's Industry knowledge and connections mostly impact your initial success?
Speaker 1:Yeah, that's a great question. It's something that I actually try to talk about with my friends all the time. It's crazy. So that was my very first deal that I did. Since then, I have continued that first strategy. I've expanded my portfolio and all of those other properties have just been based on speaking to people in my network, reaching out to people online, people that I've never actually met before, even through Facebook I've actually found some really interesting deals.
Speaker 1:It's actually crazy how many people are out there in this space either doing it actively or passively, and as long as you kind of just share your interests and knowledge, I've been able to receive a really good response. But, yeah, you can get very creative and especially, you know, in the past four or five years, I have seen a lot of really good content around real estate education, specifically like investing. So when it comes to trying to learn about these terms, learning about the dos and don'ts, I think a lot of investors out there have learned a lot. They are very open to sharing and, yeah, this is something that I love talking about. And if people ask me, what do you recommend? How do you approach this? It's something that I'm an open book on and I've also felt that with other people online that I haven't even met yet before.
Speaker 2:What are your favorite ways to learn? Because I think you made a good point about how the education system. There's gaps in terms of things that like. Why am I only finding out about this now, at this age into my career, just financing one on one or investing or opportunities with real estate, knowing that you had a learning gap, how did you solve for that and are there resources you still swear by now?
Speaker 1:Definitely my go to resource is actually a lot of podcasts, so there's a lot of industry experts. That again on the knowledge sharing concept. There is a ton out there. I'll definitely try to link a few. There's a Joe Fairlis podcast, so a Larby podcast. There's also a lot of conferences.
Speaker 1:So after I started investing in the single family home space, I became more interested in the multifamily asset class.
Speaker 1:So what that means is, like you know, your apartment buildings, buildings that are considered like four units plus, and the reason why I became more interested in that is because, from a scalability perspective and from a qualification perspective as well, like as as the investor, as the borrower it became an avenue that just made more sense long term wise.
Speaker 1:So in order to learn more about the multifamily space, I actually went to a multifamily conference that was hosted in Toronto and that was a way for me to learn from industry experts, meet other people, understand what they're doing, what's working, what's not working, and that was an awesome experience for me to kind of get my foot in the door without investing in that space first, and I was able to buy an eight unit building about six months later after that conference, and I think it was after that conference that actually gave me the confidence to do so. Not just the confidence, but the knowledge, which is the most important part. So, yeah, I think the podcast, those conferences speaking to a lot of people, but at the end of the day, beyond all of these resources, you really just have to kind of get your hands dirty, and I think that's the most important part is having the confidence, having the courage to jump in and get started.
Speaker 2:At the end of the day, so in 2020, you said you invested in your very first property, which was a single home. Is that right? Single family home, single family home? So we're at almost the end of 2023, three years into this. How many properties do you have in your portfolio and do you still have that very first one? Like is the idea to just keep them and growing the portfolio, or do you try to flip them after a period of time and lose ownership? How does that work in terms of your strategy and where you, at three years in there are multiple strategies, so there's definitely not one that I think works for everyone.
Speaker 1:I think you really have to ask yourself what your short-term goals are, what your long-term goals are, and I think a big part or big question is the tax implications as well. My preferred, which I have learned through, I'm going to say, my mom, which is my mentor, is the buy and hold, which just means not selling in the short term and really writing for that appreciation in the real estate market. So, to answer your question, yes, my very first property I bought in 2020, I actually still do have that Till date. That's my you could say my like my favorite one, favorite one in the sense of there were so many lessons, so many learnings, and it's my most profitable one as well, I think, just considering the time that I bought it at. To date, in terms of my portfolio, it is a mix of single family homes and a multi-family apartment building. So, moving forward.
Speaker 1:I definitely think, as I mentioned, this more scalable route for long-term growth for myself is expanding into multi-family. So that means working with investors, pooling money and buying larger buildings, and the reason actually for wanting to do that, if you think of the maintenance, for example. This is just one reasoning. If you think of the maintenance that goes into doing repairs, renovations etc. That is still going to be the case, regardless of if it's a home or if it's a building. So I like to think of the cost benefit.
Speaker 1:Looking at a home versus a building as being, you can kind of spread out the expenses per door. So, for example, if I have to repair a roof, right, I'm going to have to repair a roof for a house anyways and I'm also going to have to repair a roof for a building. But the expense can actually be divided, you could say, in a building versus splitting it just for maybe one or two units in a house. So that's just one example. There's also like the qualification side of thing of a house where, for a single family home, as a borrower, you're pretty much looking at how much I can qualify, what is my personal income, versus if you were to look at a multi-family. So, like a building, you no longer look at what the income is for the borrower, so for myself, but also how much income the actual asset, like the building itself, is also qualifying for. So it becomes much more easier from a qualification standpoint, which is as you try to grow your portfolio is very, very important.
Speaker 2:You touched on a couple of things that I really can relate to. The first one is about just spreading out the cost, which is something that I wish my partner and I had thought about when we bought our first place. We bought, I guess, a multi-family home. We're in a townhouse and there's eight units, so we loved that. We're like it's small, it's intimate. When you see these townhouses in BC where we live, it's usually like hundreds of units. Everything looks the same. We really loved this eight-unit feel. Here we have strata fees, which is like condo fees, but to that point, any time our maintenance fees increases or we have to increase the fee for snow removal or any of these things, it only gets split by eight homes Instead of. If I had been in a bigger strata, it would have been split a lot less noticeably, and so every year when it goes up, it really does hit home. So that really resonated from the buyer's perspective.
Speaker 2:Yes, the other thing that resonated that I wanted to share was about the qualifications for a mortgage. So I know we are talking about the Canadian housing market and this definitely will have a bit of a lens around how things work in Canada, and so if at any point. You have knowledge about how things might differ in different places, feel free to share that. If not, we'll just end up making this a bit more focused on how the Canadian market is. But at least here in Canada it's really hard to get a mortgage as an entrepreneur If you don't have a T4, if you don't have that slip. We remember hearing a stat when we were looking at mortgages that we'd rather see like a T4 with $40,000. But every single month you get paid and you have the T4 from your employer, versus a business that was making $400,000 a year, and that they would actually prioritize the worker, which we thought was so mind blowing. So I wanted to know how much does that play into your decision to stay at your job and what can you say to comment on that?
Speaker 1:Totally. Also, the way you explained how you were mind blown learning that. That's exactly the process that I went through. I think it's very important to A understand your finances. B before wanting to even go into buying your first, second, third, whatever property it is, knowing how much you can qualify for, because I think that's a reality. When you're going to a lender, whether it's an A lender, which is typically like a larger bank, a B lender, which is maybe, to simplify, like not a larger name, maybe like a credit union, for example, that could even be considered a B lender, or even a private lender the lender wants to know how secure is their money and like are the payments going to be, and the reality is is that, with their process, a job, a full time job, often gives that versus a small business owner who is profiting. That's just the reality, and I think that actually played a huge role in me wanting to continue working, and I think that there's nothing wrong with that.
Speaker 1:There are a lot of benefits to having a full time job as well. So I work in the startup space, I do everything related to operations, strategy, project management and in 2022, I got laid off, so I was caught in that very interesting bubble, you could say, of companies just making mass layoffs, and I remember during that time it was a lot. It was a lot to go through, but I couldn't stop thinking to myself like, wow, I am very fortunate that I have other things to lean on. And you know, it's that concept of security that having a job actually brings you. The reality of real estate is that you know you could have maybe one tenant, or maybe 10 that just stop paying. This is where the multiple sources of income really come into play, and the lender wants to see how much security do they actually have. So it's actually very valid, I think.
Speaker 1:And if you are planning on quitting your full time job, or maybe you are caught up in a layoff or something similar, it is wise, I think, to continue working, because my personal opinion is that a job also gives you really good security. Sorry, not security structure, that's what I meant to say. You know, having good structure in your day, you know, maybe that nine to five allows you to focus on something. Real estate often can be very chaotic and, depending on your personality, maybe having that structure and chaos combined can serve you can not serve you. I learned the hard way. So after I got laid off I was like you know what I could just do real estate investing full time. Then that's when I really learned that, okay, they don't like that. B, I do really value structure in my life. And C, maybe this balance of full time and, you know, being an investor is actually beneficial to me.
Speaker 1:It really depends on the person, what their financial situations are, what their working styles are. There's a lot of factors that go into it. But I always tell my friends so I'm 25 right now, my friends that have either graduated maybe three, four, five, seven years ago. I tell them, like you guys are in a great spot if an awesome credit score, that you can easily get a job letter. You know, leverage that because maybe your job is great and I really hope it is. But ask yourself, how long do you want to be, you know, doing this, and is that actually the long term goal? And then, depending on what your long term goal is, is this nine to five realistically going to get you there? For me.
Speaker 1:I knew that it wasn't, and so that's why I think doing the two worked out yeah.
Speaker 2:So what would you say is your long term goal? Because I thought it was interesting that you talked a little bit about how I think it was just the one property you were already making more money than your full time job, and so I can only imagine if we've scaled the number of properties since then, that amount of income relative to your remote job even though you may have, I guess, and you got a new one after you got laid off is still quite higher. So what is your long term goal and what does that additional revenue stream and that passive income stream do for you? Like, how has it changed your life?
Speaker 1:Definitely, before I directly answer that question, it reminded me of something that I'll touch on kind of indirectly. So when I did my first equity takeout of the very first property I bought and I think I mentioned this where I actually made more money on that equity takeout than my full time yearly salary was giving, and I was mind blown because the salary that I signed off on with my job wasn't the end amount that I was getting in my bank account After all the taxes income, you know, provincial, federal tax I was furious actually when I got my first paycheck because I was like what is this? This is not fair. I signed for something else and it's so silly and naive to say right now but it's harder in money and the equity takeout that I did. So the refinance, it was actually all mine, and when I say that I mean technically tax free. I didn't have to pay income tax, I didn't pay federal tax, and I think that's, from an education standpoint, a huge piece that's missing as to why real estate is a very good long term venture. And not to say that you can do refinances every year, but from just the concept of learning where your money is actually going and how it's managed. I think their real estate brings a lot of benefits.
Speaker 1:But, to answer your other question, my definition of, I think, freedom drastically changed in 2020, where I was not spending that much time commuting. There were a lot of personal changes in my life and my family life and it made me question okay, how do I want to spend my time and the realities that money can also like, how that can actually enhance your lifestyle. So, when you ask me what my long term goals are, part of it is really that concept of full freedom over my time, which I really do value, and it's not to say that, okay, I one of them being also retiring early, which, when I tell people that they think, oh, that means you just don't want to work. That's actually not true. I love working, but I would rather choose things that I know I fully value and that I have, whether it's like projects, for example, whether that's a development project, whether that's something that's abroad, where I could just pick up and go.
Speaker 1:I think that idea is very exciting and I can only really do that when I have full stability and ownership over the responsibilities in my life, and I think that being financially stable is very important because it could actually bring that into your life, and so, yeah, I see myself not working forever. I think there is a lot of joys and travel, spending time with people that are very close to you and working on projects that do good for your community, do good for the society, and I think that those are definitely like long term things that you know you can put time, love and care into, and that's where I see myself spending, you could say, my full time energy on and, hopefully, very, very soon, hopefully.
Speaker 2:Well, how soon? Because you've shared, you've been open, that you're 25 years old. You're saying you want to retire early. The average, I think, retirement age in Canada is 65, correct me if I'm wrong. How old do you want to be when you retire?
Speaker 1:I guess I should clarify as to what my definition of retirement means first. So again, not to say that I won't be working, but I may not be fully, like nine to five working. So that's my definition of retirement. You can say so far I think that's pretty realistic by 30. So another five years. I've definitely started and I think that if I do want to make that a reality, it was very important for me to start not just now but earlier, and I actually think it's very possible to do so. And I'm really trying to get my friends involved too, making their money essentially work for them, so that they can not just give back to themselves but give back to their parents. And, for example, myself I got into this because of my mom and, you know, before I retire myself, I'd love to retire her fully. So in the next couple years it's gonna happen.
Speaker 2:That's so beautiful. How has being in business with your mom impacted your relationship with your mom? I know she was part of your very first deal. Is she still part of all of them? Are you in the entire portfolio together? Talk a little bit about that.
Speaker 1:So I'm probably using all these terms and saying that I'm 25 and I know this and that would not have been anywhere without her. From every document to every deal that I think looks good, to every number that I'm reviewing, I do get like signed off by her, because I think that, you know, just the knowledge that she brings to the table is like no other and so, yeah, I think her relationship is definitely like matured. Also because of that, there was a lot to learn, also in terms of working styles. You know like I grew up in a business oriented family, for sure, but now me being the forefront, you know that relationship does change a lot.
Speaker 1:So there are times I get very stressful and I think that's a reality of working with your family often not taking things personally as well, but I've definitely learned a lot and there's still so much more to learn. But she reviews everything for me. I don't think I'd be comfortable signing on anything until I ask her, or my sister, and I joke all the time because we manage each other's portfolio and sometimes, like you know, we have a question with our lawyer and we laugh because we don't even feel qualified sometimes asking, even though the answer might be the exact same. We just need to hear it from my mom to verify and validate. So she definitely plays a huge role.
Speaker 2:That's awesome. I had another interview today, right before this, and it was also about a woman who had started a business with her mom and I just think that's amazing that you can make that work and you can find the balance between okay, now we're being a family and I can just imagine family dinners if there's extended family around you, three just being so excited talking about deals. I can imagine you probably have to be like, okay, we're gonna turn it off, this is not about this.
Speaker 1:Oh, my goodness we have officially become that group of family people that do not like we have to force ourselves some time to to not talk about a deal or I don't know, like a tenant even, or like talking to our contractor together our dinner table and like family room conversations are often real estate, but it's funny when you have someone else like see us, like whether you know someone who's not part of the family and they're just watching this talk. They say that we're fun when we talk about real estate and it's exciting to listen to. But I think it's really when you're passionate about something or when something really impacts your life in a positive way, you just can't help but show the passion in your eyes or in your voice, whatever it is. So, yeah, we have officially become that family that always talking about it.
Speaker 2:Amazing. Well, that passion and that desire to give back and really teach people, to have an impact on their lives the way you have definitely has come out in this interview, so thanks for being so generous with your knowledge. If someone's listening to this and they want to learn from you even further, do you put out any content about this? Are they able to reach out to you? If so, where should we point those listeners to?
Speaker 1:You know, if I could be completely honest, that's something that I could improve on. I'm still trying to manage and juggle my own life a little in terms of work, you know, just being social still and managing real estate. So I don't put out content, but I have a ton of resources that I'd love to pass on. So I have a lot of people that I connect with on Instagram. That's my personal account, but definitely happy to share that. It's my handle at Ashpreet with Fort Ease, or LinkedIn. I often connect with people there as well. So that, or even a phone call nothing formal or official, but I try to keep it casual and real.
Speaker 2:So I hope that works. That's awesome. Yeah, we'll definitely include a link to your Instagram and your LinkedIn profile here, and even just you coming on and spending an hour with me or so today to really share this knowledge and give back. I think that is awesome and a step forward if you are trying to do more of that. So, thank you again. It's been awesome having you on the show. Thanks so much, sam. Thanks for tuning into another episode If this one inspired you to take action, but you could use some help on your plan, or perhaps you've got too many ideas bouncing around in that beautiful brain of yours.
Speaker 2:You'd love some clarity on your strategy, what you should pursue first and why. Well, I am now offering one-on-one freedom coaching sessions. You can book these at buymeacoffeecom. Slash what's your free. This is our opportunity to have a virtual coffee together. Spend an hour getting clarity on how you can unlock more freedom and flexibility in your life. On these calls, you can ask me anything, but here are some things that I'm an expert in Building a location, independent lifestyle, building service-based and freelance businesses, leveraging the gig economy and platforms like Fiverr, utilizing podcasts to build your personal brand and developing passive income streams. So book your freedom coaching session with me at buymeacoffeecom. Slash what's your free. I would love to have a virtual coffee with you.