You don’t need to change the entire world to build a successful business; you just need to change someone’s world. - wired

The most important skill going forward is going to be the ability to LEARN and ADAPT quickly.  The most important investment will be in yourself.

Starting May 1st, home loans (non-jumbo) with lower credit scores and lower down payments will get cheaper and loans with higher credit scores and higher down payments will get more expensive.

Many individuals play the Finite game, while only a select few play the Infinite game. Finite = playing a specific game until victory then stopping. Infinite = keep playing indefinitely, even after victory, pushing one's limits and discovering how far one can go.

6 months from now - people are going to say “I wish we bought in February”.

By the age of 35, a few things I realized: •Life isn't fair •Money is a tool •Health is true wealth •Comparison is the enemy •Being an owner is powerful •Discipline leads to success •Financial freedom is the goal •Surroundings impact your success

Most choices we make are either going to fill up our ego or our bank account.

Your sales can rise… But it doesn’t mean anything if you health declines…

Pain makes me grow. Growing is what I want. Therefore, for me pain is pleasure. - Arnold Schwarzenegger

Knowledge not found in schools is the source of money not found in employment.

There is a bill in Congress for homebuyers that if passed, renters with student loans who want to buy their first home would get the following: 1. Below-market mortgage rates 2. Down payment assistance 3. Discounts on purchases of government-owned homes

Is this how it ends lol

Taking money out of the bank and buying treasures = safety Taking money out of the bank and buying hard assets, like real estate = security

Life is a bit like a game of Tetris - just when you think you've got it all figured out, a new challenge comes your way. But remember, with every obstacle comes an opportunity to level up - never give up. The game may change, but your potential for success remains the same.

Biden's 2024 budget includes $10 billion for a new First-Generation Down Payment Assistance program to help first-time homebuyers make a down payment on a home. Eligible homebuyers can receive up to $20,000 in assistance.

🏠Minimum Credit Scores & Down Payments For Different Loan Types💡 500-579: FHA - 10% down💰 580+: FHA - 3.5% down🌟 620+: Conv. (First-Time Buyer) - 3% down 🏠 600+: FHA - 0% down 🙌 580+: USDA - 0% down 🌿 580+: VA - 0% down 🇺🇸 620+: Conv. - 5% down💼

Getting a 5% down loan when buying a home doesn’t mean you are tight on cash. With the low mortgage insurance rates these days, sometimes it makes sense to put less than 10-15% down and keep your cash for other investments, etc.

Z

School teaches us to avoid mistakes. Life teaches us that mistakes are the real lessons.