This week, Dr. Forrest Bryant interviews Aaron Chapman from SecurityNational Mortgage, an expert at helping doctors and physicians and small business owners get financing and use leverage to add those single property and multi family properties into their portfolios.

Books Featured in this Podcast, 3 texts by Napoleon Hill:

Available from Amazon at the following links:

Think and Grow Rich 

Outwitting The Devil

Wisdom Of Success

FB: Welcome to the HighSpeed podcast this is your host Dr. Forrest Bryant and I’m excited to have Aaron Chapman on the call today. We are really focused on helping our listeners and our members develop freedom and legacy in their lives through mastering business, finance, family and lifestyle. And one of the things that is really super critical in helping our members is residential real estate. And one of things that’s really important to that overall plan is the ability to use leverage. So I’m really excited that we got Aaron Chapman on the line. He is an expert at helping doctors and physicians and small business owners get financing and use leverage to add those single family and multi family properties into their portfolios. So Aaron thanks for being here today. How are you doing buddy?

AC: I’m doing good. How about you Forrest?

FB: Man, I’m doing good. This is a little bit two southern boys here. I’m sitting down in Alabama and you are in Missouri sitting on the rocking chair on the front porch there.

AC: Well not quite front porch it’s in the inside but the chair does rock. If I was on the rocking chair you’d hear too much noise from the outdoors but yeah I’m sitting in my office cabin- it’s an 1800 style cabin and it’s amazing environment to work from especially this type of thing podcast, talking to people from such a great, serene environment,

FB: Yeah well that’s fantastic. I know you are enjoying life out there, that’s a good stress relief. I know we talked about how you might take a little walk a little later and check out the waterfalls. Definitely make sure you send me some pictures. That’s sounds fantastic.

AC: I’ll definitely do that.

FB: So you know, introduce yourself to our listeners.

AC: I’m Aaron Chapman. I’ve been in finance industry since 1997. I’ve worked with real estate investors almost exclusively since 2003. Because accounts and the investment mindset are ones that I identified with very, very well. I still work with a lot of homeowners buying their homes, whether they are first time buyer or buying their dream home after they have invested for years. We work with a lot of them. For the most part, real estate investment for building a portfolio is where we do a lot of our business. Also, on the side, my wife and I volunteer with the Sheriff’s department in their mountain rescue unit. I’m in charge of their technical rescue team. If see people getting stuck over cliffs or in very precarious places, and we’re the ones that set up the rope and rappel down and get them. Or rappelling in from the helicopter, that’s always fun. l’m also in charge of their off-road rescue unit where we have a very heavily equipped jeep that goes out there and gets people who have rolled their rig. So we get that opportunity to give back in that type of a way where I get to go hiking, climbing and wheeling with air support. Who doesn’t want to do that right?

FB: Yeah. That’s sounds right.

AC: I’m blessed to have this place here in Missouri that 2 old cabins from the 1800’s that we turned one into an office. I just come back from the city once a month and work from here.

FB: That’s fantastic. I really appreciate you being here. We could talk about a lot of different things. I know you have a rich history in business and in banking and then also in life. We’ll get into that I’m sure. And you’ve also had to overcome some major obstacles in business and in life. And so, maybe we get into a little bit of that today. But I know one thing that’s really important to you and I’d like to give you the opportunity to kind of start there. Just talking about your why and your purpose. I wanted to give you a chance to kind of go into that a little bit.

AC: The why and the purpose is a lot of different things. Which is really kind of interesting because you know when you are a father or a husband you’ve got those why’s there very easy whys to come up with. But I developed a different purpose when it comes to real estate investors seeing how we have change lives in very simple ways. The things I found for the most part people have taken basic motivations and have allowed themselves to be stifled by overthinking of what’s going on in their environment. And so my job right now is to cut through a lot of that, in fact I wear a chainsaw hat all the time. Because I’m going to cut through the crap. Yeah, literally. That’s one of the reasons I wear this the time I don’t brand. I don’t build any other brands but I found that this is what goes on my head. Because it reminds me that individual that think that complacency is one of the biggest disease that we have. And then overanalytics is also a massive problem with individuals and my job is to simply it. We’ll cut it down on the simplest form as one of the beautiful part of this environment and I’m here in this cabin -this office. This is the simplest place I can possibly be cut through a lot of this stuff and stick to this life in business. And if you whittle to most basic form a lot can be accomplish. So my goal is to motivation to real estate investor is to sit them down to initial call and cut through all the complex things that has been in their lap. All these ridiculous amount of data. And it’s really fine what literal, what small steps we can use to make them very successful. I’ve been doing like I said in 2003 working with investors. Last year I personally closed 676 transactions for investors. That a lot of experience coming multiple people decisions that I can apply to each person I’m working with. The real estate investor I look at them as really the CEO of their either startup or their expanding firm. My job is to apply it as the CFO. Give them perspective from a financial viewpoint that we’ve been put the work for them. It cut through the BS and get them successful as quickly as possible. But not with any sort risk or mitigated risk, we’ll cut it down.

FB: That sounds fantastic. Rolling that in to what we are going to talk about today. Let’s just kind of start on the big picture. Let’s kind of paint a picture of where we feel like we are with the real estate cycle right now. We’re recording this it’s early 2018 and you know let’s talk about interest rates a little and just kind of where we are. And just that you know where we feel like that we’re going there. So you know what are your thoughts on the current situation that we’re finding ourselves in here in the early 2018.

AC: So before we get there I just want to quickly say this is being done from my phone so if someone tries to call in, ignore that. So what happens, you’re not losing me I’m just having to juggle a little bit. I truly think we’ve seen a lot of people jumping to the market over the last 2 years. The real estate opportunity was single family and multi unit of 4 unit of properties has been a big charge. Finally people has got out of that analysis paralysis and started to get involved. And so we’ve seen some things happened in varied markets but I think we may be reaching some peak in some places. And I can say for certain because there still a lot of money floating out there. But there’s a good chance that we may be reaching those peak not all but many markets. If that’s the case, I wanted to say don’t be concerned because when peaks come and they come off all those peaks and you see those valleys. That’s a great and even better offer for you real estate investors right? Get in while you can cash flow and they get in when you’re seeing those bottoms and anywhere in between to the cash flowing real estate offer to you exist better than it was in all these I guess that thought processes that happened in the mid 2000s where people could buy a home and then 2 weeks later sold for 50 grand more. That’s a whole different world and we don’t target that. We focus on the cash flowing peak So I do fear that there are some markets that’s going to see that. But my message is do not stress about that. Look at the opportunity exist. Does it cashflow or does it not? If it cash flows then you’re in great shape. Think about this if you’re putting a 20% down on an acquisition which is I encourage will be the minimum downpayment. You’re putting 20% down what’s left there to bridge your down payment to the actual purchase price. If we’re talking about $100,000 how much is there? 80 grand right? Where is the $80,000 coming from?

FB: From you. From the bank.

AC: It’s coming from the finance and what I’m doing from the finance piece. People are coming at us of the consumer mindset of spending money and going into debt. That’s not the case. I know we are a society of consumers you know 72% of the U.S GDP is made up of consumption. I think 19.6% or 19.7% of the global economy is the U.S consumer so the mindset needs to be, we need to find a way through it. I’m actually bringing a business partner in the form of the bank. He’s going to put 80% of the capital for that acquisition but doesn’t take the 80% ownership of the business. The investor still retain the entire business at 20% and so who pays off that 80?

FB: The tenant.

AC: The tenant, right? So let’s just say there’s no value increase in all net property over 30 year window. You are not jumping in any increase in equity other than that the tenant paying off your partner. And let’s say 30 years now you sell the property for exactly what you paid for a $100,000 right you put 20 in, the tenant paid off 80, you sell it for a 100. How much are you going to pay on taxes on that.

FB: We are selling it?

AC: Yeah you sold it. Worst case scenario.

FB: If you bought it for a 100 and you sold it for 100. There’s no tax on it.

AC: Exactly, but did you payback the 80?

FB: Nope. Tenant did it.

AC: Nope. The tenant paid back the 80. You’ve got to write off 5.5% right now we’re in a raising rate environment let’s say there 5.5% interest. You rate it wrote it off as if you did. Somebody else paid it and you paid no tax on easy grand that’s beyond cashflow. Rent raises, appreciation, tax benefit, edging inflation. You got a zero 80 grand injection. So that what’s your worst case scenario. So what do we worried about? There’s so many other upsides to discuss. So that’s one perspective on it. And as far as in the interest rate in the increasing rate environment that’s we need to talk about other option. 20% down still maybe the best option for you. Maybe it’s 25% down. Because right now 25% down worst thing is much as a half %. Improvement in the interest rate at the time of closing with an additional 5%. And what do you risking about 5% more down you had a lower balance on the loan, you have a little bit better payment and the lower interest rate. Many of those who I’m working with there putting out proforma of 25% of 5 and a 1/4 and 5 and 3/8ths and you should be very safe with that right now and you should cash flowing well and it’s still a very very good deal to get into. And we then take the approach of each individual investor and working with them on how to structure their portfolio whether it’s 20%, 25% if you are doing multi unit it is a minimum of 25% but 30 years when somebody else is paying back a note, can’t lose.

FB: I love it. Give our listeners….We’re in the public side here so you know lot of people still are not aware of these Fannie Freddie loans that are out there. Let’s talk about that just a little bit as far as the number of those that are available for each taxpayer.

AC: Okay. The Fannie Mae Freddie Mac we know the names. They are the government endorsed entities more or less. It’s not their money they’re are basically backing up the money. This is all Wall Street investment capital. The interest rates will move based upon the amount of money available to lend. I watch mortgage backed, securities everyday. What they do is they tell us where money is coming in or out of those particular pools. Any sort of other economic data. The more available, the cheaper it gets. So the more money flows in to those pools, then the lower interest gets. Money flows out of those pools more expensive the rate gets. Right now we’re seeing money flowing out of it but it looks like it may have stabilize in the last few days. And individually go over that with each person that I talked to when it comes time to charge the whole work. So where fannie mae and freddie mac come in they write the guideline and say that we can use this money for these purposes. And the person puts up the money whether it be a pension fund or another country or whoever we would indemnify them for any loss for following our guidelines and our rules. We as our entity we have underwriters in place and processors such as myself and we have to put together the paperwork to follow those rules. People get upset with me when I start asking paperworks that they hate to give. And I’m here to tell I hate to read it guys. I don’t want to look at your paperwork anymore than you want to give it. You’ll have to scan it and send it to me. I have to print it or not well we don’t print anymore we pull up on a secure system and I review it. In that review, we are looking at all this data and we’re taking a peak on all this information. Doing all these calculation to make sure it matches with the requirements we’re given because if we don’t follow requirements we can’t use the money. And the cheapest money out there fixed for 30 years right now it’s probably mid 5s. I think we’re the only country if not maybe 1 other country on the planet. So let’s go back real quick here. Fix for 30 years in the mid 5’s is what this interest rate is. There’s very few country I think maybe only 1 other country that will allow this to get that basically been used 30 years fixed money thats backed up by the government. SO it’s kind of subsidize in a way. Take advantage of it while you can. So you can do 10 of those for 1 person. So 1 person can have 10 financed properties. So if you currently have your primary financed that counts as one. If a husband and wife have a financed primary to get their accounts for one for each of them. You can’t split it down in the middle each are responsible. And then, they could 9 a piece if they can both qualify. There’s other types of loans out there that we don’t have to qualify with income but these would have to qualify your income. And the cool thing is if you have buy the rented property you get to use the rent to offset the expense so say you buy the property for a hundred thousand. And we always talk 1% to value ratio so it’s a $1000 month in rent with that $1000 I can use 75% of that monthly rent on the rental agreement or the lease agreement as usable income as $750. Well, in this particular rate environment probably about 650-670 as far as the payment on that. So I paid the $650/month I’ve subtract it from the 750 because the rent is paying it so it’s paid. So I subtract that out and I give the new owner a $100 to their income. Well, the debt to income ratio was already good from what they’re current expenses are for them individually. And the income and I give them a note of 100 bucks because they bought this property they’re instant debt-income ratio went down. So they continue to qualify for future properties as long as they don’t go crazy and start spending more money somewhere else on other personal things. On top of that, we have to have a certain amount of reserves. Let me go over that calculation of each person. The reserves have to be it should be in any account that’s acceptable. They don’t have to pledge money, they don’t have to move money if it’s 401k or IRA we count those reserves. That is really basically how it works. You have to have the credit to back it up, the income to back it up and the property that will pay for itself, we are in pretty good shape to keep moving forward to get those other 9 properties. Now think about this the husband and wife both working both professionals. They both qualify for 9 properties that’s 18 pieces of real estate. Let’s just say that’s going to be generating 250 a month a piece that’s a pretty significant amount of money. We got 250 a month I’m going to run this calculation because for some reason I should just know this but my head is kind of mush at the moment. $4500 coming in an income with that coming in. I always tell people focus on those properties. Everybody wants to ask me what about beyond 10 or beyond 19 if they are a couple. Right now, there’s not a concern to that the rules has change so much and focus on getting that. Once you get the $4500 a month in revenue coming in what you get to do with that? there’s a ton of options. We can target cash flow to pay off the lower balance ones. Move those to a different entity. Add another one. There’s so much more we could do, let’s focus there. Too often with ourselves get scattered about hey I’ve get this future retirement what I want to do 20 years from now. Let’s not think 20 years from now that’s a good thing to put out there and know what paid is going to be so you can write your book backwards to the your investment book all the way backwards to your table of contents. But let’s focus on what we can do. We can do 9 and 9. Or if it’s one individual you will do 9 or maybe 10 because they paid off their primary. Evaluate your scenario. Get your marching orders there. And let’s just roll. Let’s work together and make sure that part happens. Then we have decisions we can make with a lot of capital.

FB: I love it. I’m a big supporter of that plan. Let me play devil’s advocate here. Some people say “Oh man, aren’t you worried getting overleveraged. That sounds like a lot of leverage for somebody to take on.” How would you answer that question to somebody that may you know if they’re Dave Ramsey followers somebody is saying “Oh man that’s too much leverage.” How would you respond to that?

AC: First off, let me say Dave Ramsey is awesome. Love Dave Ramsey’s thought process but it’s for what the other 72% of the population but in reality if you want to get into Napoleon Hill it’s 98% of population who needs that type of thinking because they are busy putting themselves in holes. You ever heard the law of holes?

FB: No.

AC:When you find yourself in one stop digging.

FB: Haha. I haven’t heard of that..

AC: And that’s Dave Ramsey right now is teaching people on how to stop digging. It’s applicable to many but not for the real estate investor. Unless they find themselves in the hole then get out first and then let’s talk about what we can do here. So yes it’s a lot of leverage I agree with that from the consumer mindset it is leverage but as a CEO from a real estate investment firm it’s a completely different thought process now. Now, the leverage is what is going to make it work for you. Let’s say you’ve got these 10 financed properties and 2 of them go unrented. Well, you are pulling in what? $2,500 a month for 10 properties let’s just say and 2 go unrented. What does that leave for you as far as cash flow? You’re still pulling in cash flow on those others that’s somewhere in the range of about $2000 a month. That 2000 should be able to pay the payments on those 2 unrented properties right? Because you have those 2 unrented properties at 650 a month lets just say. Your $1,300 in payment do you have enough money to pay it?

FB: Sure.

AC. Yes you do. The one thing that a person needs to do is make the business work for the business and not have to go to their pocket. The only way to atleast limit the risk if you having to go to your pocket is to leverage more. I know it sounds backwards to leverage more. An individual who’s thinking the Dave Ramsey thought process they may not want to get into to this. They may want to just put aside their 10% every year for the rest of your life and be very cautious where it goes. Because you put it in to the wrong places it’s going to vaporize on it’s own. I mean I don’t want to villanize the market but in reality there’s a lot of things out there as far as stocks and equities and other things that in my opinion is legal thievery. There’s ways to lose it and take it. So there’s a lot risks in my opinion and expanding leverage is less risky

FB: I agree with you. And I’d just like to make a couple of points. The example that we use there. 250 a month cash flow you know that’s very very reasonable and a lot of our properties and a lot of our markets that we work in we are getting much higher than that And then one other thing is appreciation that’s available on those houses when you hold those for a while. A lot of times your lending on you know 75% loan to value on the home so you have equity in the house already. A lot of markets especially right now we are seeing a pretty nice appreciation so as that goes up and that gets paid down the loan gets safer and safer as it goes. Right?

AC: Yeah, exactly. In fact if you’re showing the power behind 250 bucks. Do you mind if we do a little math exercise? Now I’m going to ask you questions and you’re going to have to do the math. Now, it’s simple math I’m not going to do heavy equations here. But it shows how extremely powerful $250 a month is before. I mean this is factor in a maintenance or vacancy we set that aside even if you have a factor later it’s still ridiculously powerful. You good with this?

FB: I don’t like doing math on recorded audio.

AC: Well get your calculator handy and it’s going to be very simple.

FB: If I don’t like it we’ll cut it out.

AC: We can do that. And by the way and so they know, that I don’t have a beer in my hand. I just want to make sure everybody knows that. We are going to talk a $100,000 acquisition with 20% down. We’ll treat it like a 30 year annuity alright. And that’s what we’re doing here. If the $100,000 woth acquisition paid 20% how much is that?

FB: How much is down? It’s 20 down.

AC: It’s 20%. Yeah how much is 20%

FB: $20,000

AC: He’s budget says between 5000-5500 for your. Let’s just call the it an even 6 if you are one of this really high tax places. 6 grand to cover down payment your closing cost for lender title, taxes, insurance, appraisal, inspections all of that. If you got $20,000 and then 6 grand for your settlement. How much is that total?
FB: $26,000

AC: $26,000 is what coming out of that person pocket and then we’ve just concluded 250 a month in cash flow. I’m going to say before maintenance and vacancy. Well in fact, let’s see you’re getting only 250 a month. A person is going to calculate their cash on cash return off that 250 against the $26,000 right?

FB: Okay.

AC: I say that particular method is somewhat flawed. Because when you’re thinking on a cash on cash return model when you’re taking your cash flow and calculating against the outlay you put. That’s in an effort to recover the full $26,000. In reality you didn’t lose that 20. The 20 is still yours. Moved it from a liquid account to a non-liquid asset. You didn’t lose the 20 you put it on a shelf. Now the 6000 was spent because it went to goods and services that you’re never going to see again. Because it vaporized into labor in a way. So let’s talk about the 20 grand right now. That $20,000 we concluded earlier that $80,000 is being paid off by somebody else right? Your 20 became a 100 because you decide to incubate it let it sit there. You gained, you take that $80,000 divided by 30 years. And calculate 10 and the 20 that’s 13.33% over the original 20,000 coming back every year. Right? We grew that and out that in a shelf so that’s like an annuity 20 becomes a 100 we know that. Now, back to the 6 grand. If we took the $6000. How long would it take to get your $6000 back at 250 a month?

FB: 24 months

AC:24 months you paid yourself back. Your 20 is still yours you put your 6000 back into your pocket in 24 months. So, if 30 years is 360 months and your use 24 of them to pay yourself back. How many do you have left in the 360?

FB: 336.

AC: 336 months. So for 336 months if you made 250 a month. How much do you have at the end of 336 months?

FB: $84,000

AC: $84,000 and you have your other 80. So add those together and what do you have?

FB: 164.

AC: You’ve made a $164,000 after you paid yourself back. You still have 20 sitting there. When without rent raise, appreciation, tax benefits or hedge against inflation. $164,000 now some people wait a minute you didn’t factor the maintenance and vacancy. So let’s take that and let’s put that to work. I’m going to go since I’m the CFO I can beat the numbers all I want that’s my job. I’m saying 40% of the acquisition price should be sufficient if you the CEO pick the right property that was well put together. 40% should be sufficient to maintain that property for the 30 years of ownership. So 40% is how much? 40% of the acquisition price of $100,000 how much?

FB: $40,000.

AC: $40,000. Is that seem probable to maintain a property that has a good roots, good mechanicals, good bones, good structures. You picked it yourself so if you did that 40 grand to maintain this. SO you’ve covered all contingencies right for 40,000. Back to 40,000 off of the 154,000 what do you have left?

FB: 124

AC: $124,000 of increase, 6 grand on your pocket, $40,000 to cover all contingencies in 30 years, you still have 20 grand sitting there. What was your return on investment?

FB: You can’t calculate that.

AC: I mean you’re a damn smart guy. You are one of the smarter guy that I know. I’ve got to find quantum physicist to really figure out what the return is here because it incalculable. And that’s where when you look at the cash on cash return model in cap rates. It’s a good tool but in reality you really need to break down the simple numbers. This is ridiculous. You know that’s where a person says him by getting over leverage let’s put this to work, are you?

FB: No, I love it. I love it. That’s a great way for us to kind of look at that. And then you know really understanding that leverage. Going through that for one property. And then you know imagine how that leverage could apply to multiple properties to even 10 properties or 20 properties. It’s super powerful. So, that’s great. Let’s move on Aaron. I know you don’t lend into IRAs. I know you don’t do non-recourse financing. Let’s just for a second. Let’s just go there. Can you apply this philosophy that we just talked about to self-directed IRA accounts? Kind of a loaded question.

AC: Well, I don’t see why you couldn’t. If you got a self-directed IRA that has enough capital in it. And I know that the down payment requirements is alot steeper. I’m guessing 45-50% I haven’t looked at the most recent one’s. So if you’re talking about those steeper downpayments why couldn’t you apply the same philosophy but that it’s separate entity right? So you’ve got your own personal business that we work on together right? And just to go backwards to the equation we just did not to sell a person on real estate. That’s just for them to decide whether or not the person they may choose myself as their CFO if you will. Does my mind start work to help them or is it going to hinder them? That’s where it boils down to. So you’ve got that business over they’re working for you 10 properties or 19 whatever it is your situation. And then you have your IRA doing that on it own as well. But what we’ll do is use my IRA it’s my perspective. If it was a perfect situation and I’ve got a person that has personal capital to buy 10 properties. We’d leave the IRA in cash as your reserves to pull from to show that you can get the loan done and you have the reserves to fall back on. Then once we’ve built your 10 then take the IRA start deploying that to start getting its own real estate. And start getting that built. So then we can use that same philosophy there, now we’ve got 2 different leg going right? You have 2 different side of your business. One has your personal side, one has your IRA side and then we can expand onto the other side. So it’s a matter of looking it from a 30,000 foot view and then structuring those properly to be sure that they build in a way that benefits your acquisition and expansion without risking either side. That makes sense?

FB: Yeah.

AC: So we have to kind of personalize the conversation. And I do have some good contacts from the IRA stuff.

FB: Yeah that’s fantastic. I know we’ve got some listeners and members that were interested in that. And I think definitely I mean obviously we’re spending a lot of time talking about single family houses and that’s not all we like to talk about but it’s relates to this it’s super important. So let’s move a little bit about you we’re kind of coming to the end of this public part of the podcast here. Just you know what is freedom mean to you Aaron? If I say what does freedom mean to you?

AC: That’s a big question because it means alot of things to a person. That changes from day to day. And what freedom is? Really, freedom to me is being able to do what I want, how I want without negatively impacting another. Period. You can’t, just look at me for Christ’s sake. When you say you got to bring on a banker, a real estate investment banker, this isn’t what a person pictures. And this is my outward appearance of freedom. For me to be able to look the way I look, act the way I act and do it the way I do it. And be extremely successful. I’ve been very very blessed with success and a lot of it has to do with this and it’s showing people outwardly that you can express whatever you want and be good at whatever you do. Being you. You don’t have to put a fill in any mold. To me that’s freedom and that’s success. To be able to not be in any mold and be able to accomplish what you want to accomplish with your life.

FB: Yeah. I love it. Love it. Love your outlook on everything man. What about you, have you got a favorite book or a favorite quote? Share something with us.

AC: I got both for you. The favorite book is kind of hard to do, because I have become a student of Napoleon Hill. And the quote that would work and it’s from Darren Hardy, he is the editor of Success magazine. And i’m not exactly precise with this quote but he basically said that you need to find a mentor somebody you could follow and it doesn’t have to be a live mentor. So my mentor is Napoleon Hill, and Napoleon Hill if you looked back at the books he he’s written. First thing “Think and Grow Rich” but there’s a couple of the books that I read that absolutely be part of that. Cant be just one book so I encourage everybody to read “Think and Grow rich” then read “Outwitting the Devil” which is published in 2011. He wrote it back in the 1930’s. Got put in a vault , get that book and follow that one as well. And then, “Wisdom of Success” which is the transcription of his interview with Andrew Carnegie. So those 3 together compliment each other so well. And then I always encourage you may go to www.hillsprayer.com as in Napoleon Hill and that’s Hill’s prayer. What it is is his 17 principles in video form of him at his desk. I believe it’s probably in the 50’s or 60’s I guess I don’t it’s black and white, like having youtube videos with the man himself and follow those principles. And i think that same thing when we met last. Start off with one principle listen to it every single day for a week And when you get into Sunday do the exercise and go with principle 2 it change my life. Unfortunately, I can’t just give you 1 book I already give you a few things but it was life changing for me. And I encourage people to start that, follow that and you’d be amaze on what happens to you as a result.

FB: That’s some really good pearls there. Man, I really appreciate you bringing this. Don’t go anywhere. We’re going to kind of wrap this up. So if our listeners wants to get in touch with you. We’ll put it on the show notes but what’s the best way for them to get in touch with you phone, email, website? Where do you want them to go?

AC; Phone is definitely the best. So the website is AaronBChapman.com that should take you to my professional site and of course my phones. I usually go with the tax phone 602-291-3357 again 602-291-3357. It’s all over the internet. You just text me and we’ll put schedule something.

FB: Then that’s awesome.

AC:I do have to threw in real quick. I do have to threw in there my MLS ID. I kind of forgot what they was I apologize.

FB: Do we need a disclaimer.

AC: The website’s got it. There’s so many numbers in my mind anymore. That particular thing I have to make sure 267844 that’s my MLS ID. I personally be able to find my licenses. Sorry about that one. Bank account numbers in my head. All kinds of things in my head. And I knew that it was something like that but I’ll look it up.

FB: Yeah man, fantastic. Great job. Don’t go anywhere. To our listeners thank you so much for listening. If you’d like to know more about what we’re doing. Aaron just gave his information there. If you’d liketoknow more about High Speed Alliance. You can check us out on our website at highspeedalliance.com. Check on their for our upcoming events or just send me an email at DrB@highspeedalliance.com.

Hi this is Dr. Forrest Bryant and I want to thank you for listening to the High Speed Podcast. We want to remind you that the information we want to share in this show is impersonal and only our opinion. You should not take any impersonal advise and apply it to your own situation without discussing this information with us or with another license professional that’s familiar with your situation. Our opinions are just that and this show is for education only this is in no way a solicitation or offer to sell any securities or other types of investments. Thank you and have a great day!

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